Mercury Insurance Agent in Yuba City, CA
Oakview Insurance Services is an independent agency in Yuba City appointed with Mercury Insurance, a carrier founded in Los Angeles in 1962. We write Mercury car, home, condo, renters, and business coverage for California clients, and Mercury is taking new business through our office, subject to underwriting.
Mariah Davis founded Oakview in her hometown of Yuba City in 2010.
- AM Best A (Excellent)
- Car, Home, and Business
- 850+ Five-Star Google Reviews
- Mercury Top 1% Agency, 2025
- Local Yuba City Office
A California Carrier Since 1962
George Joseph founded Mercury in Los Angeles on April 1, 1962, and Mercury wrote its first homeowners policy in 1972. California is still its home state. On February 24, 2026, AM Best affirmed the Financial Strength Rating of A (Excellent) for the Mercury Casualty Group companies and revised the outlook to stable from negative.
In December 2025, the California Department of Insurance approved Mercury's homeowners rate filing, the first it received under the state's Sustainable Insurance Strategy. As part of that approval, Mercury committed to growing its California homeowners policy count by more than 38,000 over the long term, beginning with more than 6,000 over the next two years, particularly in wildfire-distressed areas and through policies moved off the state's last-resort program. That commitment is not a promise for any one property, ZIP code, or wildfire exposure; each home remains subject to underwriting and eligibility requirements. Location, construction, condition, wildfire mitigation, and loss history all shape the decision, so availability varies by property and location.
Mercury Coverage Through Oakview
Mercury's agent directory lists our office for car, home, condo, renters, business, and business auto insurance, and Oakview writes all six in California. Coverage is subject to Mercury underwriting, policy terms, limits, and exclusions.
Lead Program
Car Insurance
Mercury started in Los Angeles in 1962 as a car insurance company. Oakview writes Mercury car insurance for drivers and households across the Sacramento Valley, and we can review it with your home, condo, or renters policy at the same time. See our auto insurance page.
Home, Condo, and Renters
Homeowners coverage for houses, plus condo and renters policies for unit owners and tenants. Mercury is taking new homeowners business through Oakview, subject to underwriting, and availability varies by property and location. See our homeowners insurance page.
- Homeowners
- Condo
- Renters
Business and Business Auto
Mercury introduced its Small Business Insurance program for California businesses in December 2021, written on a businessowners policy that combines property and liability coverage for eligible businesses, subject to underwriting. Business auto covers the vehicles you use for work. More on our commercial insurance and commercial auto pages.
- Businessowners
- Business Auto
Wildfire, Flood, and Earthquake in the Valley
Wildfire and the Foothills
Homes toward the Sierra foothills and in Butte County are often harder to place than homes on the valley floor. Mercury's December 2025 commitment to the state includes growth in wildfire-distressed areas, but each home is still underwritten on its own. Mitigation such as ember-resistant vents, a Class A roof, and defensible space helps a submission, but it does not by itself guarantee eligibility or a discount. Our high fire area insurance page covers other options.
Flood and the Levees
Standard homeowners policies generally do not cover flood damage. Much of Yuba City, Marysville, Plumas Lake, and Linda sits behind levees along the Feather and Yuba Rivers, and flood risk varies from one property to the next. Oakview writes flood coverage as a separate policy, and we can quote it alongside your Mercury home policy.
Earthquake
Standard California homeowners policies generally exclude earthquake damage. Earthquake protection is available through separate policies or eligible endorsements. Ask us to check current options and eligibility for your home.
Mercury Policies and Who They Fit
| Coverage | Who it's for |
|---|---|
| Car | Drivers and households, including those combining auto with a Mercury home, condo, or renters policy |
| Homeowners | Owner-occupied homes, subject to underwriting; availability varies by property and location |
| Condo | Condo unit owners |
| Renters | Tenants who want coverage for their belongings and personal liability |
| Businessowners | Eligible California small businesses that need property and liability coverage together, subject to underwriting |
| Business Auto | Businesses with vehicles used for work |
Coverage is subject to Mercury underwriting, policy terms, limits, and exclusions.
Why Work With Oakview on Mercury
Mercury works with independent agencies like ours, so the agent who writes your policy is a local office that reviews it with you at renewal. In 2025, Mercury recognized Oakview among the top 1% of its agencies.
Mercury is one of more than 100 A-rated carriers we can access, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets. If Mercury is not the right fit for your car, home, or business, we can quote the other carriers we can access in the same conversation.
Our team is 20 dedicated insurance professionals. Two of our personal lines agents speak Spanish and can help with business and farm policies too. We have earned 850+ five-star Google reviews, and Oakview was voted Best Insurance Agency, Best Agent, and Best Customer Service in the Appeal-Democrat's Best of Yuba-Sutter-Colusa readers' poll, multiple years. Read our reviews on Google, or call us at (530) 674-5054.
Where We Write Mercury Coverage
We work with clients throughout California, with a focus on Northern California and the communities below.
Our Office
Oakview Insurance Services, Inc.
1670 Sierra Ave Ste 303, Yuba City, CA 95993
(530) 674-5054 · info@oakviewins.com
Oakview is licensed in California, Oregon, Washington, Nevada, Idaho, and Arizona.
Yuba-Sutter
Our home base: Yuba City, Marysville, Linda, Plumas Lake, Live Oak, and Wheatland, along with Sutter, Meridian, and Loma Rica.
Butte and Colusa Counties
North of the office we serve Chico, Oroville, and Gridley in Butte County, and Colusa and Williams to the west.
Greater Sacramento
To the south we work with clients in North Natomas, Sacramento, Roseville, Rocklin, Lincoln, and Woodland.
Mercury Insurance Questions, Answered
Is Oakview an appointed Mercury agent?
Yes. Oakview Insurance Services is an independent agency appointed with Mercury Insurance, and our Yuba City office has a listing in Mercury's agent directory. We are a local independent agency that can quote and service Mercury policies, not a Mercury employee or a captive agent.
What is Mercury's AM Best rating?
The Mercury Casualty Group companies hold a Financial Strength Rating of A (Excellent) and a Long-Term Issuer Credit Rating of a (Excellent) from AM Best. On February 24, 2026, AM Best affirmed both and revised the outlooks to stable from negative. Ratings can change, so check AM Best for the current rating.
Is Mercury still writing homeowners insurance in California?
Yes. In December 2025, the California Department of Insurance approved Mercury's homeowners rate filing, the first it received under the Sustainable Insurance Strategy. Mercury committed to growing its California homeowners policy count by more than 38,000 over the long term, beginning with more than 6,000 over the next two years, particularly in wildfire-distressed areas and through policies moved off the state's last-resort program. Mercury is taking new homeowners business through Oakview, subject to underwriting, and availability varies by property and location.
What does Oakview write with Mercury?
Car, homeowners, condo, renters, businessowners, and business auto insurance for California clients. Those are the six lines Mercury's agent directory lists for our office.
Does Mercury insure small businesses?
Yes. Mercury's agent directory lists our office for business and business auto insurance. Mercury introduced its Small Business Insurance program for California businesses in December 2021, written on a businessowners policy that combines property and liability coverage for eligible businesses. Current program terms and eligibility are set by Mercury's underwriting. We can compare it with the other carriers we can access.
Does a Mercury homeowners policy cover flood or earthquake?
Standard homeowners policies generally do not cover flood damage, and standard California homeowners policies generally exclude earthquake damage. Earthquake protection is available through separate policies or eligible endorsements. Oakview writes flood as a separate policy, and we can check earthquake options for your home.
How do I get a Mercury quote in California?
You can fill out our online quote form or call (530) 674-5054. You can start the request before every document is ready, and we will tell you what Mercury needs to finish the quote.
How do I report a Mercury claim?
Existing Mercury policyholders can find Mercury's claims and billing contacts on our carriers page. If a claim gets complicated, call our office at (530) 674-5054 and we will help you work through it with Mercury.
Why work with Oakview instead of going to Mercury directly?
With Oakview, your Mercury agent is a local office that reviews your policy with you at renewal and can quote the other carriers we can access in the same conversation. If Mercury is not the best fit for your car, home, or business, we will tell you and show you what is.
Does Oakview serve Mercury clients outside Yuba City?
Yes. We write Mercury coverage for clients throughout California, with a focus on Yuba-Sutter, Butte and Colusa Counties, and greater Sacramento.
Talk to a Local Mercury Agent
Tell us about your car, home, or business, and we will check whether Mercury is a fit. If another carrier fits better, we will tell you that too.
Oakview Insurance Services, Inc. | 1670 Sierra Ave Ste 303, Yuba City CA 95993 | CA License #0L91635 | (530) 674-5054 | info@oakviewins.com | Licensed in CA, OR, WA, NV, ID, AZ | Mercury Insurance® is a registered trademark of Mercury Insurance Services, LLC. Oakview Insurance Services is an independent insurance agency appointed with Mercury Insurance and is not owned or operated by Mercury Insurance. Coverage is subject to carrier underwriting guidelines and availability. This page is for informational purposes only and is not a commitment to insure.