Home Insurance Tips

Homeowners insurance helps keep your house and most valuable assets protected against disaster and theft. While it’s not legally required to have homeowners insurance in any state, anyone who has a financial stake in your home — e.g., a bank or mortgage lender — will require you to have home insurance coverage. If you don't own a home, most landlords require their tenants to have renters insurance coverage. Even if it’s not mandatory, it’s a good idea to have insurance so you’ll receive reimbursement for your belongings in the case of a disaster or burglary.

No matter what type of home insurance you plan to get, many questions surround this subject. How much does homeowners insurance cost? What all does it cover? Am I fully covered if someone is injured in my home? Home insurance can also be confusing, especially when you come across terms like “actual cash value” or “inflation guard.”

Mercury is here to take the confusion out of homeowners insurance. We offer several informative articles covering home insurance tips, security advice, maintenance recommendations, and more. Explore all our home-related resources and gain a better understanding of insurance.

Workers building solar panel system on rooftop of house

Is Solar Right for You? Key Factors to Think About Before Installing

Explore the pros and cons of solar panel installation costs, potential savings, and how a home solar system may affect your insurance. Is solar right for you?

Young couple entering their rented home for a vacation

Home Sharing: Insuring Your Home or Apartment

Get the facts on vacation rental insurance, home sharing risks, and why standard homeowners policies aren’t enough for short-term rental properties.

Home owners leaving piles of damaged furniture on the street after Hurricane Milton storm surge St Petersburg Beach

What to Do After a Hurricane

Learn what to do after a hurricane has passed. From cleanup safety to recovery tips, Mercury's guide explains how to file a hurricane insurance claim quickly.

Happy young couple husband and wife using laptop computer looking at screen pay bills online in app calculate mortgage investment payment

Should I Buy a House? How to Tell If You’re Ready

Use this guide to know when to buy a house and what you’ll need, from credit and down payments to lifestyle readiness and home insurance coverage.

Asian woman working at home while vacuum cleaner and air purifier are working

Affordable Ways to Create a Healthier, Eco-Friendly Home for Under $100

Discover what an eco-friendly home is and how to create one for under $100. Get affordable tips on air, water, and cleaning upgrades from Mercury Insurance.

Repairmen, building inspectors, exterminators, engineers, insurance adjusters, or other blue collar workers examine a building/home's exterior wall and foundation.

What to Expect During Your First Home Inspection: A Guide for New Homeowners

Get prepared with this home inspection checklist! Know what inspectors look for, how long it takes, and what questions to ask with expert tips from Mercury!

A wildfire burns and smoke rises in the forest near homes on the south city border close to the Cleveland National Forest

How to Fireproof Your Home From Wildfires: What is Home Hardening?

Learn how to fire proof your home with home hardening tips, fire-resistant materials, and defensible space. Stay wildfire-ready with Mercury Insurance.

Couple, married and together with document in office for signature, paperwork or contract for insurance.

Steps for Filing a Wildfire Insurance Claim in California

Learn the steps to file a wildfire insurance claim in California. Mercury is committed to assisting policyholders affected by California wildfires. Contact us today.

Home Insurance Tips