Fluetsch & Busby Insurance
725 W. 18th St, Merced, CA 95340
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Merced households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
725 W. 18th St, Merced, CA 95340
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368 E Yosemite Ave, Ste 100, Merced, CA 95340
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840 W Olive Ave, STE E, Merced, CA 95348
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505 W 18th St, Merced, CA 95340
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Learn about insurance coverage options specific to Merced residents.
Merced insurance guide covering auto rates from $25/month, flood risks along Bear Creek, and local agents. Essential for homeowners and UC Merced students.
Home InsuranceMerced home insurance guide: 67% of properties face flood risk. Learn about rates ($1,200-$2,000/year), flood coverage needs, and how to save on premiums.
Car InsuranceMerced auto insurance averages $148/month. Learn about California's new 30/60/15 minimums, at-fault system, CA-99 corridor risks, and how to find the best rates.
Merced drivers pay about $46 per month for state-required liability coverage, which is $6 below the national average. Full coverage with comprehensive and collision typically costs around $167 monthly, though the cheapest providers like CSAA offer rates starting at $105 per month. Your actual rate depends on your driving record, age, vehicle type, and coverage limits.
If you own a home near Bear Creek, Miles Creek, or the Merced River, flood insurance is essential—standard homeowners policies don't cover flood damage. Merced has experienced devastating floods in 1997 and 2023, with water levels exceeding historic highs. Even if you're not in a designated flood zone, consider coverage given the region's storm patterns and flood history.
CSAA currently offers the most affordable rates in Merced, with liability coverage starting at $25 per month and full coverage at $105 monthly. USAA (for military families) and AAA NorCal also provide competitive rates. Independent agents can compare quotes from multiple carriers to find your best option based on your specific situation.
Renters insurance for UC Merced students typically costs $15-25 per month. It covers your belongings if stolen or damaged, provides liability protection if someone is injured in your rental, and pays for temporary housing if your apartment becomes uninhabitable due to flood or fire. Many landlords now require it as a lease condition.
Yes, Merced has several established local agencies including Fluetsch & Busby Insurance (serving the area since 1912) and Edmar Insurance & DMV Services (since 1998). Major carriers like State Farm, Farmers, Allstate, and Mercury Insurance also have local agents who understand regional risks like flooding and agricultural hazards better than national call centers.
Flooding is Merced's primary natural disaster risk, particularly along Bear Creek and Miles Creek. The city has experienced major floods in 1997 and 2023 that required evacuations and caused extensive property damage. Severe storms bringing mudslides, downed trees, and power outages also impact the region. These risks influence both homeowners insurance availability and flood insurance requirements.
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