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.

Company Brochure

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Why Choose Merced Property & Casualty Company?

  • A regional company with competitive property orientated markets
  • A United Heritage Financial Group Company
  • Professional claims and underwriting staff dedicated to servicing our policyholders
  • Dedicated to establishing a positive and lasting relationship with you, our valued business partner
  • Can respond quickly to constant industry changes
  • Responsive to your suggestions and ideas

Facts About Merced Property & Casualty Company

  • A regional California company
  • Serving the Central Valley since 1906
  • Market viability – We remained open when others withdrew
  • Relationship and service oriented – Agents are our customers and business partners
  • Competitive programs
  • Outstanding claims service
  • Small enough to have personal relationships with our agents
  • Underwriters intimately know their territory
  • A.M. Best’s Insurance Rating is A- (Excellent); Financial Size V
  • A United Heritage Financial Group Company



  • Forms HO-3, HO-4 and HO-6 available
  • New home discounts begin at 40% and reduce 1% per year thereafter
  • Standard deductible is $500 with credits for higher deductibles
  • Protective device credits are available
  • Optional Extended Replacement Cost on dwelling
  • Optional Ordinance or Law coverage
  • Optional Personal Injury coverage
  • Optional Homeowners Extra Coverage (includes Higher limits for theft of unscheduled jewelry, watches, furs, precious and semi-precious stones, Personal Injury, Re-keying of locks, Extended Replacement Cost – dwelling, Comprehensive Glass coverage)
  • Loss-free credit starts at 1% with a maximum credit of 5%
  • Renewal credit starts at 1% with a maximum credit of 5%
  • Boats and personal article floaters can be endorsed
  • Optional Merced Premier Homeowner Endorsement (Includes Additional Coverage Declared Emergency; Equipment Breakdown Coverage; Service Line Coverage; Green Home Additional Coverage; Pet Injury Coverage; Identity Recovery Coverage)

Dwelling Fire

  • Extended Replacement Cost on the dwelling is available
  • Ordinance or Law coverage is available
  • Can consider dwellings up to 2 units


  • Package with your Homeowner for discount
  • Multi-car discount
  • All Risk Coverage
  • CA Good Drivers preferred
  • Optional Towing
  • Optional Increased Rental Reimbursement


  • Mobile Home Program

Merced Property & Casualty Company is located in Atwater, California. Our goals are to provide competitive programs, exceptional service, and establish a positive relationship with our customers. For more information, please contact our Home Office at 1-800-348-6747.

Home | Dwelling Fire | Auto

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(209) 358-6421 | (800) 348-6747