Home & Renters Insurance | Choice

Home & Renters Insurance | Choice
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Home & 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 rates that make sense for you?
Call 1-866-228-3516

Here's what you need to know

One call to the Harvard-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 Auto & 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.

How It Works

Number one Call to request quote icon

Call to request quotes

Number two Chat bubble icon

Ask questions and explore options

Number three Home paper icon

Compare coverage and rates

Number four Home shield icon

Switch to a new policy and/or company

You find a new home for your growing family.

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

A licensed insurance agent helps you customize your coverage and find every discount you qualify for. You switch insurance companies over the phone and start saving money.

Frequently Asked Questions

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  • 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. 
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  • 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.
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  • 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.

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  • Which discounts could I receive?

    Because this program is provided to Harvard University employees, you could receive an employee discount of up to 15%.² Other discounts and savings may apply, so please ask about savings for having any of the following that may apply to you:

    • Multi-Policy
    • Tenure
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  • When would my new policy begin?
    Almost immediately, if you would like! If you are accepted for coverage, your home insurance can start the day after you apply for the coverage over the phone. If you want to receive proof of your new coverage sooner rather than later, you can get temporary insurance cards by fax or email, subject to state availability. Your permanent cards will be mailed to you.