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2024

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Best Homeowners Insurance Agencies in Merced, CA

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Merced homeowners insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

54Reviewed

36Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3061 College Green Drive, Merced, CA 95348

Expertise.com Rating

Review Sources

Google
4.8 (24)
Yelp
5.0 (1)

Why choose this provider?

Executive Edge Insurance Services is a company providing homeowners in the Merced area with custom insurance policies. This team is able to accurately appraise homes and determine the type and amount of coverage needed. As an independent agency, it can source policies from a range of carriers to provide clients with the most competitive pricing options. Executive Edge Insurance Services offers coverage for luxury homes as well as businesses and automobiles.

  • Multiple Policy Types

3187 Collins Drive, Merced, CA 95348

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
4.4 (7)
Yelp
5.0 (2)

Why choose this provider?

Leap | Carpenter | Kemps Insurance Agency has been servicing Merced since 1947, catering to its residents' insurance needs. The agency offers a selection of home insurance for homeowners, condominiums, mobile homes, and RV/motor homes. It recommends adding earthquake and flood insurance to every home insurance policy to effectively protect the clients' homes from natural disasters. Leap | Carpenter | Kemps also provides auto, personal, commercial, life, and health insurance. The agency serves the whole of California as well as other states like Arizona, Nevada, and Washington.

  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

2185 G Street, Merced, CA 95340

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (1)
Yelp
1.0 (1)

Why choose this provider?

New Horizon Insurance Services is an independent insurance agency assisting clients with their homeowners' insurance needs by reaching out to carriers and finding multiple coverage options. The company's dwelling insurance policy covers luxury homes, high-risk area homes, vacation homes, homeowners, and home renters. Its staff is equipped to help clients protect their properties built in Merced, Oakhurst, Madera, Clovis, and Fresno. Personalized home insurance is provided to safeguard clients from natural disasters, fire damage, and personal or legal liability.

  • Multiple Carriers
  • Flood
  • Earthquake

1277 V Street, Merced, CA 95341

Expertise.com Rating

Review Sources

Google
4.7 (50)
Yelp
4.5 (6)
Facebook
4.2 (5)

Why choose this provider?

Edmar Insurance Merced North (M3) is a Merced-based independent insurance agency that has been providing services since 1998. It offers a variety of insurance plans, including homeowners' and renters' insurance. The company helps its clients protect their homes by putting together a dwelling policy that will meet their needs. It helps make sure that the clients' property and liability will be protected. Edmar Insurance Merced North (M3) also handles auto and motorcycle insurance.

  • Multiple Policy Types

2554 Alabama Street, Atwater, CA 95301

Expertise.com Rating

Why choose this provider?

Kilgore Insurance Agency is a locally owned company providing homeowners with high quality insurance policies. It consults with clients to understand their home's needs and connects them with the best carrier at the most affordable rate. This agency is capable of finding coverage for several types of dwellings, including single family homes, mobile homes, and condominiums. In addition to homeowners insurance, Kilgore Insurance Agency offers coverage for automobiles and commercial properties.

  • Renter's Insurance
  • Condos

840 West Olive Avenue, Merced, CA 95348

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Quote Valley Insurance is a Merced-based full-service independent agency that helps homeowners protect their homes against disasters. The company's agents shop for different insurance policy options and guide them in selecting the best one depending on their needs. The homeowners' insurance pays for the repair or replacement of properties that have been damaged by a covered event or loss due to theft or vandalism. Also covered are liability protection and medical expenses in case someone gets injured in the home. Quote Valley Insurance also offers auto, health, life, and business insurance.

  • Multiple Policy Types

505 West 18th Street, Merced, CA 95340

Expertise.com Rating

Review Sources

Google
4.3 (6)
Yelp
1.0 (1)

Why choose this provider?

Salmeri Insurance is a Merced-based company that has been providing insurance solutions for more than 55 years. This independent agency provides home insurance services to financially protect clients from damages and losses. Its team of insurance agents uses techniques, such as risk reduction and transfer, elimination, and risk assumption to reduce the cost of the insurance. They also offer health, life, agriculture, and business insurance services. Some of its product lines include Progressive, Nationwide, and Chubb.

  • Multiple Policy Types

126 West Main Street, Merced, CA 95340

Expertise.com Rating

Review Sources

Facebook
5.0 (20)
Google
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

RC Insurance Brokers is an insurance business operating and helping homeowners since 2018. The company caters to households and businesses in Merced, Manteca, Tracy, and all of California. Its staff attends to clients' homeowners' insurance needs by identifying which protection plan in the marketplace suits their situation. Aside from shopping for insurance coverages, the company also assists in filing a claim to insurance carriers to repair or replace assets from covered events. Other personal insurance products include auto, boat, and recreational.

  • Personal Property Insurance
  • Multiple Carriers
  • Fire

2814 G Street, Merced, CA 95340

Expertise.com Rating

Review Sources

Google
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

K.S. Pacific Insurance Agency is a locally-owned agency that serves the insurance needs of individuals and businesses in Merced. This small business comprises insurance agents who offer custom insurance plans for homeowners. The homeowners' insurance plan safeguards clients financially, helping pay the reconstruction or repair costs of destroyed properties under covered circumstances. It also offers insurance plans for rental properties and apartments. K.S. Pacific Insurance Agency works with trusted insurance companies like Progressive, Safeco, and Pie Insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

725 West 18th Street, Merced, CA 95340

Expertise.com Rating

Review Sources

Google
4.6 (13)
Yelp
4.5 (9)
Facebook
5.0 (7)

Why choose this provider?

Fluetsch and Busby Insurance is a family-owned and -operated independent insurance agency that has been offering insurance solutions to clients in Merced since 1912. The company provides homeowners insurance solutions that help clients protect their homes from unforeseen hazards and risks. It has a user-friendly web portal integrated into its company site that conducts an initial assessment and calculation of the property and the coverages included in different package options.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Executive Edge Insurance Services
3061 College Green Drive, Merced, CA 95348
Leap | Carpenter | Kemps Insurance Agency
3187 Collins Drive, Merced, CA 95348
New Horizon Insurance Services
2185 G Street, Merced, CA 95340
Edmar Insurance Merced North (M3)
1277 V Street, Merced, CA 95341
Kilgore Insurance Agency
2554 Alabama Street, Atwater, CA 95301
Quote Valley Insurance
840 West Olive Avenue, Merced, CA 95348
Salmeri Insurance
505 West 18th Street, Merced, CA 95340
RC Insurance Brokers
126 West Main Street, Merced, CA 95340
K.S. Pacific Insurance Agency
2814 G Street, Merced, CA 95340
Fluetsch & Busby Insurance
725 West 18th Street, Merced, CA 95340

Merced, CA Homeowners Insurance Agency FAQs

  • What are some of the legal requirements for hiring an insurance broker in Merced?

    You must agree to the fee after full disclosure and sign the Broker Fee Agreement, which includes standard information, with the insurance broker. The broker in Merced is also required to post a bond with the California Department of Insurance and is not the insurance carrier's designated agent. Additionally, a broker's fee should not be charged on a FAIR Plan.

  • Where can you obtain wildfire insurance in Merced if you cannot find one in the traditional market?

    Check the Surplus Line Association of California for policies that insure homes that are at high risk of wildfires or have a history of multiple claims. You can also get one from the California FAIR plan, a state-mandated provider that serves homeowners who have been denied coverage in the traditional insurance market. These companies can provide standard homeowner's insurance as well as wildfire insurance to Merced residents.

  • Does it cost much to get an earthquake insurance in Merced?

    Earthquake insurance premiums in California range between $500 and $1,000 for a $100,000 dwelling coverage. This is in addition to your standard homeowner's insurance. So, if a home in Merced costs $400,000 to rebuild, the policyholder must purchase insurance that costs $2,000 to $4,000 per year for the insurer to provide this much coverage. Deductibles, as well as the location, foundation type, and age of the home, are all factors that influence premium costs.

  • Can you still file a homeowner's insurance claim in Merced even if you do not have a police report for a burglary?

    If you file a homeowner's insurance claim, your insurance company will most likely request a police report. To report a burglary, call the Merced Police Department at 209-385-6905 or go to the station at 611 W 22nd Street, Merced, CA 95340. You can pick up a copy of the police report at the station or call the records division at (209) 385-6912 for more information on how to obtain a report.

  • How can you avoid a homeowner's insurance claim in Merced to be denied?

    Pay your premiums on time to avoid having your homeowner's insurance claim denied. It is also critical that you adhere to filing deadlines and submit clear and detailed documentation. If you do not notify your insurance company about any home additions or renovations, they will deny coverage for these changes. Finally, never neglect to maintain your Merced home because damage that could have been avoided will almost certainly not be covered by your insurance.

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