Home Insurance | Choice

Home Insurance | Choice

The Choice Program for 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 rates that make sense for you?

Here's what you need to know

One call to the Blue Shield of California 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 The Choice Program for Home and Renters Insurance 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 anytime 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

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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.

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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  • Who are the insurance companies in this program?

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


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

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  • 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. 
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  • Who in my family is eligible for this program?

    You and your family members are eligible to use this service for coverage.
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  • 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.
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  • 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. 
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  • 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. 
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  • What do I do if I have a claim?

    Call 1-800-609-8504 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.

Are you ready for your quotes?

Act now to get your free, no-obligation quotes and see how much money you could save.
Inflation, increases in claims, instances of natural disasters, and other key factors are making it more difficult across the insurance industry to secure needed auto/home coverage for employees. Many carriers are controlling limits on policy coverages and pausing quoting, marketing and placement to varying degrees, especially in states like California and Florida.

Although they are limited, we do have top auto and home insurance companies that continue to work with Florida and California residents to help determine if their premium quotes are lower than what they are currently paying for auto and home insurance.

Do You Need Help?

Our team is ready

M-F 5a-5p, Sat 5a-11a PT

Phone Number: 1-800-609-8504
  • Legal Disclaimers

    Blue Shield of California is an independent member of the Blue Shield Association.


    Blue Shield and the Shield symbol are registered marks of the BlueCross BlueShield Association, an association of independent Blue Cross and Blue Shield plans.


    Mercer makes no recommendation regarding your decision whether to purchase this insurance, and we are not acting as a fiduciary investment adviser to you. Mercer may provide information that is developed by Mercer, an insurance carrier or other party to educate you regarding the insurance. You should not construe Mercer’s sharing of this information as a recommendation by, or advice from, Mercer regarding your decision. You may wish to seek the advice of your own financial or investment adviser when deciding whether to purchase this insurance and with respect to any investment component in the insurance.


    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

  • Mercer's Role & Compensation