Why Choose Merced Mutual Insurance Company?

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

Facts About Merced Mutual Insurance 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

Homeowners

• 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, Rekeying 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

Merced Mutual Insurance 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.

Click here to download a PDF of our brochure.