Long Term Care Insurance
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It's Your Sanctuary- How Are You Safeguarding It?

"Home." Doesn't it feel good to say the word aloud?

That's because whether you own or rent, your home is the center of your life … your protected oasis … and the guardian of the people and memories you hold dearest.

Of course, despite your best efforts, things happen beyond your control. But don't you deserve the right to expect that if something does occur—perhaps a fire, a storm, or a break-in—things will be put right correctly, quickly, and affordably? That way you and your loved ones can restore your serenity and get your lives back to normal as soon as possible.

Johns Hopkins University believes that your well-being is our promise. That's why we have partnered with Mercer Voluntary Benefits to offer colleagues like you valuable homeowners and renters insurance. This special employee benefit empowers you to take advantage of the company's group buying power to establish rates and discounts just for Johns Hopkins University colleagues.

Why not take a few minutes to receive a no-obligation quote? You may discover you can get a better value than you have now.

 

DISCLAIMER: These are voluntary benefit plans that Johns Hopkins University makes available to its employees through Mercer Voluntary Benefits. Johns Hopkins University does not contribute to any policy or service offered under the program. For those offerings that involve individual policies, Johns Hopkins University's responsibilities are limited to coordinating payroll deductions for premium payment and your contract for coverage will be with each insurance company or plan provider. For those offerings that involve group coverage, Johns Hopkins University's responsibilities are governed pursuant to the appropriate Master Policy provisions. You are under no obligation to purchase any of the voluntary policies or services offered through this site; you are also free to explore other options including purchase of policies or services directly from an insurance company or provider.

Why Should I Buy Homeowners/Renter Insurance from Johns Hopkins University?

House? Condo? Mobile home? Apartment? Wherever you live, you can take advantage of the Johns Hopkins University Homeowners/Renters Program's specially negotiated rates and discounts*. When you request a quote, you may discover that you could save hundreds of dollars over what you pay now. Here are six more reasons why the program may be best for you:

  1. Insurance for you—Not the world. Your home is as unique as you are-why should you settle for someone else's insurance? Johns Hopkins University has partnered with Mercer Voluntary Benefits to craft a homeowners/renter program designed just for colleagues like you. That means your unique needs are addressed the way no off-the-rack insurance can.
  2. Group rates available nowhere else—You get the advantage of the buying power of Johns Hopkins University. That means specially negotiated rates that are NOT AVAILABLE ANYWHERE ELSE—not even through any other company!
  3. Apply at any time—There is no waiting period for the Johns Hopkins University Homeowners/Renters Program. You can apply at any time during the year, regardless of how long you've been at Johns Hopkins University or when you started work.
  4. Switch at any time—If you get a better quote from the Johns Hopkins University Homeowners/Renters Program, you can start saving as soon as the next day.
  5. You can take it with you—Although this program is an advantage of your being a Johns Hopkins University employee, you can continue the policy without interruption if you ever leave the company.
  6. Talk with a real person—Our streamlined online process will let you know within minutes what discounts and other savings you qualify for. But if you have questions, you can get answers from a trained expert counselor with one FREE phone call: 1-866-795-9362, M-F, 8:00 am-8:00pm, Sat., 9:00am-1:00pm. EST/EDT.
  7. Specialty home insurance— including season homes, non-residential properties, rental homes, and more. We have coverage for almost anything you own, call for your free quote!

DISCLAIMER(S):

DISCLAIMER: These are voluntary benefit plans that Johns Hopkins University makes available to its employees through Mercer Voluntary Benefits. Johns Hopkins University does not contribute to any policy or service offered under the program. For those offerings that involve individual policies, Johns Hopkins University's responsibilities are limited to coordinating payroll deductions for premium payment and your contract for coverage will be with each insurance company or plan provider. For those offerings that involve group coverage, Johns Hopkins University's responsibilities are governed pursuant to the appropriate Master Policy provisions. You are under no obligation to purchase any of the voluntary policies or services offered through this site; you are also free to explore other options including purchase of policies or services directly from an insurance company or provider.

*The group discounts 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.

PLEASE NOTE: Due to increased risk associated with coastal property locations, the availability of property insurance coverage may be limited. Underwriting considerations include proximity to tidal waters, year built, construction, elevation and modifications which may have been made to the structure, i.e. hurricane shutters. As with all policies purchased through this program, eligibility for coverage is subject to the insurers underwriting guidelines. Property coverage is not part of this offering in Florida.

Liberty Mutual Disclaimer:
Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. The program cannot guarantee coverage. A consumer report from a consumer reporting agency and/or motor vehicle report, on all drivers listed on your policy, may be obtained where state laws and regulations allow. In TX, home insurance underwritten by Liberty Insurance Corporation and auto insurance underwritten by Liberty County Mutual Insurance Company, 2100 Walnut Hill Lane, Irving, TX. CA Department of Insurance license number: 0F52987. Liberty Mutual is an Equal Housing Insurer. ©2012 Liberty Mutual Insurance Company. All Rights Reserved.

MetLife Disclaimer:
MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify. Met P&C®, MetCasSM, and MetGenSM, are licensed in Minnesota. ©2012 MetLife Auto & Home. L0310092594[exp0213][All States]

Safeco Disclaimer:
Safeco Insurance® policies are underwritten by Safeco Insurance Company of America and its affiliates, Safeco Plaza, Seattle, WA 98154. Coverages, discounts, and billing options are subject to state availability, individual qualification, and/or the insuring company’s underwriting guidelines. Group discount not available.

Travelers Disclaimer:
Travelers Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT 06183. In FL: Auto insurance policies are underwritten by First Floridian Auto and Home Insurance Company, The Travelers Home and Marine Insurance Company, or by The Travelers Commercial Insurance Company. In MA: Auto policies are underwritten by The Premier Insurance Company of Massachusetts (Premier), a single-state subsidiary of The Travelers Indemnity Company. Insurance offered through Premier is not guaranteed by The Travelers Indemnity Company or any other Travelers company. In TX: Auto insurance is offered by Travelers MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers company. Coverages, discounts and billing options are subject to availability and individual eligibility. © 2012 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries.

Mercer Health & Benefits Administration LLC receives compensation for services to provide this program. These services may include enrollments, ongoing servicing, billing, marketing, brokerage, customer administration and claim servicing and communications. Refer to www.jhuvoluntarybenefits.com or call us 1-866-795-9362 at for specific details.

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Floods
  • Earthquakes
  • Maintenance damage

You can apply for homeowners or renters insurance through this program if you are a full-time active employee of Johns Hopkins University. The property to be insured must be in the United States.

The most convenient way is payroll deduction. However, you also can elect to pay by check, or add it to your rent, mortgage or escrow payment.

In most cases your insurance can start the day after you apply for coverage over the phone. It can also begin at a later date you specify. You will receive your insurance policy in the mail.

Coverage for the structure of your home:

This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by a disaster listed in your policy. Most standard policies also cover structures that are detached from your home such as a garage, tool shed, or gazebo. Generally, these structures are covered for about 10% of the amount of insurance you have on the structure of your home.

Coverage for your personal belongings:

Your furniture, clothes, sports equipment, and other personal items are covered if they are stolen or destroyed by an insured disaster. Most companies provide coverage for 50% to 70% of the amount of insurance you have on the structure of your home. This part of your policy includes off-premises coverage. This means that your belongings are covered anywhere in the world, unless you have decided against off-premises coverage. Expensive items like jewelry, firearms, stamp and coin collections, furs, and silverware are covered, but there are usually significant dollar limitations for theft losses. You may purchase higher limits or specifically insure items or on all-risk basis. Trees, plants and shrubs are also covered under standard homeowners insurance. Generally you are covered for 5% of the insurance on the house -- up to about $500 per item.

Liability protection:

This covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. The liability portion of your policy pays for both the cost of defending you in court and any court awards -- up to the limit of your policy. You are also covered not just in your home, but anywhere in the world. Your policy also provides no-fault medical coverage. In the event a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company. This way, expenses are paid without the need to file a liability claim against you.

Additional living expenses:

This pays the additional costs of living away from home if you can't live there due to damage from an insured disaster. If you rent-out part of your house, this coverage also reimburses you for the rent that you would have collected from your tenant if your home had not been destroyed.

You need enough insurance to cover the following:

The structure of your home:

You need enough insurance to cover the cost of rebuilding your home at current construction costs. Don't include the cost of the land. And don't base your rebuilding costs on the price you paid for your home. The cost of rebuilding could be more or less than the price you paid or could sell it for today.

Some banks may require you to buy homeowners insurance to cover the amount of your mortgage. There is often no correlation between the amount of mortgage and the cost to rebuild your home. You should base your coverage amount on the cost to rebuild your structure. Generally the insurer will never pay more than the cost to rebuild regardless of the amount of the mortgage. Paying for more coverage than you need is a waste of your income. If the mortgage amount is greater than the cost to rebuild your home, consider purchasing the guaranteed replacement cost options, which will satisfy most lenders. Also keep in mind replacement costs and inflation when choosing your coverage amount.

Your personal possessions:

Most homeowners insurance policies provide coverage for your personal possessions for approximately 50% to 70% of the amount of insurance you have on the structure or "dwelling" of your home.

To determine if this is enough coverage, you need to conduct a home inventory. This is a detailed list of everything you own and information related to the cost to replace these items if they were stolen or destroyed by a disaster such as a fire. Start by making a list of your possessions, describing each item and noting where you bought it and its make and model. Clip to your list any sales receipts, purchase contracts, and appraisals you have. For clothing, count the items you own by category -- pants, coats, shoes, for example -- making notes about those that are especially valuable. For major appliance and electronic equipment, record their serial numbers usually found on the back or bottom.

Additional living expenses:

Coverage for additional living expenses differs from company to company. Many policies provide coverage for about 20% of the insurance on your house. To determine if this is enough, you can estimate how long it would take you to rebuild your home in the case of total loss and how much your alternative living arrangements will cost. Some companies will even sell you a policy that provides you with an unlimited amount of loss of use coverage, for a limited amount of time. In most cases, you can increase this coverage for an additional premium.

Your liability to others:

Liability limits generally start at about $100,000. However, experts recommend that you purchase at least $300,000 worth of protection. Some people feel more comfortable with even more coverage. You can purchase an umbrella or excess liability policy, which provides broader coverage (including claims against you for libel and slander), as well as higher liability limits.

If you retire or leave the company, you can continue your coverage without interruption.

The homeowners or renters insurance through this program may not be the best for everyone. Therefore it is not a guaranteed coverage and you may not qualify based on state regulations, whether you live in areas prone to severe weather, the age of your home, types of coverage you need, the possessions that need to be insured, prior losses, and other underwriting guidelines.

To reassure you will have coverage when you need it, Johns Hopkins University and Mercer Voluntary Benefits partner only with the most dependable, most respected insurance companies in America: MetLife Auto & Home®, Travelers, Liberty Mutual and Safeco® Insurance.

Note: Not all companies are available in all states.

Simply make a FREE call to one of our American-based counselors. Call 1-866-795-9362 8 a.m. to 8 p.m. Monday through Friday, Saturday 9 a.m. to 1 p.m.  Eastern time.

 

DISCLAIMER: These are voluntary benefit plans that Johns Hopkins University makes available to its employees through Mercer Voluntary Benefits. Johns Hopkins University does not contribute to any policy or service offered under the program. For those offerings that involve individual policies, Johns Hopkins University's responsibilities are limited to coordinating payroll deductions for premium payment and your contract for coverage will be with each insurance company or plan provider. For those offerings that involve group coverage, Johns Hopkins University's responsibilities are governed pursuant to the appropriate Master Policy provisions. You are under no obligation to purchase any of the voluntary policies or services offered through this site; you are also free to explore other options including purchase of policies or services directly from an insurance company or provider.

We're here to help! Please contact us in whatever manner is most convenient for you.

Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
Phone: 1-866-795-9362
M-F, 8:00 a.m. - 8:00 p.m., Sat, 9:00 a.m. - 1:00 p.m. EST/EDT

 

DISCLAIMER: These are voluntary benefit plans that Johns Hopkins University makes available to its employees through Mercer Voluntary Benefits. Johns Hopkins University does not contribute to any policy or service offered under the program. For those offerings that involve individual policies, Johns Hopkins University's responsibilities are limited to coordinating payroll deductions for premium payment and your contract for coverage will be with each insurance company or plan provider. For those offerings that involve group coverage, Johns Hopkins University's responsibilities are governed pursuant to the appropriate Master Policy provisions. You are under no obligation to purchase any of the voluntary policies or services offered through this site; you are also free to explore other options including purchase of policies or services directly from an insurance company or provider.

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