Last updated:

Best Renter's Insurance Companies in Merced, CA

Our Recommended Top 3

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 Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

725 W. 18th Street, Merced, CA 95340
WebsiteLicense: 0358327 Rating

Review Sources

4.9 (106)
5.0 (41)
4.6 (12)

Why choose this provider?

Fluetsch and Busby Insurance caters to individuals in Merced who wish to protect their personal belongings inside their apartments through renters' insurance. It also provides various insurance products, such as homeowners, commercial, auto, and agriculture. Fluetsch and Busby Insurance has over 100 years of experience in the insurance industry. Its team has received praises from clients for its personalized approach to meet its clients' needs. Its current president, Doug Fluetsch, is the fourth-generation owner of the company.

  • Home and Auto Insurance

2814 G Street, Merced, CA 95340
WebsiteLicense: 0J03220 Rating

Review Sources

5.0 (9)
5.0 (5)
5.0 (1)

Why choose this provider?

K.S. Pacific Insurance Agency provides renters' insurance to individuals and families in Merced. The policy it offers helps clients protect their properties from damages caused by natural and man-made disasters. It also provides medical coverage for other people who are injured inside the property. The company also offers car, umbrella, event, landlord, and business insurance. K.S. Pacific Insurance Agency was founded in 2018 by Kelly Spies, who worked for a small agency for four years before starting her own company.

  • Multiple Carriers
  • Multiple Policy Types

61 W Alexander Ave, Merced, CA 95348
WebsiteLicense: 0H56008 Rating

Review Sources

5.0 (110)
5.0 (6)

Why choose this provider?

Torrey Moe is an insurance professional that caters to the needs of residents in the Merced metro. Affiliated with the insurance company State Farm, Moe offers insurance products, such as homeowners', renters', and life insurance plans. He also assists clients in getting health and Medicare, pet medical, and auto insurance policies. Moe's team has more than 30 years of combined experience in the insurance industry. State Farm has been in the insurance business since 1922.

  • Home and Auto Insurance

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Fluetsch and Busby Insurance
725 W. 18th Street, Merced, CA 95340
K.S. Pacific Insurance Agency
2814 G Street, Merced, CA 95340
Torrey Moe
61 W Alexander Ave, Merced, CA 95348


  • Can you make a claim against your renters’ insurance policy in Merced for a bike that got stolen at school?

    Your personal property coverage extends to belongings you take outside your rented property. You can make a claim for a bike stolen outside your school in Merced, a laptop that was taken during a car break-in, or a camera that was damaged by a hotel fire while you are traveling abroad. Some policies also provide coverage for your belongings while you are moving from one rental to another.

  • How can you minimize your renters’ insurance cost in Merced?

    You can take advantage of discounts offered by Merced insurers. Some insurers offer multi-policy discounts if you bundle your renters’ insurance with an auto insurance policy. Safety discounts are also available. These are usually offered to tenants of gated communities, and those with rental units equipped with security systems. You can also lower your cost by decreasing your coverage limits or raising your deductible. Make sure that you still have enough coverage for all your belongings when reducing your limits.

  • What protection does a standard renters’ insurance policy provide to tenants in Merced?

    A standard policy in Merced would include personal property, loss of use, personal liability, and medical payment coverages. Personal property protection covers damaged or stolen personal belongings. If you have to leave a severely damaged rental property, you can reimburse additional living expenses like hotel bills under the loss of use coverage. Personal liability and medical payment coverages help pay for medical and legal expenses if a guest gets injured in the rental unit

  • What are common exclusions in renters’ insurance policies in Merced?

    Your roommate’s personal property is excluded from your coverage. Damage due to pest infestations like bed bugs and rats is also a common exclusion. Renters’ insurance companies in most states do not cover flood and earthquake-related damages. Water backup from sewers, sump pumps, and drains is another peril typically excluded. Note that if you have high-value items like collectibles, art, and jewelry, you may need an endorsement. Basic policies in Merced have coverage sub-limits for expensive belongings.

  • Can your renters’ insurance help with expenses if your dog bites your neighbor in Merced?

    Renters’ insurance policies include liability protection which can help you pay for expenses related to dog bite injuries. It can cover the neighbor’s medical bills and your attorney fees if your neighbor sues you. Note that the amount covered will only be up to your policy limits. Some Merced insurers exclude certain dog breeds or dogs with a biting history in this coverage. Your policy may also only cover dog bites that happened within your rental unit.

Related Articles


Survey: COVID-19 Pandemic Leads to Surge in Demand for Renters Insurance

We surveyed 1,000 renters in the U.S. to see how the pandemic changed their thoughts about renters insurance, what they look ...