Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for over three years after graduating with an English Education degree. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.
What home insurance coverage does Mercury offer?
Mercury provides the necessities for keeping your home safe. Its coverage includes:
Additional living expenses
Identity theft protection
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.
What home insurance discounts can I get with Mercury?
Mercury offers simple ways to save on your premium.
Auto and home bundle
Protective devices, such as deadbolts, fire or theft alarms
Fire-resistant construction materials
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:
Date of birth
Home’s age and safety features
Type of construction
Estimated replacement cost
Coverage and add-ons
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
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
Call a Mercury claims representative at 800-503-3724. You can call 24 hours a day, seven days a week.
You can send your payment through Mercury’s online payment system, by phone at 800-503-3724 or in person at a California payment center. You can also send a check or money order to Mercury Insurance Group, P.O. Box – 11991, Santa Ana, CA 92711.
Yes, Mercury replaces your appliances with the same brand, capacity and quality. The company also gives you 50% more coverage if you want to replace them with more efficient, environmentally friendly systems.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.