SuperMoney

Mercury

in Home Insurance

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Mercury

Unaffiliated

in Home Insurance

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Overview

Where does Mercury do business?

Mercury 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. 

What is the financial strength rating of Mercury?

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 scores an A+, SuperMoney's highest available rating.

What types of coverage does Mercury 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 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 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 policy?

When you ask for a quote with Mercury, 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.

What additional benefits does Mercury offer?

Mercury 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...

Availability

Available in 11 states
  • Arizona
  • California
  • Florida
  • Georgia
  • Illinois
  • Nevada
  • New Jersey
  • New York
  • Oklahoma
  • Texas
  • Virginia

Feature Breakdown

Policy Discounts
  • Higher Deductibles
  • Multiple Policy
Property Discounts
  • 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
Home and Renters Insurance Riders
  • Earthquake Coverage
  • Equipment Breakdown Protection
  • Flood Coverage (Federal)
  • Identity Theft Protection
  • Personal Injury Liability Coverage
  • Valuable Items
  • Yard and Garden Coverage
Financial Strength Rating
  • A+
Claim Forgiveness
Carrier Features
  • 24/7 Phone Availability
  • Locally Available Agents
  • Mechanical / Auto Body Repair Network
Available 24/7 by Phone
Home and Renters Insurance
  • Dwelling Coverage
  • Guest Medical Protection
  • Liability Coverage
  • Other Structures Coverage
  • Personal Property Protection
  • Reimbursed Living Expenses

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