Homeowners Insurance in Los Angeles and throughout California
Your home is more than an asset—it’s your lifestyle, your security, your sanctuary. At SmartPath Insurance Services, we offer Mercury homeowners insurance policies designed for California homeowners. Whether you own a single-family home in El Segundo, a condo in downtown L.A., or a multi-unit property, we’ll help you find the right Mercury plan and tailor it to your unique needs.
To get started, submit your contact info or start a quote on our SmartPath Insurance Mercury Page today!
Why Choose Mercury Homeowners Insurance?
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Strong California presence: Mercury understands regional risks: earthquakes (via endorsements), wildfires, coastal exposures, condo risks.
- Mercury has expanded homeowners availability in several zip codes throughout the state, giving access even to those in hard to insure areas.
- High Dwelling coverage availability: Up to $3,000,000 Dwelling coverage plus up to 50% Extended Replacement Cost.
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Bundle with Auto and Umbrella to maximize your discounts and savings.
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Flexible policy formats: HO-3, HO-5, condo/HO-6, dwelling-fire, rental coverage.
- Additional Discounts: Save more with home safety discounts including sprinklers, burglar alarm, fire alarm, and automatic water shutoff devices installed.
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Value-added features: Optional extended replacement cost from +25%-50%, building code upgrade endorsements, personal property protection, liability coverage.
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Independent agency advantage: At SmartPath we assess multiple carriers but often find Mercury provides excellent terms, especially for standard homes in L.A., Orange County and Riverside County.
Mercury Homeowners Insurance Coverage Highlights
Our homeowners insurance options include:
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Dwelling coverage: Protects the structure of your home from fire, smoke, windstorms, hail, vandalism and theft.
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Other structures: Sheds, fences, detached garages, guest houses, and in-ground pools.
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Personal property: Your belongings—furniture, electronics, jewelry (with endorsement for high-value items).
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Loss of use: Pays for hotel or Air BnB expenses if your home becomes uninhabitable after a covered loss.
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Personal liability & medical payments: Protects you if someone is injured on your property.
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Optional endorsements: Earthquake, flood (note: separate policy often required), builder’s risk, umbrella liability.
Why Choose SmartPath in Los Angeles
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Local knowledge: We understand L.A. zoning, coastal structures, contractor rebuild costs, wildfire and earthquake exposures.
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Carrier expertise: With over 40 carriers, we know when Mercury offers best fit and when an alternative is better.
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Transparent service: Clear breakdowns of coverages, no jargon, bilingual support, responsive team.
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Community-based: Based in El Segundo, serving the greater L.A and Orange Counties., friendly local contact rather than remote call center.
Proudly Serving Los Angeles and All of California
From the South Bay, Downtown LA, Orange County to Santa Monica and beyond, our dedicated team is committed to providing top-notch auto insurance services tailored to the California lifestyle.
Request Your Mercury Auto Insurance Quote Now!
Get your Mercury Homeowners insurance quote today. Fill out our simple form or call us at 310-751-5979. SmartPath Insurance Services is your trusted partner in L.A. insurance.
Choose SmartPath Insurance—your trusted partner for homeowners insurance in California and Los Angeles.