Mercury Insurance was established with the mission of providing quality coverage at competitive rates, offering auto, home, renters and business insurance policies at reasonable rates. They specialize in business owners policies as well as liability policies to cover your needs.
They offer all standard car insurance coverage types as well as roadside assistance and rental car reimbursement, along with mechanical breakdown protection that helps offset costs associated with repairs or replacement.
Auto
Mercury provides all standard auto insurance policies as well as rental car reimbursement and roadside assistance services, with drivers with clean driving records often qualifying for its Safer Drive discount and those who utilize app-based rideshare services such as Lyft or Uber saving money through Mercury’s RealDrive program.
Mercury Home Insurance’s homeowners policy goes beyond basic coverage with special add-ons like home systems protection for electronics and appliances; service line protection to cover costs when exterior or underground utility lines fail; identity management services that help pay expenses related to unauthorised charges on credit cards, legal fees or lost wages; as well as an extended replacement cost personal property endorsement that could cover up to 150% of your policy limits for items damaged beyond repair.
Policyholders of Mercury insurance now have access to their account through a mobile app that enables them to easily manage all their policies in one location. With high ratings on Apple App Store and Google Play stores and biometric login, keeping track of documents, payments and information is made easy.
Home
Mercury homeowners insurance policies are available throughout Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, Oklahoma Texas Virginia. It includes coverage for dwelling, personal property, loss of use coverage and liability protection.
Mercury can offer some additional perks to help save you money on homeowners insurance premiums, including qualifying fire protective devices or theft deterrents such as alarm systems or deadbolt locks that could qualify for discounts. Furthermore, bundling home and auto policies with Mercury could save an average of 13%.
Mercury home, condo and renters policies also allow you to add optional coverages that protect you against expensive repairs and identity theft. Home Systems Protection helps pay to fix or replace appliances and electronics if they break down; other structures coverage protects structures on your property that aren’t attached directly to your house like fences and sheds; personal property and valuables coverage covers belongings if they are stolen; while personal property and valuables coverage provides further safeguards.
Renters
Mercury Insurance can tailor a renters policy specifically tailored to you, whether that means living in an urban apartment complex in Manhattan or a rustic cabin in upstate New York. Their policies cover your personal belongings as well as liability protection in case anything should occur with your rental property.
Mercury Insurance renters policies typically offer protection in three areas: personal property coverage, liability coverage and additional living expenses coverage. Personal property coverage provides protection for your belongings in case they’re stolen or damaged; while liability coverage pays legal fees incurred if someone gets hurt on your rented property. Additional living expenses coverage provides financial aid if forced out due to an unforeseen circumstance and helps cover temporary housing costs.
Add additional coverage options to your Mercury renters insurance to meet the specific needs of you and your household, such as identity theft protection that helps safeguard and restore credit if it is stolen; as well as pet liability coverage to help cover expenses related to injuries caused by pets.
Business
Mercury provides an extensive range of insurance products and services, such as auto, home and renters policies as well as business policies. Mercury also offers various discounts and coverage options, such as an optional umbrella policy to cover liabilities that exceed standard policy limits.
A robust website and mobile app of this insurance provider enable customers to easily access digital ID cards, pay bills and reach customer service. In addition, its primary auto insurance app lets customers monitor driving habits to earn discounts at renewal time.
Mercury may be the right car insurance company for you depending on several factors, including your age, driving record and claims history. Rates may also depend on where you live or the safety features of your vehicle; furthermore WalletHub takes into account independent ratings from third-party companies like AM Best (assessing financial strength and creditworthiness of insurers); J.D Power ( measuring customer satisfaction); and the National Association of Insurance Commissioners (monitoring complaints trends for different insurers).
Umbrella
Mercury Insurance now offers umbrella coverage to help safeguard against liability claims that exceed standard auto and home policy limits, offering them in Arizona after successful launches in California, Texas and Oklahoma.
Mercury-branded mobile apps make it easy and accessible for policyholders to file claims, review insurance options, make payments from anywhere and gain quick and easy access to customer service agents via live chat, phone call or email.
Customers who have reviewed Mercury on Trustpilot generally give it high marks for its prompt and fair handling of car accident or other claim claims; however, some users note their premiums can be expensive.
Mercury homeowners insurance offers various coverage options, such as home systems protection, additional dwelling coverage and identity management services. Homeowners may also add service line coverage – which provides payment to repair underground utilities damaged or destroyed in a natural disaster – such as water and sewer lines, gas cables and electrical wires.