Local Merced, California insurance coverage that fits your family & business needs, with a team that knows your name.
Home, flood, and auto insurance in Merced, California
Merced is the seat of Merced County and calls itself the Gateway to Yosemite, with Highway 140 leading into the park. UC Merced opened in 2005 and has helped the city grow, while farms, dairies, and food processing remain the backbone of the local economy.
Flooding along Bear Creek
In January 2023, Bear Creek and Black Rascal Creek overflowed and flooded homes across Merced, many outside high-risk flood zones. A standard home policy does not cover flood, and NFIP policies generally take 30 days to start, so it is best to buy before the rainy season. We quote flood insurance from the NFIP and private carriers.
Homeowners and renters coverage
From older homes near downtown to new subdivisions in the north, we shop homeowners coverage across carriers. With a growing student population, we also write renters insurance and landlord policies, plus earthquake coverage, which is separate from a standard home policy.
Autos, farms, and businesses
Highway 99 and Highway 59 carry farm trucks and commuters, and Yosemite traffic adds to the mix in summer. We write auto insurance, farm insurance, trucking coverage, and policies for local businesses.
Your insurance team for Merced, California
We work with Merced households and business owners, and also serve nearby Atwater, Livingston, Winton, Los Banos, and Planada, along with communities across California.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in Merced, California providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Merced, California.