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.
Vehicle Insurance
Property Insurance
Personal Insurance
Insurance coverage for your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages.
Builders Risk
Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, ensuring your construction project is safeguarded until completion.
Garage Keepers
Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.
We go beyond writing policies.
Established by Michael Urbano in 2010, Elye Insurance has belonged to the Mission Viejo community for more than two decades, guiding families, homeowners, and local businesses to the right protection for every stage of life.
We do more than sell policies; we build relationships. Our team takes time to learn your needs, your goals, and your story, so we can design insurance solutions that give you true peace of mind.
"Elye Insurance exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals."
Since 2010, we’ve committed ourselves to protecting families & businesses with tailored insurance solutions grounded in honesty, education, and care.
Michael Urbano
Founder, Elye Insurance
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.
