Merced, CA Home Insurance - Analysis On Quotes, Rates & Agents
Merced Insurance Rates:
Merced, CA homeowners insurance is nearly $504 to $682, about $42-$56/month. Our all inclusive guide indicates shoppers can save upto $237 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
State FarmI don't like how you don't get discounts based on the age of your home, even if it has been newly built.
NationwideNationwide is always a company that is on your side. they are great with their customers and always put them first.
AllstateThey have a broad portfolio. it is convenient that the same insurance company for all of my needs.
ProgressiveThe cost of the policy is comparable to my other choices in the area and I have never had a problem or issue with them before. I am generally satisfied with my choice and plan to stay with them for now.
State FarmThe company's website is pretty easy to use and I can find my information without searching too hard. I feel like if I need to use the website that I can find what I'm looking for.
State FarmIt was incredibly easy. Our roof had been damaged significantly by a hail storm and State Farm promptly had a representative out after contacting them. The process was quick and concise with an excellent outcome.
State FarmWe have only spoken with them on one occasion, but the lady we spoke to about our premium was extremely nice and helpful. Great customer service.
GeicoI like that they are local, customer service is good and staff in. I like bundled discounts
Merced, CA Homeowners Insurance By Home Value
| Merced, CA Home Value | Total Homes | % of Total | Average Merced, CA Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 1,099 | 8.0% | $88 |
| $50,000 to $59,999 | 392 | 2.0% | $189 |
| $60,000 to $69,999 | 385 | 2.0% | $237 |
| $70,000 to $79,999 | 571 | 4.0% | $272 |
| $80,000 to $89,999 | 724 | 5.0% | $314 |
| $90,000 to $99,999 | 578 | 4.0% | $349 |
| $100,000 to $124,999 | 1,446 | 10.0% | $403 |
| $125,000 to $149,999 | 1,360 | 10.0% | $504 |
| $150,000 to $174,999 | 1,530 | 11.0% | $598 |
| $175,000 to $199,999 | 988 | 7.0% | $693 |
| $200,000 to $249,999 | 1,812 | 13.0% | $830 |
| $250,000 to $299,999 | 1,115 | 8.0% | $1019 |
| $300,000 to $399,999 | 1,266 | 9.0% | $1292 |
Top Home Insurance Agents Near Merced, CA
| Home Insurance Company Near Merced, CA | Homeowners Insurance Agency Near Merced, CA | Address |
|---|---|---|
| State Farm | Bud Mcmillin | 1717 Oakdale Rd Ste O, Modesto, CA, 95355-3028 |
| Farmers | David Gould Lutcf | 1048 6th St, Los Banos, CA, 93635 |
| State Farm | Jon Whited | 1600 Sunrise Ave., Modesto, CA, 95350 |
| State Farm | Marilyn Rigg | 40315 Junction Drive, Oakhurst, CA, 93644-9159 |
| Allstate | Rick Eason | 3321 G St Ste A, Merced, CA, 95340 |
Cost Of Homeowners Insurance By Street Near Merced, CA
| Streets in Merced Area | Homeowners Insurance Cost |
|---|---|
| W 7th St, Los Banos Hwy, Glen Ave, Mustang Ct, Phelps Dr, San Augustine Ave, la Cresenta Ave, Cassis Dr, W 8th St, Wainwright Ave | $576 |
| Evening Star Dr, Bale Mill Ct, Ensenada Ct, E Cardella Rd, Mirror Lake Dr, Thurman Dr, N San Pablo Ave, la Mirada Dr, Wildcat Dr, Tide Dr | $597 |
| Wardrobe Ave, Amy St, San Pedro Way, Sunflower Ct, Valley Forge Ave, Willowbrook Dr, Patty Dr, Vistana Dr, Loder Ln, Rensselaer Ct | $585 |
| Colony Ln, Halley Ave, Landram Ave, Brimmer Rd, Delta Dr, Colgate Ct, de la Guerra Ct, Henry Rd, Country Dr, Ellen Ave | $581 |
| Twilight Ave, N Gurr Rd, Dry Creek Ct, Sugar Pine Ct, Bel Air Dr E, W el Portal Dr, Lacava Rd, Topeka Dr, Chandon Dr, Harbor Dr | $598 |
| Spalding Ct, Barrows Ct, Wood St, S R St, Petinotti Rd N, W 26th St, W Childs Ave, W Ave 1, Massasso St S, W 12th St | $596 |
| Sepulveda Ave, Tudal Ave, Saint Andrews Dr, Cascade Creek Ave N, Oakland Ave, San Bruno Ct, Yew Ct, Mistwood Dr, Almond Ave, Miles Rd | $601 |
| Gary Ave, Pinon Ct, Cherokee Ave, S Vineyard Way, Capitola Ct, W 5th St, Thrift Rd, Solstice Ave, Sibley Pl, Lance St | $618 |
| W 3rd St, Peppertree Dr, Camelot Ct, Breezeway Ln, Echo Ave, Ranchero Ln, E 25th St, Sattui Ct, Clover Ave, Big Sandy Ave | $594 |
| Evelyn Ave, Buena Vista Ct, S P St, Cassis Dr, U St, Cone Ave, N Parsons Ave, Alan Ln, Lincoln Ave, Fauna Ct | $585 |
Merced, CA Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Merced | $88 to $91 |
| McSwain | $93 |
| Franklin | $88 |
| Bear Creek | $86 |
Merced, CA Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| McSwain CDP, California | $94 | $125 | $188 |
| El Nido CDP, California | $94 | $125 | $188 |
| Franklin CDP (Merced County), California | $88 | $117 | $176 |
Merced, CA Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Merced, CA | 3.2% | 12.4% |
| McSwain | 2.05% | 9.88% |
| El Nido | 1.53% | 52.69% |
| Franklin | 3.27% | 11.46% |
Merced Renters Insurance as a Percentage of Rent
| Merced Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 380 | 2.0% | $803 |
| $300 to $499 | 1,238 | 8.0% | $1253 |
| $500 to $749 | 4,543 | 30.0% | $1928 |
| $750 to $999 | 4,159 | 28.0% | $2678 |
| $1,000 to $1,499 | 3,364 | 22.0% | $3803 |
| $1,500 or more | 1,053 | 7.0% | $5453 |
Average Cost Of Home Insurance By Company In Areas Nearby Merced For Different Scenarios
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 250 | New | Horace Mann | 226 |
| 150000 | 500 | New | Horace Mann | 226 |
| 200000 | 500 | New | Nationwide | 438 |
| 200000 | 500 | New | Universal North America | 327 |
| 250000 | 500 | New | Horace Mann | 396 |
| 400000 | 1000 | New | Century National | 868 |
| 400000 | 1000 | New | MAPFRE Group | 701 |
| 500000 | 1000 | New | Hartford (Sentinel) | 865 |
| 750000 | 2500 | New | CSE Safeguard | 1099 |
| 150000 | 250 | 1-3 Years | QBE (Balboa) | 563 |
| 400000 | 1000 | 1-3 Years | Horace Mann P & C | 881 |
| 400000 | 1000 | 1-3 Years | MAPFRE Group | 831 |
| 500000 | 1000 | 1-3 Years | Oregon Mutual | 770 |
| 150000 | 250 | 4-6 Years | Oregon Mutual | 414 |
| 150000 | 500 | 4-6 Years | Horace Mann P & C | 343 |
| 150000 | 500 | 4-6 Years | Stillwater Ins Co | 488 |
| 200000 | 500 | 4-6 Years | AIG Prop Cas | 834 |
| 200000 | 500 | 4-6 Years | American Modern | 660 |
| 200000 | 500 | 4-6 Years | Nationwide | 640 |
| 250000 | 1000 | 4-6 Years | CSAA Ins Exch | 705 |
| 250000 | 1000 | 4-6 Years | Homesite | 731 |
| 500000 | 1000 | 4-6 Years | Oregon Mutual | 891 |
Merced, CA Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $1,700 |
| Yearly Merced Homeowner Insurance Premium Example | $700 | $500 |
| Out of Pocket Expense During Claim | $700 | $1,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $6,300 | $5,700 |
| Net Savings to Merced Home Owner from High Deductible Plan | $600 | |
Merced, CA Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Merced, CA Home Replacement Value MORE than Home Value | Merced, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $142,000 | $91,000 |
| Insurance Premium based on Replacement Value | $450 | $275 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $37,000 | Risk Exposure from Under Insuring Coverage is $14,000 |
| Premium Impact | Insurance cheaper by $50/year | Insurance costlier by $125/year |
Example Merced Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Travelers | Amica Mutual Insurance Company | Allstate |
| Monthly Premium | 16 | 60 | 38 |
| Year Built | 2005 | 1982 | 1963 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $100000-$125000 | $200000-$250000 | $150000-$175000 |
| Deductible | $2500-$5000 Deductible | $500 Deductible | $500- $1000 Deductible |
Sample Home Insurance Rates for Merced, CA from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2012 | 245,000 | Shingles Roof | 2,650 | 5 | $5000 to $10,000 Deductible | 130 | 3 | Wood siding | yes |
| 2009 | 135,000 | Asphalt Shingles Roof | 1,150 | 2 | $500- $1000 Deductible | 370 | 12 | Fiber-Cement Siding | yes |
| 1982 | 225,000 | Wood Shake Roof | 2,100 | 5 | $5000 to $10,000 Deductible | 220 | 8 | Stone Siding | yes |
| 1985 | 130,000 | Shingles Roof | 1,560 | 2 | $1000-$2500 Deductible | 180 | 7 | Stone Siding | No |
| 1974 | 170,000 | Wood Shake Roof | 1,930 | 4 | $2500-$5000 Deductible | 110 | 3 | Fiber-Cement Siding | No |
| 1983 | 300,000 | Wood Shake Roof | 2,800 | 4 | $500 Deductible | 290 | 3 | Vinyl siding | yes |
| 2000 | 190,000 | Membrane Roof | 2,400 | 3 | $500- $1000 Deductible | 160 | 4 | Stucco siding | No |
| 2014 | 195,000 | Metal Roof | 1,920 | 4 | $500- $1000 Deductible | 480 | 12 | Stucco siding | yes |
| 1982 | 180,000 | Tile Roof | 1,640 | 3 | $5000 to $10,000 Deductible | 130 | 4 | Vinyl siding | No |
| 1985 | 175,000 | Shingles Roof | 1,800 | 3 | $2500-$5000 Deductible | 250 | 9 | Stucco siding | yes |
| 1988 | 135,000 | Asphalt Shingles Roof | 1,380 | 3 | $1000-$2500 Deductible | 90 | 3 | Brick siding | No |
| 1994 | 155,000 | Shingles Roof | 1,440 | 3 | $500 Deductible | 320 | 8 | Vinyl siding | No |
| 1967 | 125,000 | Wood Shake Roof | 1,470 | 2 | $500 Deductible | 150 | 5 | Stone Siding | yes |
| 1972 | 120,000 | Slate Shingles Roof | 1,170 | 2 | $500 Deductible | 340 | 12 | Brick siding | yes |
| 1971 | 300,000 | Shingles Roof | 3,020 | 5 | $500 Deductible | 500 | 9 | Fiber-Cement Siding | No |
| 1974 | 200,000 | Wood Shake Roof | 2,040 | 3 | $5000 to $10,000 Deductible | 220 | 8 | Brick siding | yes |
| 1980 | 80,000 | Metal Roof | 1,000 | 2 | $2500-$5000 Deductible | 140 | 12 | Stone Siding | No |
| 2006 | 290,000 | Metal Roof | 3,600 | 5 | $5000 to $10,000 Deductible | 470 | 12 | Wood siding | No |
| 2011 | 275,000 | Membrane Roof | 2,720 | 4 | $1000-$2500 Deductible | 310 | 6 | Brick siding | yes |
| 2011 | 130,000 | Composition Roof | 1,170 | 2 | $1000-$2500 Deductible | 60 | 3 | Brick siding | yes |
| 1966 | 90,000 | Wood Shake Roof | 1,090 | 2 | $2500-$5000 Deductible | 100 | 8 | Fiber-Cement Siding | yes |
| 1993 | 140,000 | Asphalt Shingles Roof | 1,650 | 4 | $500 Deductible | 180 | 5 | Stucco siding | No |
| 1968 | 110,000 | Composition Roof | 1,310 | 3 | $2500-$5000 Deductible | 200 | 9 | Stucco siding | No |
| 1981 | 240,000 | Slate Shingles Roof | 2,910 | 4 | $500- $1000 Deductible | 390 | 6 | Fiber-Cement Siding | yes |
| 2010 | 85,000 | Membrane Roof | 1,070 | 2 | $500 Deductible | 150 | 7 | Vinyl siding | No |
| 1973 | 280,000 | Wood Shake Roof | 2,510 | 5 | $500 Deductible | 540 | 8 | Stucco siding | No |
| 1966 | 230,000 | Shingles Roof | 2,410 | 5 | $500- $1000 Deductible | 360 | 7 | Wood siding | yes |
| 1969 | 210,000 | Wood Shake Roof | 1,848 | 3 | $2500-$5000 Deductible | 460 | 8 | Stone Siding | No |