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 officially changed its name to Merced Mutual Insurance Company.

                                                              MISSION STATEMENT

Merced Mutual 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.