Affordable Homeowners Insurance

Dwelling Coverage

Dwelling coverage helps pay to repair or rebuild your home if it’s damaged due to a covered loss such as a tornado, fire, or lightning storm. For example, if a fire destroys your kitchen or powerful winds knock out a couple of windows, this coverage can help cover the cost of repairing your home. Dwelling coverage also protects attached structures such as garages, porches, and awnings.

Other Structures

Other structure coverage protects your home’s detached structures such as detached garages, sheds, fences, swimming pools, trampolines, and pool houses. For instance, if severe winds knock over a tree in your backyard and destroy part of your fence, this coverage may help cover the costs of repairing your fence.

Personal Property

Your home is filled with furniture, electronics, and other items that can cost a lot of money. Personal property coverage financially protects you if your belongings get damaged, stolen, or lost in a cover peril. For example, if a pipe bursts and water damages your furniture, this coverage can pay the replacement cost. Personal property coverage can also apply to events that occur outside your home. For instance, if your bike gets stolen while locked up outside a supermarket, you may obtain financial reimbursement to replace it.

If you have rare or valuable items such as jewelry, antiques, or vintage instruments, you may need additional property coverage to help protect these belongings.

Extended Replacement Cost

If you think you need more protection from your dwelling coverage, this coverage can help expand your policy’s limit up to 150%. For example, if you have a policy limit of $200,000, this coverage can help increase it to $500,000.

Personal Liability

Personal liability coverage can help protect you if you or someone in your household is legally responsible for another person’s bodily damage or property damage. For instance, if your dog bites a visitor and they sue you, this coverage might help pay subsequent legal expenses.

Additional Living Expenses

This coverage helps pay for additional living expenses if your home becomes uninhabitable due to a covered loss. For example, if a tornado destroys your home, this coverage may help pay for hotel stays and meals while your house is being repaired or rebuilt.

Guest Medical Protection

Guest medical protection helps cover any medical expenses if someone gets injured on your property. For example, if a delivery driver trips on your steps, gets hurt, and sues you, this coverage might pay for their medical bills.

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.