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.

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Latest Home Insurance Reviews

State Farm
I don't like how you don't get discounts based on the age of your home, even if it has been newly built.
Nationwide
Nationwide is always a company that is on your side. they are great with their customers and always put them first.
Allstate
They have a broad portfolio. it is convenient that the same insurance company for all of my needs.
Progressive
The 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 Farm
The 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 Farm
It 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 Farm
We 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.

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

PlaceSavings 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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Merced, CA3.2%12.4%
McSwain2.05%9.88%
El Nido1.53%52.69%
Franklin3.27%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 ($)
150000250NewHorace Mann226
150000500NewHorace Mann226
200000500NewNationwide438
200000500NewUniversal North America327
250000500NewHorace Mann396
4000001000NewCentury National868
4000001000NewMAPFRE Group701
5000001000NewHartford (Sentinel)865
7500002500NewCSE Safeguard1099
1500002501-3 YearsQBE (Balboa)563
40000010001-3 YearsHorace Mann P & C881
40000010001-3 YearsMAPFRE Group831
50000010001-3 YearsOregon Mutual770
1500002504-6 YearsOregon Mutual414
1500005004-6 YearsHorace Mann P & C343
1500005004-6 YearsStillwater Ins Co488
2000005004-6 YearsAIG Prop Cas834
2000005004-6 YearsAmerican Modern660
2000005004-6 YearsNationwide640
25000010004-6 YearsCSAA Ins Exch705
25000010004-6 YearsHomesite731
50000010004-6 YearsOregon Mutual891

Merced, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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 TravelersAmica Mutual Insurance CompanyAllstate
Monthly Premium 166038
Year Built 200519821963
Home Details 2 Beds, 1 Baths4 Beds, 3 Baths5 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
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