About Us

History of Merced Property & Casualty Company

In 1906, a group of farmers faced a common problem of obtaining fire insurance protection for their homes and property. Insurance companies, at the time, would not insure those properties due to a lack of fire fighting manpower and equipment. The farmers decided the only solution was to form their own insurance company, so they organized the Hilmar Mutual Fire Insurance Company that subsequently became the Merced County Fire Insurance Company in 1936.

The young company began with fewer than 100 policies and offered protection only for fire and lightning. Mr. Aaron A. Anderson, one of the company’s founders,covered the territory serving the policyholders from a horse and buggy and overseeing the organization from a roll-top desk in his residence. In 1922, an office was built in the community of Hilmar where Mr. Anderson served the company until his death in 1956.

In 1960, the company moved its operation to a modern building located in Atwater where, today, it continues to service its policyholders from the same facility. In 1982, Merced County Fire became a general writing mutual insurer, and it converted to a stock company in 2013 as one of four operating companies of the United Heritage Financial Group.

Mission Statement

Merced Property & Casualty Company provides Homeowner and Dwelling Fire policies at a competitive rate with exceptional service and positive attitude. We are an honest, ethical and trustworthy company with over 100 years of knowledge, experience and dedication to the residents of California’s North, South and Central valleys.We insure that every customer gets the attention and care they deserve in every aspect of their property insurance needs, and strive to continually improve our products and services to remain a viable company, now and in the future.

Home | Dwelling Fire | Auto

Find out more about our products by selecting the specific product you are interested in.

Quick Quote

Want to secure a quote for your home click here.

Online Payment

Policyholders can now pay and review Policy and Account information online, click here.

Find An Agent

Looking for an insurance agent in your area? Use our Agent Locator.

Contact Info

Have a question or comment? Please feel free to contact us. (209) 358-6421 | (800) 348-6747 | 971 East Broadway | P.O. Box 834 Atwater, CA 95301