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Mercury Insurance Offers New Coverages and Discounts in New Jersey

Mercury's new added protection comes with environmentally friendly perks, while discounts put hard-earned money back in the pockets of policyholders
Mercury's new discounts are a big step in the right direction and a new approach to protecting our customers. We support our policyholders in their efforts to be environmentally conscious by providing coverages and discounts that help sustain a greener lifestyle.

LOS ANGELES, April 2, 2024 /PRNewswire/ -- Mercury Insurance (NYSE: MCY) today announces three new coverages and four new discounts that are available for homeowners or renters in New Jersey. 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 and will put hard-earned money back in the pockets of policyholders.

"Mercury's new discounts are a big step in the right direction and a new approach to protecting our customers," said Andrew Morris, product manager of New Jersey at Mercury Insurance. "As a company, we pride ourselves in caring about our policyholders and aim to help them in any way possible, so offering expanded coverages and discounts is a vital part of business to us. We know that homeowners are reevaluating what's important to them, and that there is a growing demand for environmentally friendly materials throughout the home. We support our policyholders in their efforts to be environmentally conscious by providing coverages and discounts that help sustain a greener lifestyle."

New Coverages

 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 HVAC systems or appliances when replaced with an eco-friendly product. "Each day, we issue more than a million dollars to put policyholders' lives back together. At the same time, we also see materials that will take a long time to break down ending up in landfills. Mercury is committed to helping policyholders and the environment as well," Morris 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.
  • Refrigerated 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 

New discounts include:

  • Green Home: Mercury is offering up to a 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 wind and water perils.
  • Good Payer: Homeowner policyholders who have 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.
  • Paid in Full: Mercury is offering a discount of up to 10% in savings on premium for renters insurance policyholders.

Mercury offers insurance for Personal Auto, Mechanical Protection Condo, Homeowners, Home Cyber Protection, Home Systems Protection, Identity Management Services, Renters, and Service Line Protection in New Jersey.

About Mercury Insurance

Mercury Insurance (NYSE: MCY) is a multiple-line insurance carrier predominantly offering personal auto, homeowners, renters and commercial insurance through a network of independent agents in Arizona, California, Georgia, 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 ultra competitive rates with excellent customer service. Mercury has earned "A" ratings from A.M. Best and Fitch, as well as "Best Auto Insurance Company" designations from Forbes and For more information visit or follow the company on Twitter or Facebook.

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SOURCE Mercury Insurance

For further information: PCG - Shane Smith (424) 903-3665 (

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