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California Homeowners Insurance
Mercury Insurance believes every homeowner in California deserves solid protection. That's why we offer a range of options for homeowners insurance. Mercury has local agents available all across the Golden State, so we can guarantee that we'll find the right policies with your best interests in mind.
The Right Coverage for California Homeowners
When choosing Mercury, you're not only getting one of America's best homeowners insurance providers but a California home-grown company. Mercury began selling insurance in California in 1962, so we understand this great state better than any other insurance company.
Thanks to our local agents who work with you to structure your custom plan, you'll feel safe knowing we understand your specific location. A home in Joshua Tree can be exposed to temperatures reaching 105 Fahrenheit. Yet, Northern California can see temperatures as low as 25 degrees Fahrenheit. A homeowner in San Diego might not be as worried about the San Andreas fault line as much as a homeowner in Daly City. All these conditions can drastically change the structure of your home and the necessity of certain protections. That's why you should talk to a local Mercury agent who understands the risks and potential dangers around your California home.
The Public Policy Institute of California reported that of all the state’s reported property crimes in 2021, 63% were larceny thefts, 16% were burglaries, and 21% were auto thefts. We want to protect you not only from weather damage and natural disasters but also property theft. That’s why our insurance coverage offers a wide range of options. Here are a few that we offer:
Dwelling Protection
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Covers damage to your home — e.g., the foundation, walls, roof, etc. — caused by a covered peril, such as a fire, storm, or hail.
Personal Property
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Insures items in your home — e.g., electronics, furniture, clothing, etc. — so they can be replaced or repaired following a covered loss.
Extended Replacement Cost
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Gives you extra coverage up to 150% for additional costs related to rebuilding your home following a covered loss.
Additional Living Expenses
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Helps cover living expenses you incur after being displaced from your home due to a covered loss.
Personal Liability Protection
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Protects you financially if you’re liable for damages or injuries to others — in or out of your home.
Guest Medical Protection
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Helps pay for medical costs if a guest accidentally injures themselves in or around your property.
Identity Theft Protection
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Helps cover expenses you incur as a result of criminal identity theft.
For a fast, free quote, call (866) 912-9741.
Homeowners Insurance Discounts for California Residents
Mercury understands how important it is 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 homeowners insurance, the more discounts you might apply for. Here are a few of the discounts we offer:
Check out a few we offer:
- Multi-policy with our AUTO + HOME Discount
- Protective Devices Discount (smoke alarms, deadbolts, burglar alarms, etc.)
- Fire-Resistant Construction Materials
- Newer Home
- Gated Community
- Selecting a higher deductible