Choice

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 Ross-dd’s-dedicated quote line and you can conveniently compare your current home/renters insurance to the discounts, coverage, and premiums available from some of America’s top insurance providers.^1,2

This program does all the legwork for you, from providing multiple quotes at once to helping you easily switch policies. 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 associate 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 provider, and more²

When you call, a licensed insurance agent can help you find all of the discounts you qualify for – with no 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 the next day.

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

It's recommended you review your homeowners or renters insurance each year to make sure your policy (and premium) reflects your current situation and needs.

Providers may change their pricing based on recent weather events and other factors, so it’s possible the lowest-priced policy 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 Auto, Home, and Renters Program is a convenient way to make sure you’re spending your insurance dollars wisely. It can help you:

Pay for the policy 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 to have the right 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 providers – 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 provider, your old provider should refund the unused premium dollars you’re entitled to receive.

Who are the insurance providers in this program?

This program can provide quotes and coverage from several well-known providers, including: Progressive^®, Farmers GroupSelect^®, Travelers, Safeco Insurance^®, and additional retail insurance providers.

Please note that you may not receive a quote from all of these providers 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?

Who in my family is eligible for this program?

You and your dependent family member(s) who are covered under your policy could take advantage of policies through the program and any discounts you may qualify for. Your other family members could obtain coverage through the program at retail pricing rates.

How much does coverage cost?

What if my employment status changes?

Good news! If you leave or retire from your current employer, you could 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?

What do I do if I have a claim?

What type of "homes" can be covered?

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 through 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. Individual savings and discounts may vary by state and carrier and are not guaranteed.

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

Carrier Disclaimers

Mercer's Role & Compensation

Home and Renters Insurance | FT | Choice

Home and Renters Insurance

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 premiums 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 find a new home for your growing family.

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

Frequently Asked Questions

Are you ready for your quotes?