California Homeowners Insurance
Mercury Home Insurance in California
From a hillside bungalow in Silverlake to a cabin in the Redwoods, Mercury Insurance believes every homeowner in California deserves solid protection. That's why Mercury Insurance offers a range of options for Homeowners Insurance. With local Mercury agents available in towns all across the Golden State, we can guarantee that we'll find the right policies with your best interests in mind.
The Right Coverage for California and You:
When choosing Mercury, you're not only getting one of America's most trusted insurance providers, but a California home-grown company. That's right, Mercury began selling insurance in California in 1962. We understand this great state's land better than any insurance company available. With local Mercury Agents who can work with you to structure your own custom plan, you'll feel safe knowing we understand that location, especially in this state.
While a home in Joshua Tree can be exposed to temperatures reaching 105 Fahrenheit, northern California can see temperatures as low as 25 degrees Fahrenheit. This can drastically change the structure of your home and the necessity of certain protections. A homeowner in San Diego might not be as worried about the San Andreas fault line as much as a homeowner in Daly City. That's why it feels good to talk to a local Mercury agent that understands the risks and potential dangers of your California home.
In 2013, the State of California Department of Justice reported over 200,000 burglaries throughout the state. At Mercury, we want to protect you from weather damages, natural disasters, theft and more, which is why our insurance coverage offers a wide range of options. Here are a few that we offer:
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.
Additional personal property coverage for valuables, such as antiques, fine art and jewelry.
California Residents Can Earn Discounts:
Mercury understands how important it can be to save every extra dollar. That's why we offer a variety of discounts for California residents. While shopping for a home, whether it be San Francisco, Santa Barbara, Los Angeles, or anywhere in this beautiful state, keep in mind that the more you prepare to protect your house before you invest in insurance, the more discounts you might apply for. Here are a few of the discounts we offer:
- Protective Devices Discount: You can receive discounts for smoke alarms, deadbolts, burglar alarms and more.
- Fire-Resistant Construction Materials.
- Newer Home.
- Gated Community; and
- Selecting a higher deductible.
- Get the Most Savings with Multi-Policies.
While looking for your California dream home, keep these features in mind; they may end up saving you a pretty penny.
Make sure you ask your local agent about our AUTO+HOME discount. You could save hundreds of dollars a year when you insure both your auto and your home with Mercury. Living in a home in California has never been easier!
Additional California Resources
California Department of Insurance: Home Insurance Information
California’s Official Website
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