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Mercury home insurance review

Get sturdy home coverage served by thousands of local agents.

  • Get a quote if you need wide home protection.
  • Pick something else if you love extra benefits or highly rated customer service.
  • Homeowners in 11 states can apply.


Available states

24/7 claims

Online quotes



  • Strong home coverage
  • Local service
  • Excellent finances
  • Well-constructed website info


  • Only serves 11 states
  • Not many customer reviews
New home discount discount Yes
New homeowner discount Yes
Home safety features discount Yes
New policy discount No
Bundling discount Yes
No claims discount No
Other discounts No
Personal property coverage Yes
Valuable personal property Yes
Theft coverage No
Fire coverage No
Flood coverage No
Identity theft coverage Yes
Homesharing No
Dwelling coverage Yes

What home insurance coverage does Mercury offer?

Mercury provides the necessities for keeping your home safe. Its coverage includes:

  • Additional living expenses
  • Dwelling
  • Guest medical
  • Identity theft protection
  • Personal liability
  • Personal property
  • Valuables

What add-ons can I get with Mercury?

The company provides several add-ons with useful features, like professional identity theft help or packaged protection for multiple home appliances.

  • Extended replacement cost. Home replacement coverage up to 150% of your dwelling coverage limits. That’s higher than any other home insurer and helps you keep premiums down while increasing coverage in a total loss.
  • Home systems protection. Keep expensive appliances protected, no matter how old they are. Plus, get 50% more coverage to replace them with more efficient or environmentally friendly systems. Appliances covered include electrical, kitchen and laundry appliances, heating and cooling, water heaters and filters, home security, power tools and home entertainment.
  • Service lines. Maintain the water, sewer and power lines on your property. Includes a $500 deductible separate from your home policy.
  • Home cyber. Recover data, computer systems and financial losses from online fraud. Comes with a $500 deductible per incident.
  • Identity management services. Work with professionals from CyberScout to restore your identity and get fraud alerts, plus get reimbursed for related expenses.
  • Difference-in-conditions. Mercury offers this add-on to Californian homeowners who live in areas that are at a high risk of damage from wildfires. This endorsement covers gaps in the California FAIR Plan policy.

    What home insurance discounts can I get with Mercury?

    Mercury offers simple ways to save on your premium.

    • Wildfire mitigation, available to Californians who take steps to protect their home against wildfires
    • Auto and home bundle
    • New home
    • Protective devices, such as deadbolts, fire or theft alarms
    • Fire-resistant construction materials
    • Gated community

    Pros and cons of Mercury home insurance


    • Strong coverage. Get all the standard coverage you’d find with other policies, plus extensive protection for home replacement and appliances.
    • Local service. Answer coverage questions with one of Mercury’s 8,000 local agents.
    • Excellent finances. The company has an A financial rating with AM Best to back up its claims.
    • Well-constructed website info. The homeowners section frontloads plenty of coverage information so you can make an informed decision without having to call an agent.


    • Limited number of states. Mercury serves only 11 states including Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia.
    • Few customer reviews. Customers share their disappointment with the Better Business Bureau because of denied claims and unexpected billing charges. But having so few reviews might not give a holistic look at customer experience.

    What info do I need to apply for home insurance?

    Keep some information close by for a smooth application process:

    • Name
    • Date of birth
    • Email
    • Phone number
    • Home address
    • Home’s age and safety features
    • Type of construction
    • Estimated replacement cost
    • Coverage and add-ons
    • Payment details

    How to apply for Mercury home insurance

    Start your home policy as soon as you talk with a local agent or insurance representative.

    • Phone. Reach a customer service representative at 866-581-6278.
    • Local agent. Enter your ZIP code in the Find an agent search box and contact the agency of your choice.

    Alternatives to Mercury

    Name Product Storm & water backup Valuable property Enhanced rebuild Homeshare coverage Available states
    Lemonade home insurance
    AZ, CA, CO, CT, DC, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI
    Enjoy straightforward pricing, transparent flat fee from this completely digital insurer.
    USAA home insurance
    All 50 states
    Enjoy great rates and wide coverage with USAA. Available to military members and family.
    Allstate home insurance
    All 50 states
    Protect your home and belongings and save even more by bundling insurance with Allstate.
    Kin home insurance
    AL, CA, FL, GA, TX
    Get coverage fast with policies designed to protect coastal homes.
    Policygenius home insurance
    All 50 states
    This online marketplace does most of the work for you, matching you with quotes from 14 highly rated home insurers.
    Liberty Mutual home insurance
    All 50 states
    Invest in affordable insurance that protects your home and your property from damage no matter where you live.

    Compare up to 4 providers

    Bottom line

    Mercury offers solid protection against damage to your home, service lines and expensive appliances. However, its narrow service area combined with low customer reviews may leave the company standing at the industry standard. To get wide protection and top service, it’s worth comparing quotes from several home insurers.

    Frequently asked questions about Mercury home insurance

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