Affordable Homeowners Insurance

Dwelling Coverage

Dwelling coverage helps pay the expenses to repair or rebuild your home caused by a covered peril such as a fire, tornado, and windstorm. For example, if severe winds break multiple windows, this coverage may help cover the costs of replacing them. Dwelling coverage also protects attached structures like garages, porches, and awnings.

Other Structures

Other Structures coverage helps protect your property's detached structures, such as swimming pools, detached garages, sheds, and trampolines. For instance, if a storm damages your backyard fence, this coverage may help pay for the repairs.

Personal Property

Personal property coverage helps protect the belongings in your home following a covered loss. For example, if your TV gets damaged in a fire, this coverage may help provide reimbursement for your property. Personal property coverage also applies to events outside of your home. For instance, if your computer gets stolen while working at a coffee shop, this coverage might help cover the costs of replacing your computer.

For your valuable or rare collectibles such as jewelry, antiques, or vintage instruments, consider getting additional personal property coverage to help protect these belongings.

Extended Replacement Cost

Extended replacement cost expands your dwelling coverage, giving you extra financial protection if rebuilding costs exceed your current dwelling coverage limit. When you choose Mercury for your homeowners insurance, you can receive up to 150% of additional coverage to help rebuild your home. This means that if you have a policy limit of $150,000, it could increase to $350,000.

Personal Liability

Personal liability coverage helps pay claims of bodily injury or property damage if you or someone in your household is held legally responsible. For example, if your pet bites one of your neighbors and they sue you, this coverage might pay for subsequent legal expenses.

Additional Living Expenses

This type of coverage can help pay for temporary living expenses if your home becomes uninhabitable due to a covered loss. For example, if a tornado damages part of your Oklahoma City home, this coverage may help provide financial support for lodging and meals.

Guest Medical Protection

Guest medical protection coverage helps cover any medical bills if someone gets injured on your property. For instance, if a guest trips down your stairs, breaks their leg, and sues you, this coverage may help pay their medical expenses.

Identity Theft Protection

This add-on coverage helps cover lost incomes and legal fees if you fall victim to identity theft. When you choose Mercury, you can protect your identity for less than $3 a month.