Due to the massive wildfire in Butte County, we have placed a moratorium on all new business. Our focus is on assisting those who have suffered loss from this catastrophic event. If you are affected by the Camp Fire and need assistance, please contact us at 1-800-348-6747. Our thoughts and prayers are with all of those in Butte County that have been impacted by this tragic event.

Terms and Conditions of Use

Last Updated: 10/18/2017

Please read the following Terms and Conditions of Use carefully before using this website, platform, or application.

The information contained on United Heritage websites, platforms, and applications ("Sites") is provided for general informational purposes and as a convenience to our Internet visitors. It is not intended to provide legal, tax, or any other professional advice, and you should not rely solely upon this information in making any decision. By using or accessing United Heritage Sites, you agree to the following Terms and Conditions of Use which apply to all United Heritage Sites. United Heritage may at any time revise these terms and conditions. You are bound by any such revisions and should therefore periodically visit this page to review the current terms and conditions.

United Heritage Companies

As used in these terms and conditions, "United Heritage" includes the following United Heritage companies and subsidiaries:

  • United Heritage Financial Group – Domiciled in Idaho.
  • United Heritage Life Insurance Company – Domiciled in Idaho and licensed in 49 states and the District of Columbia. (NAIC number: 63983)
  • United Heritage Property & Casualty Company – Domiciled in Idaho and licensed in Arizona, Idaho, Oregon, and Utah. (NAIC number: 18939)
  • Merced Property & Casualty Company – Domiciled and licensed in California. (NAIC number: 15768)
  • Sublimity Insurance Company – Domiciled in Oregon and licensed in Idaho, Oregon, and Utah. (NAIC number: 26824)

The United Heritage companies will not be bound by requests or information submitted to United Heritage via the Internet, email, or any other electronic method. The companies are not accepting applications from residents of any state or country in which they are not licensed.


The content on United Heritage Sites is provided "As Is" and "As Available" and is not intended to be an offer to sell, a solicitation, or an advertisement of any product or service in any jurisdiction. Any inquiries regarding the purchase of a product from United Heritage will be directed to a licensed agent/producer. UNITED HERITAGE MAKES NO EXPRESS OR IMPLIED WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. UNITED HERITAGE MAKES NO REPRESENTATION OR WARRANTY THAT UNITED HERITAGE SITES WILL OPERATE UNINTERRUPTED OR BE FREE FROM ERRORS. UNDER NO CIRCUMSTANCE WILL UNITED HERITAGE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT OR INDIRECT DAMAGES, AS PERMITTED BY LAW) ARISING OUT OF THE USE OF OR INABILITY TO USE THE INFORMATION, SERVICES, SOFTWARE, OR OTHER ITEMS PROVIDED ON UNITED HERITAGE SITES. Any reference to coverage given on United Heritage Sites is intended to be descriptive in nature and for informational purposes only. Products and provisions described may not be available in all states. A written policy contains a complete description of benefits, provisions, limitations, and exclusions, and in the event of a conflict between descriptive information on United Heritage Sites and a policy, the policy will prevail.

Restricted Areas and Secured Passwords

The unauthorized use of or access to portions of United Heritage Sites that require password authentication is prohibited. Such unauthorized use or access, whether actual or attempted, may be subject to criminal and/or civil prosecution.

If you are authorized to access restricted portions of United Heritage Sites, do not share your password with anyone. You are solely responsible for maintaining the confidentiality of your password. If you suspect any unauthorized activity related to your account, contact United Heritage. United Heritage will not be responsible if you fail to properly secure your password or choose to share your password with any other person.

Third Party Hyperlinks

United Heritage Sites provide links to third party websites for your convenience and information. These third party websites are not maintained by United Heritage and should not be interpreted as being affiliated with or endorsed or sponsored by United Heritage. United Heritage is not responsible for any content, products, or services maintained on these third party websites.


Personal information transmitted to United Heritage will be treated in accordance with our Privacy Notice.

Proprietary Rights

United Heritage owns the copyright to all text and certain graphic images on United Heritage Sites. The names "United Heritage," "Sublimity Insurance Company," and "Merced Property & Casualty Company," the "landing eagle" logo, the slogan "Dream Big. Plan Smart.," as well as all logos and graphics using the United Heritage, Sublimity Insurance Company, or Merced Property & Casualty Company name are the intellectual property, trademarks, and/or service marks of United Heritage. Any infringement of these proprietary rights is prohibited. Other parties' trademarks and service marks that may be referred to herein are the property of their respective owners. The information contained on United Heritage Sites is provided for the personal use of our readers who may print one copy for personal use only, but such information may not be distributed or modified nor links made to United Heritage Sites without the prior written consent of United Heritage. UNAUTHORIZED COPYING, REPRODUCING, REPUBLISHING, UPLOADING, DOWNLOADING, POSTING, TRANSMITTING OR DUPLICATION OF ANY OF THE MATERIAL ON UNITED HERITAGE SITES IS PROHIBITED.

Important Notice Regarding Electronic Check Conversion

When you provide a check as payment, you authorize United Heritage to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment, and you will not receive your check back from your financial institution.


United Heritage may terminate your access to United Heritage Sites for any reason, without prior notice.

Governing Law

These Terms and Conditions of Use shall be governed and construed by the laws of the State of Idaho without giving effect to any conflict of laws principles or provisions.


If a court of competent jurisdiction deems any provision unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will continue in full force and effect.

For More Information

If you have any questions regarding these Terms and Conditions of Use, please contact us:

Merced Property & Casualty Company
P.O. Box 834
Atwater, California 95301-0834
Toll-Free 1-800-348-6747

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