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Mercury Home Insurance Review (2022)

Mercury Insurance Group has been offering homeowners insurance to residents in 11 states for more than 60 years. Keep reading to learn what a Mercury insurance policy looks like and how much it costs.

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In This Review: Pros & Cons | Coverage | Additional Coverage | Cost | Discounts | Customer Service | Customer Reviews | Alternatives | FAQs

Mercury Insurance Group offers homeowners insurance to 11 states across the nation. This insurance includes coverage for liability, medical payments to others, dwelling, other structures, personal property, and loss of use for less than $100 per month.

Take a look at this in-depth review of Mercury home insurance to see if it’s the best home insurance provider for you.

Pros and Cons Mercury Home Insurance

✔ Offers a unique discount for having a system that detects water leaks
✔ Has over 60 years of industry experience
✔ Policies cost less than the national average of $101 per month

✘ Only available in AZ, CA, FL, GA, IL, NJ, NV, NY, OK, TX, and VA
✘ Doesn’t provide 24/7 customer service

Mercury Home Insurance Coverage

Here are a few events covered under a Mercury home insurance policy:

  • Fire
  • Lightning
  • Wind
  • Vandalism
  • Theft
  • Smoke

Your Mercury home insurance policy will come with these areas of coverage:

  • Dwelling: This type of insurance coverage protects the built-in parts of your home, like the foundation, walls, and cabinetry. If an event were to destroy your home, Mercury would pay to rebuild it with these parts.
  • Other Structures: This part of the policy covers detached structures on your property, like a fence or shed. Similar to dwelling coverage, this coverage will pay to rebuild those structures.
  • Personal Property: If an event damages your personal belongings, your policy will cover the cost to replace them.
  • Loss of use/additional living expenses: If you have to temporarily live elsewhere while your home is being repaired, Mercury will cover the costs incurred during that time. This may include the cost of a hotel room or the cost of eating out for every meal.
  • Liability: If you cause bodily injury or property damage to another person, your policy will pay the medical bills or repair and replacement costs.
  • Medical payments to other: If a guest is injured in your home, Mercury will pay a certain amount of his or her medical bills.

Depending on where you live and your independent agent, your policy may include coverage for credit card forgery and ordinance or law at no additional cost.

Note: Talk to an independent agent in your state to learn about your coverage options for medical payments to others and personal liability.

Learn More: What does Homeowners Insurance Cover?

Mercury Additional Coverage

If you want to add more protection to your policy, here are the endorsement options advertised on Mercury’s website:

  • Extended replacement cost
  • Service line protection
  • Home systems protection
  • Home cyber protection
  • Identity management services

How Much Does Mercury Home Insurance Cost?

Mercury determines how much your insurance premiums are by asking questions about you and your home. Some of these questions may include how many insurance claims you’ve filed in the past or what type of roofing material you have.

Our team talked to a Mercury insurance agent in Virginia and answered these questions to give you an idea of how much a Mercury policy costs.

Mercury Cost Breakdown

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $313,000
Other structures $31,300
Personal property $220,000
Loss of use $93,900
Liability $300,000
Medical payments to others $1,000
Deductible $1,000 for all other perils, $3,130 for hurricanes
Monthly cost $89.74

Mercury Home Insurance Discounts

You can lower the cost of your Mercury premium with these insurance discounts:

  • New home
  • Multiple policy
  • Fire protective devices
  • Theft protective devices
  • Water leak detection systems
  • Loss free

Learn More: How to Lower the Cost of Your Home Insurance

Customer Service and Claims Support

For general customer service questions, you can call 866-673-4606 during regular business hours. To file a claim or check the status of an existing claim, you can call 800-503-3724 at any time.

If you would prefer to manage your policy and claims yourself, you can log in to the customer portal on the Mercury website.

Mercury Home Insurance Customer Reviews

Mercury Insurance Group has a B- rating from the Better Business Bureau (BBB).

Here’s a sampling of Mercury customer reviews:

“I had my insurance with this company for more than a year and I had realized that I have been charged way too much for their service” — Christian F. 03/04/2022

“I’ve had mercury insurance for about two years on my cars and my house. No claims and no contact at all until a few weeks ago when I received a letter from them stating they are terminating my home insurance due to unverifiable dog breed. There was no contact to verify anything and I have two dogs, one is a 20 lb maltese poodle and the other is a 40 lb mutt mix. I’d say disappointed is a nice way to describe how I’m feeling and I’m definitely going to terminate my car insurance and take my business elsewhere.” — Joshua P. 04/23/2021

Comparing Mercury Home Insurance to the Competition

Compare Mercury to the Competition

Provider Best For JD Power AM Best
Provider Best For JD Power AM Best
Lemonade Overall N/A N/A
Liberty Mutual Discounts 806/1000 A
Allstate Coverage Options 829/1000 A+
Travelers Experience 800/1000 A++
Amica Customer Service 854/1000 A+
State Farm Endorsements 835/1000 A++
USAA Membership Perks 882/1000 A++
Farmers Customizable Coverage 820/1000 A
Mercury - 780/1000 A

Our Conclusion

Mercury offers affordable home insurance with dwelling, other structures, personal property, loss of use, medical payments to others, and liability coverage. This company also has over 60 years of experience.

However, Mercury is only available in 11 states and has a limited number of endorsement options. The company also doesn’t have a mobile app or online chat, which would allow customers to handle their policies themselves without talking to a company representative.

Before deciding if Mercury is the right fit for your home, use the tool below to get insurance quotes from other providers in your area.

Company Information

  • Company name: Mercury Insurance Group
  • CEO: Gabriel Tirador
  • Year Founded: 1960
  • State availability: 11
  • Address: 4484 Wilshire Boulevard
  • City/State: Los Angeles, CA
  • Zip Code: 90010
  • BBB Rating: B-

Frequently Asked Questions About Mercury Home Insurance

Can I buy other insurance products from Mercury?

Yes. Though Mercury started as a car insurance provider, the company now offers home, renters, condo, auto, umbrella, landlord, and business insurance policies.

Does Mercury homeowners insurance protect against flooding and earthquakes?

Like most other insurance companies, Mercury doesn’t offer coverage for floods and earthquakes in its home insurance policies. However, the independent agent that sold you your home insurance policy can sell you a separate policy for natural disaster protection.

Learn More: Is Earthquake Insurance Worth It?

Is Mercury an underwriting company?

Yes. Other insurance companies may sell Mercury home insurance policies if they don’t have their own policies. When this happens, Mercury would be considered the underwriting company.

How does Mercury home insurance work?

If you live in one of the 11 covered states, you can purchase a home insurance policy from one of the 7,000 independent agents that sell the company’s policies. You can find these agents by typing your zip code into the search bar on the Mercury insurance homepage.

Your policy will begin on the start date you selected. If you have any questions about your policy, you can either call your independent agent or Mercury’s customer service line. If you ever need to file a claim, you should do so by calling Mercury’s claims center or using your customer portal. If your claim is approved, an agent will walk you through the rest of the claims process.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

The This Old House Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability.

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