Last Updated: 04/18/2025
SuperMoney User Recommendation Score +11
Mostly recommended9 total votes
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Highlights
Community Rating
Mostly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
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Mercury Home Insurance Review
Mercury Home Insurance is an insurance carrier based in Los Angeles, CA. The company was founded in 1961 and offers home insurance in 11 states in the USA.
Mercury Home Insurance FAQ
What is the financial strength rating of Mercury Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Mercury Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.
What types of coverage does Mercury Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Mercury Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Mercury Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Equipment Breakdown Protection:
This protects from loss due to a mechanical or electrical breakdown of nearly any type of equipment, including photocopiers and computers. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Personal Injury Liability Coverage:
This protects you against bodily injury and property damage for which you or the residents of your home are responsible.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
Yard and Garden Coverage:
This endorsement offers expanded coverage for items like trees, landscaping, tools, and riding lawnmowers.
How can you save money on a Mercury Home Insurance home insurance policy?
When you ask for a quote with Mercury Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Recent Home Improvements / New Roof
- Deadbolt Locks on Exterior Doors
- Fire Extinguisher in the Home
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Mercury Home Insurance.
What additional benefits does Mercury Home Insurance offer?
Mercury Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday8:00AM - 6:00PMTuesday8:00AM - 6:00PMWednesday8:00AM - 6:00PMThursday8:00AM - 6:00PMFriday8:00AM - 6:00PMSaturdayClosed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +11, or 3.2 on a 5-point rating scale.
+11
-1000+100
No one recommends
Everyone recommends
Mercury Home Insurance Community Reviews
Would you recommend Mercury Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Fiance's house was broken into and a bunch of items was stolen. Filed claim through the app and it was very simple to do. Provided the event details, police report, items and receipts that were stolen, and was quickly approved! All without having to talk to a single agent.
Antonyo H.
Aug 25, 2021
May or may not recommend
I'm sharing on behalf on my brother who lives in California and isn't on the rich side. This insurance company provides him with safety and a good budget for his family.
Originsand T.
Jul 29, 2021
May or may not recommend
I think they can be a good choice, however, shop around and decided for yourself. This is one of the lesser-known home insurance companies but with time they might reach Allstate status.
AW
Aven W.
Jun 24, 2021
May or may not recommend
Most consumers regard Mercury as an insurance provider that provides a wide range of coverage options at competitive prices. Many consumer reviews, however, say that things could be better. Because of claims and price difficulties, Mercury has low customer satisfaction ratings.
AO
Adebola O.
Jun 6, 2021
May or may not recommend
I don't use mercury home insurance because all I've been hearing about them is that they deny coverage and even have bad customer service.
TK
Timz K.
Apr 10, 2021
May or may not recommend
Fiance's house was broken into and a bunch of items was stolen. Filed claim through the app and it was very simple to do. Provided the event details, police report, items and receipts that were stolen, and was quickly approved! All without having to talk to a single agent.
Linda C.
Apr 8, 2021
May or may not recommend
I have a lot of damage from this past winter, mostly dammiing. Adjuster came out walking on my 8 month old wet carpet water stain ceiling hanging down, and panelling showing water drips. Gutters hanging off the house and siding bellowing from water seepage. Was told damage was worth !,167.00 with my $1,000 deductable they sent me a check for $167.00. Plus I am still in my home hired ...Show More
Navid A.
Nov 30, 2018
May or may not recommend
My roof collapsed and they deny the coverage based on a total BS. They claimed "bad workmanship" for a roof that was build 50 years go, based on code, inspected, certified. They even admit that the roof is compliment with code and engineering practices but they said since it collapsed, there should have been something wrong with it.
After I talked with lawyers, they are famous for always denying coverage. The ...Show More
Miron L.
Jun 28, 2018
May or may not recommend
I had Mercury Insurance for a few years. Not much to say other than it was significantly cheaper than anyone else when I was shopping around. I never had to file a claim though so I can't comment on that.
Showing 9 of 9 reviews