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Find Renters Insurance Agents Near You in Merced, CA

Browse renters insurance agents serving Merced, California. Updated 2026-07-14.

The top-rated renters insurance agent in Merced, California is Cost-U-Less Insurance, rated 4.9 stars across 776 reviews. Other highly rated options include State Farm Insurance Agent, Torrey Moe - State Farm Insurance Agent, Freeway Insurance. This directory lists 20 renters insurance agents serving Merced.

Showing 20 renters insurance agents in Merced, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Cost-U-Less Insurance3070 M St #1(209) 418-7383
2State Farm Insurance Agent1124 W Olive Ave #102(209) 384-8811
3Torrey Moe - State Farm Insurance Agent61 W Alexander Ave(209) 580-4432
4Freeway Insurance251 W 11th St(209) 781-4122
5Quote Valley Insurance - Covered California840 W Olive Ave STE E(209) 723-2000
6Fluetsch & Busby Insurance725 W 18th St #1(209) 722-1541
7Fiesta Auto Insurance & Tax Service1580 Yosemite Pkwy(209) 580-3938
8Justi Smith - State Farm Insurance Agent830 W 19th St(209) 383-3208
9Farmers Insurance - Annissa Fragoso527 W Main St(209) 626-5551
10Edge Insurance Services2830 G St Ste B(209) 385-3343
CU
3070 M St #1
Cost-U-Less Insurance
Renters Insurance Agent · Merced, CA

Serving renters, homeowners, and property managers in Merced, California, Cost-U-Less Insurance provides renters insurance policies that cover personal belongings and liability. These plans help tenants protect their possessions from theft, fire, and water damage. The agency works to match clients with coverage that fits their specific rental situations and budgets. Policies also include loss-of-use coverage for temporary housing costs when a home becomes uninhabitable. Cost-U-Less Insurance extends its renters insurance services to clients throughout Atwater and the greater Merced County metro area.

SF
1124 W Olive Ave #102
State Farm Insurance Agent
Renters Insurance Agent · Merced, CA

State Farm Insurance Agent serves the Merced, California metro area as a renters insurance agent. The agency helps local tenants protect personal belongings and secure liability coverage for their rented apartments or houses. Policies are designed to cover losses from theft, fire, or water damage that are not caused by flooding. Dedicated guidance on selecting appropriate coverage limits and deductibles is offered to each client. The agency also assists with processing claims for stolen or damaged property.

TM
61 W Alexander Ave
Torrey Moe - State Farm Insurance Agent
Renters Insurance Agent · Merced, CA

Torrey Moe - State Farm Insurance Agent provides renters insurance policies tailored to protect personal belongings and provide liability coverage for tenants in the Merced area. Service options include policy consultations for coverage limits, customizing deductibles, and processing claims assistance. Maintenance plans typically involve periodic policy reviews to adjust coverage as needed for changing rental circumstances. This renters insurance agent services single-family homes, apartments, retail spaces, and restaurants.

FI
251 W 11th St
Freeway Insurance
Renters Insurance Agent · Merced, CA

For renter’s insurance, a distinction exists between a one-time policy purchase, such as when signing a lease, and ongoing scheduled payments that renew coverage annually. Freeway Insurance in Merced, California, works with clients to secure protection for personal belongings against theft and certain damages while also including liability coverage. The company offers consultations to tailor coverage limits to a tenant’s actual inventory. Service for policy adjustments and claims support runs on an as-needed basis, with renewals typically scheduled each term.

QV
840 W Olive Ave STE E
Quote Valley Insurance - Covered California
Renters Insurance Agent · Merced, CA

Quote Valley Insurance - Covered California serves renters in Merced, California, helping them secure affordable coverage for their personal belongings and liability protection. As a local renters insurance agent, the company assists clients with navigating policy options and understanding how to protect their valuables from common risks like theft or accidental damage. The agency also extends its services to homeowners and property managers seeking comparable insurance solutions. Additionally, Quote Valley Insurance covers the neighboring community of Atwater and other parts of the greater Merced metro area.

FB
725 W 18th St #1
Fluetsch & Busby Insurance
Renters Insurance Agent · Merced, CA

Fluetsch & Busby Insurance serves Merced and the surrounding communities of the Central San Joaquin Valley, handling renters insurance policies for local tenants and property owners. The agency addresses coverage for personal belongings, liability protection, and additional living expenses following a covered loss. To manage a typical job, the staff first evaluates the client’s current lease terms and household inventory before presenting policy options that align with common rental needs.

FA
1580 Yosemite Pkwy
Fiesta Auto Insurance & Tax Service
Renters Insurance Agent · Merced, CA

Serving Merced, California, and the surrounding communities, Fiesta Auto Insurance & Tax Service helps tenants secure renters insurance policies to cover personal belongings and liability. The company assists clients in navigating various coverage options to protect against common risks like theft, fire, or water damage. For a typical job, it first reviews the client’s specific needs and property details, then presents straightforward policy comparisons to find suitable local protection.

JS
830 W 19th St
Justi Smith - State Farm Insurance Agent
Renters Insurance Agent · Merced, CA

Located in Merced, California, Justi Smith - State Farm Insurance Agent provides renters insurance addressing both one-time policy setups and ongoing coverage renewal options. The agency helps safeguard personal belongings and offers liability protection for unforeseen incidents within a rented residence. Service is structured on an as-needed basis, with clients able to request policy adjustments, file claims, or discuss coverage changes whenever required without a fixed schedule.

FI
527 W Main St
Farmers Insurance - Annissa Fragoso
Renters Insurance Agent · Merced, CA

Serving Merced, Farmers Insurance - Annissa Fragoso offers specialized renters insurance policies that protect personal belongings and liability. The agency generally assists clients with tailoring coverage limits and deductibles to individual needs. For those in the area, policy options can address risks like fire damage from dry summer conditions or theft during holiday travel. It helps renters ensure their lease obligations and valuables are secured against sudden plumbing leaks or storm-related losses.

EI
2830 G St Ste B
Edge Insurance Services
Renters Insurance Agent · Merced, CA

Edge Insurance Services offers specialized renters insurance guidance, helping tenants in Merced protect personal belongings and obtain liability coverage. The company assists clients in evaluating policy options for their specific living situations. As a Renters Insurance Agent, it works to explain different coverage levels and deductible choices clearly. This service is particularly valuable for local residents when seasonal flooding or unexpected water damage from nearby agricultural runoff threatens personal property within an apartment or rental home.

FA
1102 W 16th St
Fiesta Auto Insurance & Tax Service
Renters Insurance Agent · Merced, CA
(209) 383-9500
fiestainsurance.com/stores/fiesta-insurance-and-tax-merced-california-ca030
FI
3183 Collins Dr # C
Farmers Insurance - Robert Flores
Renters Insurance Agent · Merced, CA
(209) 580-4290
agents.farmers.com/ca/merced/robert-flores
PP
240 E Yosemite Ave
Peter Padilla - State Farm Insurance Agent
Renters Insurance Agent · Merced, CA
(209) 383-5843
peterpadilla.com
FI
1777 G St Ste 10
Farmers Insurance - Juan Mena-Sandoval
Renters Insurance Agent · Merced, CA
(209) 259-6954
FI
1820 P St
Farmers Insurance - Miguel Soto
Renters Insurance Agent · Merced, CA
(209) 617-0982
agents.farmers.com/ca/merced/miguel-soto
MA
1624 K St
Merced Atlas Insurance Services
Renters Insurance Agent · Merced, CA
(209) 626-5450
MI
833 W 18th St
Merced Insurance
Renters Insurance Agent · Merced, CA
(209) 722-3318
mercuryinsurance.com/agents/california/merced-ins-agcy-044056.html
FI
507 W 25th St
Farmers Insurance - Gary Rucker
Renters Insurance Agent · Merced, CA
(209) 726-0234
agents.farmers.com/ca/merced/gary-rucker
NH
2185 G St suite 200
New Horizon Insurance Services Merced
Renters Insurance Agent · Merced, CA
(209) 722-1400
newhorizonins.com
II
368 E Yosemite Ave Ste. 100
InterWest Insurance Services, LLC. Merced
Renters Insurance Agent · Merced, CA
(209) 723-9181
iwins.com/contact-us/merced

What Does a a Renters Insurance Agent in Merced Cost?

Typical renters insurance costs in California range from 15 to 30 dollars per month for standard coverage. In Merced, factors like your credit score, deductible choice, and the amount of coverage affect the premium. A basic policy with 15,000 dollars in personal property coverage often costs around 18 dollars monthly. This is general information and not insurance advice.

About renters insurance agents in Merced

Renters insurance agents in Merced California help tenants protect personal property from theft fire and water damage. California law does not require renters insurance but many landlords now ask for proof of coverage. Local agents can explain policy options that meet your needs and budget.

Frequently Asked Questions

What does a renters insurance agent in Merced do?

A renters insurance agent helps you choose a policy that covers your personal belongings and liability. They compare plans from different companies and explain California specific coverage rules. Agents also assist with filing claims if you experience a loss.

Is renters insurance required in California?

California state law does not require renters insurance. However many landlords in Merced now include a requirement in the lease agreement. An agent can help you find a policy that satisfies your landlords request.

How much personal property coverage do I need in Merced?

Most renters insurance policies in California offer personal property coverage starting at 15,000 dollars. An agent can help you calculate the value of your belongings to choose the right amount. You should also consider replacement cost versus actual cash value options.

Renters Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each renters insurance agent's credentials and current standing with your state Department of Insurance.