Homeowners Insurance

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Protection starts at home

We know how important your home is to you and we want to help you make sure it's protected. A Mercury Insurance policy for your home doesn't just protect your house and property, it also protects you, your guests and your belongings. With a variety of homeowners coverage options, you can rest easy knowing your home and those who live and visit there are protected when you insure with Mercury.

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The right coverage for you

When you choose Mercury you’re not only getting one of America’s most trusted insurance providers, you’re also getting your own dedicated Mercury agent, who will work with you to create a custom plan just for you. And there are lots of other benefits in choosing Mercury.

Working with a knowledgeable agent is important when you have so many coverage choices and options. Here are a few that we offer1.

  • Dwelling Protection:
    Covers damage to your home due to fire, lightening, smoke, storm damage or other similar perils.
  • Personal Property:
    Provides coverage for your household items in the event of a fire, theft or other covered loss.
  • Extended Replacement Cost:
    Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild your home in the event you suffer a covered loss.
  • Additional Living Expenses:
    Provides coverage for living expenses if your home becomes uninhabitable as a result of a covered loss.
  • Personal Liability Protection:
    Pays for bodily injury or property damage caused to others as a result of a covered incident.
  • Guest Medical Protection:
    Pays medical expenses for your guests who are accidentally injured on your property.
  • Identity Theft Protection:
    Pays for expenses you incur as a result of criminal identity theft. Learn More About Identity Protection.
  • Additional personal property coverage for valuables, such as antiques, fine art and jewelry

To learn more about these important coverage options, visit our Homeowners 101 glossary page.

1Coverage(s) may be subject to certain restrictions and limitations and may not be available in all states. Ask your local independent agent for more information.

Uncover discounts for extra savings

Everybody loves to save money, so we also offer a variety of discounts2 that can you save even more off of Mercury’s already low rates. Take a look at these:

  • Multi-policy with our AUTO + HOME Discount
  • Protective Devices Discount (smoke alarms, deadbolts, burglar alarms etc.)
  • Fire-Resistant Construction Materials
  • Newer Home;
  • Gated Community; and
  • Selecting a higher deductible.

2Discounts may vary by state.

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What our customers are saying

Frequently Asked Questions

Am I legally required to have homeowners insurance, like states require car insurance?

Unlike auto insurance, you are not required by law to have a certain amount of coverage for your home. If you’re paying off a mortgage, however, the lender may require you to have homeowners insurance to protect the property from unexpected damage.

Your home is a large investment and you don’t want to lose any of its value to an unforeseen disaster, so it’s a good idea to protect it with homeowners insurance.

How can I lower my homeowners insurance premium?

Several factors affect how much you pay for your homeowners insurance, and these can include:

  • Installing protective devices, such as smoke alarms, fire extinguishers, burglar alarms, etc.;
  • Adjusting your protection options, like raising your deductible, adding an auto policy, or changing coverage options;  and
  • Using insurance-friendly construction materials, such as concrete or tile roofs.  

A Mercury agent can help you discover exactly what features in your home can decrease your premium, potentially saving you hundreds of dollars a year.

Does homeowners insurance cover damage from earthquakes and floods?

Unfortunately, most homeowners insurance policies don’t cover damage caused by an earthquake or a flood. You have to buy earthquake insurance and flood insurance separately. Just because these coverages aren’t included doesn’t mean they’re not important. Earthquake and flood insurance cover the cost of repairing or rebuilding your home if it’s damaged by these catastrophic events, potentially saving you hundreds of thousands of dollars. Learn more about earthquake insurance.

How much homeowners insurance coverage do I need?

The best way to find out how much coverage you may need is to conduct an appraisal. In addition to working with your Mercury agent, we recommend hiring an independent and licensed professional every several years to calculate the cost to rebuild your home with similar quality materials. Remember, this value may be different than the actual market value of your home. Once the appraisal is completed, you will have a better understanding of how much coverage is needed to protect your investment. You should also let your agent know if you plan to make any upgrades to ensure you have the proper amount of coverage in the event disaster strikes.

What is a home insurance deductible?

A deductible is the amount you agree to pay out-of-pocket for damages before your insurance policy will pay on a covered loss. If you have a $500 deductible, for example, and your home sustains $1,000 worth of covered damages, your insurer will pay $500, which is the amount that exceeded your deductible.

To learn more important homeowners terms, visit Homeowners Insurance 101: Glossary of Important Terms.