Yuba City’s Appointed Mercury Insurance Agent: Local Service, Award-Winning Results
When you search for a Mercury Insurance agent in Yuba City, you want someone who picks up the phone, knows your name, and has your back when something goes wrong. That is what Oakview Insurance Services has delivered to Yuba City, Marysville, Live Oak, Gridley, and families throughout Yuba, Sutter, Butte, and Colusa counties since 2006 — backed by over 800 five-star Google reviews from your neighbors and a Gold Service Excellence Award from Mercury that only seven agencies in all of California have earned.
We are not a call center, and we are not a website that spits out a quote and disappears. We are a local office at 1670 Sierra Ave, staffed by people who live and work in this community. When you have a claim, a question, or a coverage gap, you call us and we handle it.
Why Yuba City Families and Businesses Choose Mercury Through Oakview
Mercury Insurance has been built specifically for California since 1962. They hold an A (Excellent) financial strength rating from AM Best, offer a lifetime repair guarantee through their authorized shop network, and provide 24/7 claims service online and by phone. For Yuba City drivers and homeowners, that means competitive rates backed by a carrier that actually pays claims.
As your appointed Mercury agent, Oakview does the work for you. We review your current policy, identify coverage gaps, apply every discount you qualify for, and compare Mercury against our other carriers so you know you are getting the best available rate, not just a policy pushed out the door.
Mercury Insurance Coverage for Yuba City Residents
Auto Insurance
Mercury auto coverage protects Yuba City drivers against accidents, theft, uninsured motorists, and more. We write liability, collision, comprehensive, medical payments, and roadside assistance. If you drive for Uber or Lyft, Mercury’s rideshare add-on closes the coverage gap during Period 1 that most personal policies leave open.
Homeowners Insurance
Yuba City homeowners face a specific set of risks that make carrier selection matter more here than in many California markets. Wildfire exposure in Butte and Yuba counties, the hard insurance market that has pushed many carriers out of California, and Feather River flood history all factor into what coverage you need and who will actually write it.
Mercury remains active in Yuba City and continues to write homeowners policies in this market. Their policies cover your dwelling, personal property, liability, and additional living expenses. Extended replacement cost is available. Mercury also partnered with Tokio Marine America in 2024 to assist California homeowners who have been non-renewed by other carriers — ask us about eligibility if you have recently lost coverage.
One important note: standard homeowners policies including Mercury’s do not cover flood damage. Given Yuba City’s flood zone history, Oakview recommends pairing your Mercury homeowners policy with a separate flood policy through NFIP or a private flood carrier. We write both. Bundling your Mercury home and auto also qualifies for a multi-policy discount of up to 15%.
Renters Insurance
Yuba City and Marysville both have active rental markets, and many landlords throughout the area now require proof of renters insurance before signing a lease. Mercury renters insurance protects your personal belongings against theft, fire, and other covered losses, covers your liability if someone is injured in your unit, and pays additional living expenses if your rental becomes uninhabitable due to a covered event.
Most renters policies run less than people expect — often less than a dollar a day — and take about five minutes to add when you are quoting auto. If your landlord has asked you to carry renters insurance or you want to know what it would cost for your Yuba City or Marysville rental, call us at (530) 674-5054 or start a quote online.
Landlord and Apartment Owners Insurance
Mercury specializes in dwelling fire and apartment owners coverage, a strong fit for Yuba-Sutter landlords with single-family rentals or multi-unit properties. Whether you own a single-family rental in Yuba City or a multi-unit property in Marysville, Mercury’s landlord policies cover the structure, your liability as a property owner, and loss of rental income. If you own rental property in the area, this is worth a conversation.
Business Insurance
Mercury’s Business Owners Policy bundles commercial property and general liability into one affordable package, practical coverage for Yuba City contractors, retail shops, and service businesses. We also write commercial auto for business vehicles and fleets.
Umbrella Insurance
An umbrella policy adds a layer of liability protection beyond your auto or home limits. For Yuba City families with assets to protect, it is one of the most cost-effective coverage decisions you can make.
Mercury Discounts Available to Yuba City Policyholders
Mercury offers some of the most competitive discounts in California. Here is what we commonly apply for Yuba City clients:
- Good driver discount for a clean record, accident-free and ticket-free for 3 or more years
- Multi-policy discount for bundling auto with home, renters, or condo, up to 15% savings
- Good student discount for full-time students maintaining a B average or better
- Homeowner discount applied to your auto policy if you own your home
- Anti-theft device discount for vehicles with approved security systems
- Affinity group discounts for members of AAA, Costco, Sam’s Club, and CalCPA
- Protective device discounts on home policies for alarms, deadbolts, and smoke detectors
- Fire-resistant construction discount for qualifying Yuba City and Yuba County homes
- RealDrive pay-per-mile savings for low-mileage drivers, up to 20% off
Eligibility depends on your specific situation. When you work with Oakview, we run through every available discount before we finalize your quote.
Frequently Asked Questions About Mercury Insurance in Yuba City
Is Oakview Insurance an authorized Mercury agent in Yuba City?
Yes. Oakview Insurance Services, Inc. (CA License #0L91635) is an authorized, appointed Mercury Insurance agent located in Yuba City at 1670 Sierra Ave, Ste 303. We can quote, write, and service Mercury auto, home, renters, landlord, business, and umbrella policies and are independently listed on Mercury’s official agent locator at mercuryinsurance.com.
Are there other Mercury agents in Yuba City?
There are a small number of authorized Mercury agents in the Yuba City area. Oakview is the only one to have earned Mercury’s Gold Service Excellence Award, given to just seven agencies statewide in 2017, and carries over 800 five-star Google reviews from clients throughout the Yuba-Sutter community. As an independent agency, we also compare Mercury against our other carriers to make sure you are getting the best available option, not just the one that is easiest to write.
Does Mercury still write homeowners insurance in Yuba City?
Yes. While many carriers have pulled back from California’s hard market, Mercury remains active in Yuba City and continues to write homeowners policies in the area. Mercury also partnered with Tokio Marine America in 2024 to assist California homeowners who have been non-renewed by other carriers. Contact Oakview at (530) 674-5054 to discuss eligibility.
Does Mercury cover homes in Yuba City’s flood-prone areas near the Feather River?
Mercury homeowners policies cover your dwelling, personal property, liability, and additional living expenses — but standard homeowners policies, including Mercury’s, do not cover flood damage. Yuba City’s history with Feather River flooding makes separate flood coverage important for many homeowners here. Oakview offers flood insurance through NFIP and private flood carriers with 1 to 30 day wait options. If you own a home near the river or in a designated flood zone, ask us about pairing your Mercury homeowners policy with flood coverage when you get your quote.
Is Mercury a good option for Yuba City landlords with rental properties?
Yes. Mercury specializes in dwelling fire and apartment owners coverage, which makes them a strong fit for Yuba-Sutter landlords. Whether you own a single-family rental in Yuba City or a multi-unit property in Marysville, Mercury’s landlord policies cover the structure, your liability as a property owner, and loss of rental income. Call us at (530) 674-5054 to discuss your specific rental situation.
What Mercury discounts do Yuba City drivers and homeowners commonly qualify for?
The most commonly applied discounts for Yuba City clients include the multi-policy discount for bundling auto with home or renters (up to 15%), the good driver discount for a clean record over three or more years, the homeowner discount applied to your auto policy, and affinity group discounts for members of AAA, Costco, and Sam’s Club. For homeowners in Butte and Yuba counties with fire-resistant construction, Mercury’s fire-resistant materials discount is also worth reviewing. When you work with Oakview, we run through every available discount before finalizing your quote.
How does Mercury compare to other insurance options for Yuba-Sutter drivers and homeowners?
Mercury was built specifically for California, which gives it structural advantages over national carriers that treat California as one of many markets. As an independent agency with 100-plus carrier appointments, Oakview compares Mercury against our full book of markets for every client. In many cases Mercury is the strongest combination of price and coverage for Yuba City auto and home. In others a different carrier fits better. Either way you are getting an objective comparison, not a pitch for whichever policy is simplest to write.
How do I file a Mercury claim in Yuba City?
Mercury accepts claims 24 hours a day, seven days a week through their digital portal, mobile app, or by calling (800) 503-3724. As your local agent, Oakview can also help you navigate the process, connect you with Mercury’s adjusters, and follow up on your behalf. Reach our Yuba City office directly at (530) 674-5054 during business hours.
Can Oakview compare Mercury against other carriers for my Yuba City home or auto?
Yes, and that is one of the most valuable things we do. As an independent agency, Oakview represents Mercury alongside 100-plus other carrier appointments. We quote your situation across our markets and bring you the best combination of coverage and price. Call us at (530) 674-5054 or start your quote online to see how Mercury stacks up for your specific situation.
Get Your Mercury Insurance Quote in Yuba City
Our team serves Yuba City, Marysville, Live Oak, Gridley, Colusa, and the surrounding area. Whether you need a quick auto quote or a full coverage review for your home, vehicles, and business, we are five minutes away, in the office or by phone.
Oakview writes Mercury policies throughout California. If you are outside the Yuba-Sutter area or want to learn more about Mercury’s statewide coverage options, visit our Mercury Insurance California page.
Call us at (530) 674-5054 or click below to start your quote online.