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Mercury Insurance Offers New Coverages and Discounts to Arizona Homeowners

Mercury's new added protection comes with environmentally-friendly perks, while discounts put hard-earned money back in the pockets of policyholders

LOS ANGELES, Nov. 19, 2021 /PRNewswire/ -- Mercury Insurance (NYSE: MCY) today announces five new coverages and three new discounts available for homeowners in Arizona. Mercury's new coverages provide additional insurance protections with an option for environmentally-friendly replacement products. Discounts are available for homeowners already taking eco-friendly measures while also putting hard-earned money back in the pockets of policyholders.

"Mercury's new coverages and discounts take a different approach to protecting our customers," said Mingqian Dai, Mercury Insurance Product Manager Assistant for Arizona. "Homeowners have been reevaluating what's important to them and how a home is built and the eco-friendly products they want in it continues to come up. Many might be surprised that insurance can be green, but if we can help the environment while we help policyholders it's a win-win."

New coverages include:

  • Green Home: Mercury will cover up to an additional 10% of the replacement costs for environmentally-friendly alternatives or construction methods with a covered loss. For example, if a homeowner with this additional coverage has damaged carpeting and selects an eco-friendly replacement, Mercury would issue funds up to 10% more than the costs to replace the carpeting so the homeowner can go with the green flooring option. The protection also extends to personal property such as an HVAC or appliances when replaced with an eco-friendly product. "Each day we issue more than a million dollars to put policyholder's lives back together and at the same time, we see materials that will take a long-time to breakdown go off to landfills. Mercury is going to continue to help policyholders and if we get the chance to, the environment as well," Mingqian said.    
  • Matching of Undamaged Siding and Roofing: Many times, roofing or siding repair is limited to a damaged area of the home, and with time the older existing and non-damaged material will fade or the roofing or siding is no longer available. In the past, homeowners could end up with roofing or siding that does not match. Today, Mercury is providing two additional coverages—siding or roofing—that allow the undamaged portions to be replaced as well when there is a mismatch.  
  • Limited Hidden Water, Steam Seepage or Leakage: Water claims are one of the most common claims that can lead to costly repairs along with many inconveniences for homeowners. In some instances, a water leak may be hidden from the homeowner within a wall or ceiling and go on for weeks or months and only be found when a wall is opened up. To better protect homeowners from water damages that are hidden, Mercury is offering coverage that would apply to the resulting damages in these instances.  
  • Refrigerator Products: During the pandemic, many homeowners spent hundreds of dollars stocking their refrigerators from top to bottom. Mercury's new protection covers up to $1,000 of food items if there's a loss of power or a mechanical failure of a refrigerator resulting in spoiled food.

New discounts include:

  • Green Home: Mercury is offering up to 5% discount for all perils if the home has a Green certification by the U.S. Green Building Council LEED rating system or meets the requirements of the National Association of Home Builders Green Building Guidelines (NAHB).
  • Updated Home: Mature homes, more than 20 years old, with permitted renovations, such as HVAC replacement, re-roofing, remodeling or a new addition, during the last 10 years are eligible for up to a 10% discount on the wind and water perils.
  • Good Payer: Homeowner policyholders who've paid on time for the past 36 months are eligible for the Good Payer Discount, which saves 2% on the policy. Both new business and existing policyholders are eligible for the discount.

Mercury offers insurance for Personal Auto, Mechanical Protection, Ride-Hailing, Condo, Homeowners, Home Cyber Protection, Home Systems Protection, Identity Management Services, Renters, Service Line Protection and Business Auto in Arizona.  

About Mercury Insurance
Mercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners and renters insurance through a network of independent agents in Arizona, California, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia, as well as auto insurance in Florida. Mercury writes other lines of insurance in various states, including commercial, business owners and business auto, landlord, home-sharing, ride-hailing and mechanical protection insurance.

Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultracompetitive rates with excellent customer service. Mercury has earned "A" ratings from A.M. Best and Fitch, as well as ranking highest in the J.D. Power 2021 U.S. Insurance Digital Experience Study,SM recognized as one of the "Best Insurance Company in America for 2022" by Forbes and four consecutive "Best Auto Insurance Company" awards from For more information visit or follow the company on Twitter or Facebook.

SOURCE Mercury Insurance

For further information: PCG, Kyle Reuter, (310) 936-5566, (

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