Gavop's guide to buying homeowners insurance in Merced County, CA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Merced County, CA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Bodega Ct, Landram Ave, Park Ln, Pine Ave, Mills Ct, Princeton Ct, Orchard Park Ave, J St, N Krotik Ct, N Coffee St | $223,000 | $200,000 | $250,000-$300,000 | $168,500 | $150,000 | $150,000-$175,000 |
| B&b St, Black Hills Ave, Magnolia St, Oakwood Ct, Compass Pointe Ave, A Lobue Rd, Sandhill Crane Dr, Rushmore Dr, S 12th St, Mervel Rd | $102,000 | $90,000 | $75,000-$100,000 | $108,000 | $90,000 | $75,000-$100,000 |
| Anderson Way, Summerset Ave, N Leonard Ave, Coppertree Ct, Overland Rd, Bardolino Dr, Washington Ave, Foxtail Ct N, Buena Vista Ct, Dry Creek Rd | $142,000 | $130,000 | $100,000-$125,000 | $149,500 | $130,000 | $125,000-$150,000 |
| Westside Blvd, Persimmon Way, Lincoln Ave, Whitegate Dr, Preston Rd, Jacobs Dr, Madera Ct, Kansas St, Nantes Ave, Hazel Ave | $261,500 | $230,000 | $200,000-$250,000 | $130,000 | $110,000 | $125,000-$150,000 |
| San Jose Ave, N Quinley Ave, Letteau Ave, Spruce Rd, Marthella Ave, Elgin Ave, Parish Rd, W Grant Rd, Autumn Dr, Shipwright Ave | $199,000 | $170,000 | $175,000-$200,000 | $162,000 | $150,000 | $150,000-$175,000 |
| la Purisma St, S Mountainside Dr, San Simeon Ct, Orion Ct, Laughlin Ln, Irvine Ct, Olive Ave N, Golden State Hwy, W Childs Ave, W 8th St | $140,000 | $130,000 | $125,000-$150,000 | $88,500 | $80,000 | $100,000-$125,000 |
| Keaton Rd, Leslie Dr, Joerg Ave, Via Milano, Delta Slough Rd, Customer Care Way, F St, Driftwood Dr, Rose Garden Rd, Nickel Ave | $116,000 | $90,000 | $100,000-$125,000 | $71,000 | $60,000 | $50,000-$75,000 |
| Robin Ave, Alps Dr, Beachwood Dr, Folsom Ave, Lorrie Ct, Granite Dr, W Henry Miller Ave, Bigler St, Le Grand Rd, Lasalle Dr | $194,000 | $180,000 | $200,000-$250,000 | $133,500 | $110,000 | $100,000-$125,000 |
| McKee Rd, Drakeley Ave, Ojai Ct, Falcon Dr, W 9th St, Ashmount Ln, Berryesa Ave, Ashby Rd, Mariner Way, White Crane Rd | $180,500 | $170,000 | $150,000-$175,000 | $160,500 | $130,000 | $150,000-$175,000 |
| Peach Tree Ave, San Roberto St, Criswell Ave, Elmwood Dr, W Stone Rd, Mallard Dr, Tahoe St, E Toews Ave, Bellevue Rd, Yew Ct | $197,500 | $160,000 | $175,000-$200,000 | $150,000 | $120,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$100 | $526 |
| Superior Protection Discount | -$63 | $564 |
| Fire & Security Discount | -$56 | $570 |
| Hail Resistant Roof Discount | -$13 | $614 |
| Newly Constructed Home Discount | -$144 | $482 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Merced County | $1,000 | $619 | $1,619 | $450 | $1,450 | $169 |
| Merced County, CA | $1,500 | $619 | $2,119 | $450 | $1,950 | $169 |
| Dos Palos Y, CA | $200 | $592 | $792 | $430 | $630 | $162 |
| South Dos Palos, CA | $700 | $541 | $1,241 | $393 | $1,093 | $148 |
| Denair, CA | $200 | $755 | $955 | $549 | $749 | $206 |
| Le Grand, CA | $1,500 | $560 | $2,060 | $407 | $1,907 | $153 |
| Waterford, CA | $100 | $627 | $727 | $455 | $555 | $171 |
| Madera Acres, CA | $2,000 | $601 | $2,601 | $437 | $2,437 | $164 |
| Catheys Valley, CA | $500 | $863 | $1,363 | $627 | $1,127 | $236 |
| Valley Home, CA | $1,000 | $1,381 | $2,381 | $1,004 | $2,004 | $377 |
| San Benito-Bitterwater, CA | $500 | $1,770 | $2,270 | $1,286 | $1,786 | $484 |
| Home Insurance Company Merced County, CA | Homeowners Insurance Agency Merced County, CA | Address | Popularity Score | Distance from Merced County (miles) |
|---|---|---|---|---|
| Farmers | Dean Uecker | 1444 W Main St Ste A, Ripon, CA, 95366 | 44.0 | |
| State Farm | Carlos Vasquez | 121 W Main St Ste D, Turlock, CA, 95380-4845 | 21.7 | |
| Travelers | Bellevue Insurance Agency | 574 E Bellevue Rd, Atwater, CA, 95301 | 13.6 | |
| Farmers | Brenda Horder | 341 Tres Pinos Rd Ste 205b, Hollister, CA, 95023 | 44.6 | |
| State Farm | Jon Whited | 1600 Sunrise Ave., Modesto, CA, 95350 | 35.6 | |
| State Farm | Andrea Brandt | 934 7th St, Los Banos, CA, 93635-4302 | 11.6 | |
| Farmers | Jeremy Johnson | 460 N Yosemite Ave Ste 5, Oakdale, CA, 95361 | 40.4 | |
| Farmers | Tannia Solis | 205 W Hatch Rd Ste 3, Modesto, CA, 95351 | 32.3 | |
| Allstate | Jinhai Fu | 840 W Olive Ave Ste E, Merced, CA, 95348 | 15.8 | |
| Allstate | Ainslie Loverde Insurance Services Inc. | 401 Mccray St Ste B, Hollister, CA, 95023 | 44.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| California | $443,400 | $1,291 | $960 | $1,760 | $800 |
| Merced County, CA | $196,200 | $627 | $460 | $850 | $390 |
| Merced County, CA | $196,200 | $627 | $460 | $850 | $390 |
| Dos Palos Y, CA | $160,400 | $599 | $440 | $810 | $370 |
| South Dos Palos, CA | $125,500 | $548 | $410 | $750 | $340 |
| Denair, CA | $278,200 | $764 | $570 | $1,040 | $470 |
| Le Grand, CA | $138,100 | $567 | $420 | $770 | $350 |
| Waterford, CA | $223,800 | $634 | $470 | $860 | $390 |
| Madera Acres, CA | $202,000 | $608 | $450 | $830 | $380 |
| Catheys Valley, CA | $330,800 | $873 | $650 | $1,190 | $540 |
| Valley Home, CA | $462,500 | $1,398 | $1,030 | $1,900 | $870 |
| San Benito-Bitterwater, CA | $622,000 | $1,791 | $1,330 | $2,440 | $1,110 |