Home Insurance

Here's what you need to know

What it does for you
Why it's important
When you can get quotes

One call to the Vanguard-dedicated quote line and you can conveniently compare your current home/renters insurance to the discounts, coverage, and rates available from some of America’s top insurance companies.^1,2

This program does all the legwork for you, from providing multiple quotes at once to helping you easily switch coverage. Plus, you may be able to pay your insurance premiums through your company’s payroll deduction – another convenient perk.³

This program could save you time and money when shopping for homeowners or renters insurance
The savings start with a special employee discount of up to 15%, which is not available to the general public
You could qualify for even more discounts for things like having a security system, being located near a fire hydrant, bundling your auto and home insurance with the same company, and more²

When you call, a licensed insurance agent can help you find all of the discounts you quality for – with no cost or obligation to you. If you find coverage you like better, you can even switch to a new policy over the phone so your savings could start right away.

Are your home and belongings adequately protected in the event of a fire, storm, break-in, or other damage? Will your current insurance help you replace it all?

Experts recommend you review your homeowners or renters insurance each year to make sure your coverage (and rate) reflects your current situation and needs.

Companies may change their pricing based on recent weather events and other factors, so it’s possible the lowest-priced plan on the market last year isn’t the lowest this year. The other reason for annual review is that your insurance needs can change (think about factors like renovations and additions to personal property).

Using the Home Program is a convenient way to make sure you’re spending your insurance dollars wisely. It can help you:

Pay for the coverage you really need and want
Have the right deductible for your priorities and budget
Take advantage of all the discounts you’re eligible for

The goal is not to be over-insured or under-insured, but have “right-size” insurance for your needs and budget. When you call, the licensed agent can help you find that.

You can use this service any time you like. You can get quotes – and switch companies – any time of the year without waiting until your current policy is coming up for renewal. If you decide to change to a new insurance company, your old company should refund the unused premium dollars you’re entitled to receive.

Who are the insurance companies in this program?

This program can provide quotes and coverage from several well-known companies, including: Liberty Mutual® Insurance, Farmers GroupSelect®, and Travelers.

Please note that you may not receive a quote from all of these companies depending upon your personal circumstances and state of residence.

Do I need to wait until my current homeowners or renters insurance policy comes up for renewal to switch to another plan?

No – in fact, you can get quotes and switch to another policy at any time. There’s no need to wait to take advantage of potential savings.

Who in my family is eligible for this program?

You and your family members are eligible to use this service for coverage.

How much does coverage cost?

There is no cost for getting a quote or for switching to a new company – it’s free and there’s no obligation. Your cost is purely the cost of the home or renters insurance itself based on the coverage you select. There are no added fees.

What if my employment status changes?

Good news! If you leave or retire from your current employer, you can continue your coverage without interruption (subject to applicable law and the plan’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply.

When would my coverage start?

Your coverage typically starts the day after you sign up for it. The licensed insurance agent can confirm the exact date when you call.

What do I do if I have a claim?

Call the number listed in the “Contact Us” section of this website and you will be routed to your insurance company. Always call as soon as possible, regardless of the situation.

What type of "homes" can be covered?

You can use this program to get quotes and coverage for single-family homes, townhomes, condos, apartments, mobile homes, second or vacation homes, and rental properties.

I don’t own a home. Why would I need renters insurance?

Your landlord’s insurance policy probably only covers the building or apartment where you live (the physical structure), but not your belongings or your liability for accidents.

If your possessions are stolen during a break-in or damaged by a fire or severe weather, a renters insurance policy may allow you to recover their value. Also, if someone is injured during an accident in your home, renters insurance could help protect you in the case of a liability lawsuit.

Legal Disclaimers

¹Home insurance may not be available from all carriers in all states and may not be offered in this program.

²Discounts are not available from all carriers and only available to those who qualify. Coverages, discounts and billing options are subject to state availability, individual qualification and/or the insuring company's underwriting guidelines.

³Providing your Social Security number may be required to set up the payroll deduction feature.

Carrier Disclaimers

View details of Mercer's carrier disclaimers

Mercer's Role & Compensation

View details of Mercer's disclosure of compensation

Home Insurance | Choice

Home Program

Whether you own or rent, the place you call home is the center of your life and holds everything you cherish. Shouldn’t you have it all protected with coverage and rates that make sense for you?

Here's what you need to know

How It Works

You find a new home for your growing family.

You call the quote line to compare coverages from multiple companies.

Frequently Asked Questions

Are you ready for your quotes?