What’s Covered by Mercury Home Insurance?
If you’re in the market for a home insurance policy that includes a wealth of features as part of its standard options, you might love what Mercury has to offer. Policyholders can enjoy the following as a part of their base policy without having to pay for additional features:
Dwelling protection for your home, fences, and sheds
Personal property coverage for your belongings
Extended replacement cost to help rebuild your home
Additional living expenses in the event your home is uninhabitable
Personal liability protection safeguards you in the event someone is hurt on your property
Guest medical coverage offers additional protection for injuries
Identity theft protection pays toward any expenses incurred as a result of criminal activity
You can also opt for extra personal property coverage if you have items of high value, including art or jewelry. Those concerned about personal injury protection can explore higher limits on this type of coverage, and in general, it’s recommended that you speak with your agent to determine the appropriate options for your needs. Any homeowners policy can also include these additional coverages:
Home systems protection that covers your appliances
Identity management services which offer extra support in the case of identity theft
Home cyber protection for your personal data
Service line coverage in the event of a sewer issue
Umbrella insurance for high-value property
How Does Mercury’s Claims Process Work?
If you’ve experienced a covered loss and need to begin a home insurance claim, contact Mercury right away by calling 1 (800) 503-3724. Representatives are available 24 hours a day, 7 days a week, and can help you step by step through the claims process. When you call, make sure to have the following information available:
Your policy number
The date, time, and location of the event
A detailed description of the damage
If a police report was taken, the report number and the name of the police department
Depending on the details of your claim, you may submit photos of the damage with no inspection. Some cases will require an inspector to visit your property. Mercury works to process all claims as efficiently as possible and you can always contact your claims representative for updates along the way.
After your claim is approved, you’ll be sent reimbursement minus your deductible and up to your coverage limits.