What Is Mercer Choice?
Mercer Choice is a bundled insurance program that allows policyholders to purchase both auto and home coverage through a single insurer. The program is designed to simplify claims, reduce administrative costs, and often provide discounts for customers who combine policies. It is not a product offered by Mercer Consulting; rather, it is a branding used by several carriers that partner with Mercer to streamline underwriting and risk assessment.
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Key Features and Benefits
Discounts and Savings
Many carriers offer a bundle discount ranging from 5% to 15% off the combined premium. The exact amount depends on factors such as the insurer's policy, the customer's claim history, and the value of the insured assets.
Single Point of Contact
Policyholders receive one account manager and one billing statement, which reduces paperwork and speeds up claim processing. A unified dashboard often tracks both auto and home coverage status.
Enhanced Risk Management
Insurers use Mercer's risk analytics to assess the overall exposure of a household. This can lead to personalized coverage recommendations, such as adding umbrella limits or increasing liability coverage for high-value vehicles.
Enrollment Process
To enroll, customers must first choose an insurer that offers the Mercer Choice brand. After selecting the carrier, they complete a joint application that includes vehicle details, property information, and personal data. The insurer's underwriting team reviews both sets of information simultaneously, which can shorten the approval timeline.
Typical Cost Structure
| Coverage Type | Premium Range | Typical Discount |
|---|---|---|
| Auto | $400–$1,200 | 0–10% |
| Home | $600–$1,800 | 5–15% |
| Bundle Total | $1,000–$3,000 | 5–15% |
Considerations Before Choosing Mercer Choice
- Check whether the insurer's policy limits match your risk profile.
- Verify that the discount is applied automatically and not contingent on additional conditions.
- Confirm that claims for auto and home can be filed through the same portal.
Conclusion
Mercer Choice offers a streamlined approach to managing auto and home insurance. By bundling coverage, customers can potentially lower premiums, simplify administration, and benefit from integrated risk assessment. When evaluating this program, compare carrier terms, discount structures, and customer service quality to ensure it aligns with your needs.