*Discount applies to select coverages only.
Specialized Home Insurance Discounts & Coverages
for the Educational Community
Meemic offers high-quality home, condo and renters insurance you can count on, with a wide range of educator-specific coverages, along with great value for your insurance dollar.
Plan Benefits
A Member can choose between 2 plans.
Small-Claim Forgiveness
A benefit that prevents your policy premiums from increasing due to small claims under $250.
Advantage, Ultimate
Claim Forgiveness Ultimate
Policies in the Ultimate Plan will receive a claim forgiveness opportunity available immediately upon purchase.
Ultimate
Claim-Free Rewards
Earn cash back or a renewal credit, 3% up to $50, for remaining claim free every policy term.
Ultimate
Disappearing Deductible
Reduces the deductible $50 every term you are claim free, up to a maximum reduction of $500.
Ultimate
Service Line Coverage
Coverage for loss or damage to exterior underground service lines, such as water, sewer or power.
Ultimate
Home Systems Protection
We’ve got your back when essential household systems like central air conditioning, furnaces or water heaters break down.
Ultimate
Included and Optional Coverage
Personal Liability Coverage
Coverage extended to teacher, professor or school administrator employment and teacher-instructed tutoring sessions, including music/voice lessons.
Included
Coverage up to $2,500
For personal property used at school and for employer-owned computer equipment loaned to you for use at home.
Included
Personal Property Reimbursement
For an additional cost, replacement cost on personal property is provided for homeowners insurance, optional benefit for renters insurance.
Optional
Fundraising Coverage
Up to $2,500 for theft of money or goods being held by you for collection and/or distribution for a school-sponsored event.
Included
Waiver of Lowest Deductible
For a loss affecting both a home and an auto insured with Meemic.
Included
Expanded Coverage
Available for musical Instruments and sports equipment.
Optional
Water Damage Coverage
Sewer, Drain and Sump Pump Covers damages to property resulting from water back-ups.
Optional
Landscaping and Yard Coverage
Covers the cost to replace damaged trees, shrubs, plants and lawns.
Optional
Scheduled Personal Property Endorsement
Covers the cost to replace some of your valuables like silverware, musical instruments, golf equipment and more.
Optional
Expanded Coverage
Jewelry, Watches, and Furs Covers the cost to replace some of your more expensive items like jewelry, watches and furs.
Optional
Green Upgrades Coverage
Replace your things in your home with more eco-friendly and energy efficient versions after a covered loss to these items.
Optional
Home Day Care Coverage
When you run a day care from your home, get help protecting everyone.
Optional
Household Discount and Savings
New Teacher Discount
Discount for Member with a teaching certificate issued prior to 5 years of the policy term effective date.
Franchise Group Discount
A premium discount may be available based on the Franchise Group status.
Smoke-Free Discount
Save if all occupants living at the residence are non-smokers.
Home Buyer Discount (Homeowners only)
For newly purchasing the home you are insuring.
Retired Homeowner Discount
If insureds are at least 55 years old and retired.
Claim-Free Discount
For being claim free while maintaining continuous coverage for at least one year.
Paperless Discount
Receive your documents electronically and save.
Advance Purchase Discount
Available for policies purchased a select number of days before the policy's effective date.*
Hail-Resistant Roof Discount (Homeowners only)
For having a hail-resistant roof.
Roof Age Verification Discount (Homeowners only)
When the roof age is verified with documentation.
Safety Device Discount
Based on the fire, theft and water safety devices installed in the residence.
Fortified Home Discount (Homeowners only)
If the home is certified as Fortified/Secured for Safer Living by the Institute for Business and Home Safety (IBHS).