Are You Interested in Saving Money on your Homeowners Insurance?

Mercer Consumer is pleased to present an exciting member benefit offered by the New York City Bar Association that could help save you money on home insurance*. After a thorough review of several leading companies, the New York City Bar Associaton has chosen Liberty Mutual Insurance--a Fortune 500 company--as its exclusive homeowners coverage provider. Liberty Mutual Insurance offers a program that allows City Bar members to take advantage of group buying power.

Liberty Mutual Insurance Benefits and Services
Convenience and added value are part of every policy. Liberty Mutual Insurance will simplify your life with the following benefits and services:

After-hours Policy Services
When you need policy information, answers to billing questions or assistance with policy changes after normal business hours, our Customer Response Center will help you. Call 800-524-9400 7AM to 11PM, Monday through Friday, and 7AM to 7PM on Saturdays, Eastern Time. Or service your policy on line any time.

24-hour Claims Assistance
When you need to report a claim, you can call or click 24 hours a day, seven days a week. Call 800-2CLAIMS (800-225-2467). Hearing impaired customers who use a TDD/TTY device can contact 800-243-9801.

Convenient Payment Options
Have your premiums deducted automatically from your checking account through our Freedom Pay Plan. With this plan, you'll never have to worry about missing your due date, writing checks, having enough stamps or envelopes and your premium is always paid on time. If you prefer to receive a paper bill at home, you can pay on-line with e-billing, or you can mail your payment through the mail.

You may qualify for this savings when you insure both your car and home with Liberty Mutual Insurance.

Contractor Network Referral Program (CNRP)1
Your Claim Handler can provide you with information on approved vendors established by Liberty Mutual Insurance to provide customers with competent, reliable, contractors to perform building repairs related to an insured loss. You are under no obligation to use the services of the CNRP contractor. However, if you do, Liberty Mutual Insurance will guarantee the workmanship performed by the CNRP for one year. Subject to policy provisions, the only cost to you will be your deductible and any non-recoverable depreciation.
1May not be available in all locations.

24-Hour Homeowner Emergency Repair Service
If you have a covered loss and your property needs to be protected from further damage, Liberty Mutual Insurance will immediately send someone to your home to take care of the situation. This service is available 24 hours a day, 365 days a year.

Temporary Living Expense
If your home is unsafe or damage is so extensive that you cannot live there, your Claim Handler can assist you in locating temporary housing and advise you on your policy coverage for additional living expenses. Your Claim Handler can also offer you an advance against the total settlement amount of your claim for clothing or other immediate necessities.

Home Replacement Cost Calculator
A sales representative can provide you with the most up-to-date replacement cost estimates for your home. By evaluating your home and insuring it correctly, you can rest assured that your property is protected in the event of a loss.

Personal Property Replacement Service2
Normally, you'd have to find individual replacements and arrange for shipping and handling on your own. With this service, one phone call sets the process in motion. Drawing from a database of more than 400,000 items, we can locate the exact items you lost -- or the closest match -- and ship them to you within 48 hours.
2Personal Property Replacement Endorsement required (not available in all states).

Lock Replacement Coverage
Our HomeProtector PLUS policy includes coverage of up to $250 to replace the locks or cylinders on the outside doors of your home if your keys are stolen.

Loss Forgiveness Program
For customers who have maintained a loss-free record for three years, we provide a premium discount up to 15% in most states. In addition, if you continually insure with us and maintain a loss free record for five years, you qualify for our "loss forgiveness" program. Under this program we'll waive the surcharge for the first loss you incur after you qualify.

Inflation Protection3
Liberty Mutual Insurance will automatically adjust your policy limits to keep pace with inflation and you will receive a discount on your policy premium.
3Inflation Protection Endorsement required (not available in all states).

Catastrophe Team
Liberty Mutual Insurance's catastrophe team provides an immediate assessment of damages and appraisal resources to you when you need it most.

Flood Insurance
Liberty Mutual Insurance offers Flood Insurance through the federal government's National Flood Insurance Program.

Flood Insurance
Think you need to live near water to need flood insurance? Think again. Floods can be caused by storms, hurricanes and even melting snow. Don’t get caught in rising water protect your home with flood insurance.

Flood insurance is provided by Liberty Mutual Insurance authorized by the Federal Emergency Management Agency for over 18,000 participating communities. Flood coverage must be purchased as a separate policy as flood damage is not covered under homeowner policies.

Call Liberty Mutual Insurance to obtain this valuable coverage (click the Contacts hyperlink for the telephone number). The only piece of information we need from you is your Flood Zone. Flood zones can be obtained from your town clerk or municipal town manager's office, or from your mortgage company.

*Discounts and savings are applicable 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.

About the Insurance Company
Liberty Mutual Group is a diversified worldwide insurance service organization with a common mission of "helping people live safer, more secure lives." Founded in Boston in 1912, the company is one of the largest multi-line insurers in the property/casualty field.

Liberty Mutual Insurance ranks 76th on the Fortune 500 list of largest U.S. corporations. The company has received financial strength ratings of "Excellent" (A) from the A.M. Best Company, "Good" (A2) from Moody's Investors Service and "Strong" (A) from Standard & Poor's. With $14.5 billion in consolidated revenues, and more than $65 billion in consolidated assets, Liberty Mutual Group has the financial strength to provide a wide array of products and services.


For more information, call Liberty Mutual


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