How Can I Make My Merced, CA Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Merced, CA by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Select the Suitable Coverage Value for your Merced, CA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $60,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $128,500 | $120,000 | $100,000-$125,000 |
| 3 Bedroom | $148,000 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $201,500 | $170,000 | $175,000-$200,000 |
| 5 Bedroom | $170,000 | $150,000 | $150,000-$175,000 |
Estimate your Savings with Home Insurance Discounts in Merced, CA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$93 | $529 |
| Superior Protection Discount | -$56 | $566 |
| Fire & Security Discount | -$62 | $560 |
| Hail Resistant Roof Discount | -$19 | $603 |
| Newly Constructed Home Discount | -$149 | $473 |
Choose the Right Deductible for your Merced, CA Home | Back to Top
| 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, CA | $2,000 | $614 | $2,614 | $446 | $2,446 | $168 |
| Franklin, CA | $400 | $1,052 | $1,452 | $764 | $1,164 | $287 |
| Livingston-Delhi, CA | $1,500 | $578 | $2,078 | $420 | $1,920 | $158 |
| Snelling, CA | $300 | $757 | $1,057 | $550 | $850 | $207 |
| Catheys Valley, CA | $2,000 | $863 | $2,863 | $627 | $2,627 | $236 |
| Stanislaus County, CA | $2,500 | $680 | $3,180 | $494 | $2,994 | $186 |
| Bret Harte, CA | $300 | $1,052 | $1,352 | $764 | $1,064 | $287 |
| Salida, CA | $1,500 | $697 | $2,197 | $507 | $2,007 | $191 |
| Chinese Camp, CA | $500 | $865 | $1,365 | $628 | $1,128 | $236 |
Identify Top Home Insurance Agents near Merced, CA | Back to Top
| Home Insurance Company Merced, CA | Homeowners Insurance Agency Merced, CA | Address | Popularity Score | Distance from Merced (miles) |
|---|---|---|---|---|
| Travelers | Thomco Associates Insurance Services | 4333 North West Avenue, Fresno, CA, 93705 | 49.8 | |
| State Farm | Andrea Brandt | 934 7th St, Los Banos, CA, 93635-4302 | 19.8 | |
| Farmers | Miguel Soto | 1820 P St, Merced, CA, 95340 | 6.6 | |
| Allstate | Clayton Azevedo | 19 S Del Puerto Ave, Patterson, CA, 95363 | 36.1 | |
| State Farm | Justi Smith | 830 W 19th St, Merced, CA, 95340-4609 | 6.7 | |
| State Farm | Michael Affholter | 5246 Pirrone Ct Ste D, Salida, CA, 95368-9092 | 45.0 | |
| Travelers | Ggb Insurance Services | 2225 W Shaw Ave Ste 112, Fresno, CA, 93654 | 49.1 | |
| Farmers | Erendira Tolentino | 1900 Standiford Ave, Modesto, CA, 95350 | 41.4 | |
| State Farm | Richard Navarro | 2937 Veneman Ave Ste A101, Modesto, CA, 95356-0639 | 42.2 | |
| Allstate | Jinhai Fu | 840 W Olive Ave Ste E, Merced, CA, 95348 | 7.6 |
Compare Rates for Merced, CA Home Insurance Providers | Back to Top
| 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, CA | $192,000 | $622 | $460 | $850 | $390 |
| Franklin, CA | $157,300 | $1,065 | $790 | $1,450 | $660 |
| Livingston-Delhi, CA | $183,100 | $585 | $430 | $800 | $370 |
| Snelling, CA | $279,700 | $766 | $570 | $1,040 | $470 |
| Catheys Valley, CA | $330,800 | $873 | $650 | $1,190 | $540 |
| Stanislaus County, CA | $244,100 | $689 | $510 | $940 | $430 |
| Bret Harte, CA | $111,200 | $1,065 | $790 | $1,450 | $660 |
| Salida, CA | $275,200 | $706 | $520 | $960 | $440 |
| Chinese Camp, CA | $331,600 | $875 | $650 | $1,190 | $540 |
Research Home Insurance Companies Reviews in Merced, CA Before Buying | Back to Top
Share a review on your home insurance company
Progressive Home Insurance Reviews
Date: January 02, 2020 Age: 50 to 59 Gender: Male Marital Status: Married
Premium
i am happy with my premiums and deductible and it is hard to compare since I do not have experience with other companies
Date: January 07, 2019 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
The prices are very fair and came to us a lot cheaper than some of the other companies we talked to. I feel I get the same coverage I would have gotten somewhere else for a much better rate, which I like.
Date: October 04, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
Again, we really have not had a lot of interaction with them. We tend to take care of repairs around the house ourselves as nothing has met the mimimum for insurance.
Date: September 12, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
Coverages are offered for house, garage, shed, other structures on property, lawsuits.
INsurance can help pay for repairs or complete rebuilds; such as materials for counters, porch or deck, pool. We are covered against acts of nature such as fire, hail, falling trees, and ice.
Date: September 09, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
The premium is low comapred to other comanies investigated before choosing Progressive
Date: November 19, 2017 Age: 30 to 39 Gender: Female Marital Status: Married
Website/App
Its pretty easy to use, however I dont feel the need to have an app for insurance when I can just look up my policy online,
Date: November 18, 2017 Age: Above 60 Gender: Male Marital Status: Married
Customer Service
The customer service is fine, pretty on par twith other service reps, there are good ones who are knowledgeable and bad ones who dont know the answers you need. I would like if there wasnt so many numbers to press to get a person
Allstate Home Insurance Reviews
Date: October 05, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I have had absolutely no issues with our home insurance company, and have had many great conversations with our actual agent. They seem diligent and truly have our best interests at heart.
Date: July 01, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
I really do not know. I am not the homeowner, my mother is the one who handles the bills such as that, I know we shopped around and they were one of the most competitive rates.
GEICO Home Insurance Reviews
Date: September 13, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
So far since i started purchasing home insurance it is actually awesome and we love it so i rate for now a 5 and were very satisifed
Date: November 26, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
I feel like the premium prices are the best deal with Geico compared to other companies. They offered the best prices when I was shopping for a policy. The deductibles they offer just seem pretty standard with what other companies offer.
MetLife Home Insurance Reviews
Date: October 28, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
the customer service is very good, they are very attentive and understanding with what you tell them, in general I am very satisfied with their services
Travelers Home Insurance Reviews
Date: December 27, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
the premium and deductible for what is covered is comparable to all others out there. although i liked the customer service and responsivness my rate went way up after a claim
State Farm Home Insurance Reviews
Date: April 05, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
Anytime I have called state farm regarding any issues they have been helpful and had wonderful customer service. I have had regarding many issues and always left feeling cared for and secure.
American Strategic Insurance Home Insurance Reviews
Date: February 04, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
They were the lowest when my insurance firm compared them to other possibilities. We also had to have construction insurance since we just built our home. I have not contacted them directly but so far they are the best on premiums for our current situation.