Mercury Battlecard

Mercury Insurance

Phone Number(s):

Email(s):

Customer Service Hours of Operation:

Current Lines of Business/States:

Going forward any monoline home policies written with Mercury will need manager approval before binding.

Carrier Access:

Quote Bots:

Application Type:

Carrier Market:

Auto:
- Good drivers only
  - Exception: spouses and unmarried children with less than 3 years of license experience
- Acceptable MVR:
  - Up to 1 point within the previous 35 months
  - One at-fault accident with property damage
- RealDrive (Mileage verification program) should be placed on CA policies
- All household members, even young children must be listed as either a listed driver, excluded driver, or HH member
- A foreign license is acceptable
  - Surcharge removed effective first renewal after US license is obtained

The roof should be in acceptable condition and replaced in the last 25 years
The heating system should be in working condition and updated in the last 50 years
- A central heating system or thermostatically controlled electric heating system is required.
The plumbing system should be updated in the last 50 years.
- No leaks
- Plumbing must be 100% copper, PVC or Pex
The electrical system should be in working condition and updated within the last 50 years.
- Breakers required
- Electric must be 100% circuit breakers with copper-encased wiring
Can have up to 2 unrelated owners
Prior insurance is required, unless a new purchase (no lapses allowed)

Important Guidelines:

Business use should be applied to anyone who goes to different addresses for work purposes
Florida:
- Risks with any prior PIP claims require UW approval
- Excluded drivers must have their own car and insurance
- No excluded spouses
- No SR22s
New Jersey:
- PIP is primary for default
  - Proof is required if health care as primary is selected.
Virginia:
- No excluded drivers

If writing a DP3, the tenant will also need to have the HO4 with Mercury.
The following risks are unacceptable:
- Risks with 2 or more claims in the last 5 years- will require UW approval
- Mobile/ manufactured homes
- Protection class 10 or 10 W ineligible
- No galvanized pipes
- Dwellings that are for sale, vacant in the course of construction, or under renovation
- Dwellings with short-term rental exposure
- Log homes
- Located less than ½ mile of sea, bay, tidal water, or sound
- Underground oil tanks
- Risks owned by LLC, corporation, or corporate trust
- Commonly restricted dog breeds
  - Including mixed breeds
- Zoo animals and exotic animals are not eligible
The following will require binding approval:
- Homes built before 1940
- Dwellings on the state or national historic home registry
- Risks with 2 or more claims in the last 5 years
- Homes with Coverage A greeted than $1 million

Inspections:
- All homes are subject to an inspection
  - Done via Flyreel- DIY inspection app that allows the insured to complete it independently

Additional Resources:

https://transcendac.mercuryinsurance.com/pc/PolicyCenter.do
- You can view all manuals, forms, and guidelines for each line of business and state by clicking the link above and selecting the line of business, state, and reference type.