Home insurance
Home Insurance - MetLife
- Details
- Category: Home
- Published on Tuesday, 20 July 2010 10:47
Your home is your greatest asset. Whether your home is a house, townhouse, mobile home, apartment, or a personal condo, you can protect your residence and the precious belongings inside with the right MetLife Auto & Home® insurance policy. Coverage for landlords and renters is also available.
Policies provide*:
- Property damage resulting from lightning, fire, smoke, and theft
- Coverage for the contents of your home, such as furniture, clothes, TVs
- Court fees and liability coverage for lawsuits resulting from injuries anyone sustains on your property
- Superior 24/7/365 claim service
See policy for terms, conditions, and restrictions.
Homeowners Insurance
From burglary to storms, MetLife Auto & Home’s homeowners insurance has your residence covered - inside and out.
If your home or its contents were damaged or destroyed by unfortunate covered events, such as a windstorm/tornado or hail, fire, theft, or vandalism, subject to its terms and conditions, a homeowners insurance policy from MetLife Auto & Home® can provide you with money to:
- Repair your home
- Rebuild your home
- Replace lost or damaged property
We make sure you can restore your house-and your life-with quality homeowners insurance from MetLife Auto & Home.
Details
Homeowners insurance policies are backed by the financial strength of MetLife Auto & Home - so you can count on us to be there when you need us most. When the unexpected occurs, homeowners insurance from MetLife Auto & Home provides you with comprehensive coverage for a number of scenarios.
If Your Home is Destroyed
- For full replacement cost coverage, opt for Coverage A PlusSM. With Coverage A Plus, we pay to repair or rebuild your house, even if the total rebuilding cost exceeds your Coverage A amount.1 Here’s another bonus - if you purchased your policy five years ago and the cost of materials has since risen, you will get your home rebuilt - regardless of the cost differential. Note, the coverage is capped in some states, like Flordia and California.
If Your Home is Damaged
- Our national General Contractor Program gives you access to a network of credentialed contractors who will work with you to achieve expert results wherever you live. What is the best part? All work is guaranteed for two years.
If Your Property is Damaged or Destroyed
- With our replacement cost settlement method there will be no depreciation factored in when reimbursing you for your clothing, electronics, collections, and other personal items. If you'd like to pay a bit less, get a policy tabulated according to actual cash value. We will deduct for depreciation, so your premium will not be as expensive.
If Your Identity is Compromised
- Provided to home customers at no additional charge, Identity Protection Services include the most comprehensive set of features to protect and restore the customer’s identity in case of theft or fraud. Included in this service are Identity Theft Resolution, Military Alert, Estate Management, Travel Benefits, Child Identity Protection, Relocation Services, Medical Identity Theft, and Disaster Mitigation services. Not provided to customers in NC, nor to NH auto customers, nor is it available to customers with all policy forms.
If You Need to File a Claim
- Our claim service is among the industry's best. Whenever you need us, we'll be there - 24/7/365. Our knowledgeable representatives will answer all your questions and speed along the resolution of your claim. You can report a claim to us anytime at 1-800-854-6011.
Condo Insurance
MetLife Auto & Home® offers insurance especially designed to address the needs of condo owners. Even though your condo likely carries a master insurance policy to cover the building, you may want a separate policy to protect your individual interests.
Condo insurance provides coverage for:
- Improvements you make to your unit, which are not covered by your association agreement
- Structures you own
- Unexpected association loss assessments
- Personal Liability
- Legal defense costs from lawsuits
- Personal property you own
As a condo owner, you share responsibility for certain community resources and, therefore, may be asked to pay for repairs or lawsuits not covered by the association’s master insurance policy.
A condo insurance policy can shield you from those potential costs; policies include loss assessment coverage for up to $1,000. For an additional premium, we can arrange a higher loss assessment limit to meet your needs.
DETAILS
Condo insurance is an affordable way to manage the normal risks of owning a condominium. Our condo insurance policies provide comprehensive coverage with the following features:
Replacement Cost Coverage
Replacement cost coverage is available for losses to:
- Building improvements you make to your unit
- Private structures you own at your residence
- Building property that’s your responsibility under a property owners' agreement
- Personal property you own
Some coverages require an additional premium.
Loss Assessment Protection
- Our condo insurance helps shield you from unscheduled assessments from the condo association by including loss assessment coverage. Consult a MetLife Auto & Home representative for exact coverages and applicable limits.
Liability Protection
- In addition to protecting your home from damage, you should also protect yourself from personal liability. Our condo insurance provides coverage for bodily injury and property damage to others for which you are held responsible.
General Contractor Program
- Whenever you use a contractor from our managed network of licensed and credentialed service providers, the work is done to meet your satisfaction and includes a two year warranty from the contractor on any service completed.
The following benefits are available with any condo insurance policy you choose:
Worldwide Coverage
- Wherever you’re traveling in the world, if your personal belongings are lost, stolen, or damaged, you’re covered by MetLife Auto & Home.
Identity Protection Services
- If your identity is compromised, we’ll put you in touch with a counselor who will help you notify authorities, sign affidavits, and speak with affected creditors. Together, we can help restore your name and reinstate your credit.
Legal Defense/Court Costs
- If you’re sued for a covered claim, MetLife Auto & Home will help pay burdensome attorneys’ fees, document preparation fees, or other related expenses. See policy for restrictions.
Water Backup Coverage
- With MetLife Auto & Home, when you purchase this optional coverage, you’re protected when water backs up and damages your home and its contents. Coverage includes spills and run-off from sewers, drains, and sump pump wells. See policy for restrictions.
24/7/365 Claim Service
- No matter which policy you choose, you always have access to MetLife Auto & Home’s superior claim service. It’s fair, fast, and a representative is available to you any time of day, any day of the year.
Renters Insurance
Safeguard the place you call home with renters insurance from MetLife Auto & Home®.
Whether it's your laptop computer, a new plasma TV, or the clothes in your wardrobe, if it's valuable to you, we'll protect it*. With our renters insurance policies, we can provide coverage for your personal property for as little as $100 annually.
Get:
- Protection for damage, theft, and personal liability*
- Replacement Cost or Actual Cash Value settlement methods
- Affordable prices with flexible plans that work for your budget
Renters insurance even protects your electronic equipment and the items you keep in your automobile.* You can also increase coverage limits for precious items like jewelry or furs.
DETAILS
Affordable, comprehensive, and reliable coverage that's there when you need it most.
For as little as $100 per year, you can protect your property, such as your cell phone to expensive items like your entertainment center against damage and theft. We even provide personal liability protection, so if someone visiting your home were injured by you, you'd be covered.
Losses are settled with two basic methods: replacement cost and actual cash value.
Actual Cash Value
This method costs less, but also pays less, since it accounts for depreciation. For example, if you bought the latest digital camera for $450 three years ago, you might only be reimbursed $100 for it today. Basically, you are paid the cost of buying that same camera with three years worth of wear and tear.
Replacement Cost
Unlike many insurance companies, MetLife Auto & Home offers policies that will pay you the dollar amount it costs to replace your lost possessions today, without any deduction for depreciation. This coverage comes at a higher cost, but reimburses you the full cost of the item purchased new, subject to your deductible.
The following benefits are available with most policies you'd choose:
Worldwide Coverage
- Wherever you're traveling in the world, if your personal belongings are lost, stolen, or damaged, you're covered by MetLife Auto & Home.
Identity Protection Services
- If your identity is compromised, we'll put you in touch with a counselor who will help you notify authorities, sign affidavits, and speak with affected creditors. Together, we can help restore your name and reinstate your credit.
Legal Defense/Court Costs
- If you're sued for a covered claim, MetLife Auto & Home will help pay burdensome attorneys' fees, document preparation fees, or other related expenses.
Water Backup Coverage
- With MetLife Auto & Home, when you purchase this optional coverage, you're protected when water backs up and damages your home and its contents. Coverage includes spills and run-off from sewers, drains, and sump pump wells.*
24/7/365 Claim Service
- No matter which policy you choose, you always have access to MetLife Auto & Home's superior claim service. It's fair, fast and a representative is available to you any time of day, any day of the year.
See if you qualify for savings on your policy. Speak to a MetLife Auto & Home representative about these discounts:
- Protective devices discount
- Mature homeowner discount
- Multi-policy discounts
Insurance for Landlords
A comprehensive landlord's rental property policy from MetLife Auto & Home® will protect your investment property, so you can rent it out with confidence.
Landlord's rental property insurance provides all the coverage you need to protect your property from damage-and you from legal and personal liability.
MetLife Auto & Home landlord's rental property insurance covers:
- Your rental building
- Other private structures, such as a garage or shed
- Any personal property, such as tools, appliances, furniture, stored on-site or provided by you for use by your tenants
Landlord’s rental property insurance is available in two forms:
Landlords Rental Dwelling Insurance - This policy covers you if you own a rental building designed for one to four families.
Landlord's Rental Condominium Insurance - If you own a condo and rent it out, this coverage is for you.
DETAILS
Whether you're a landlord with multiple rentals or simply leasing your home or condo, we have you covered. With either landlord's rental dwelling insurance or landlord's rental condominium insurance from MetLife Auto & Home, you get*:
Liability Protection
- Our landlord’s insurance protects you against bodily injury or property damage lawsuits arising out of covered losses on your covered rental property. We even provide coverage for medical expenses up to $1000, if someone does get hurt on your property.*
Loss-of-Rental-Income Coverage
- Our landlord’s insurance protects you from financial hardship, if your property becomes unfit to rent due to a disaster like a fire. You’ll be reimbursed for any loss of rental income you suffer up to your policy limit* during the time it takes to repair or rebuild.
The following benefits are available with any policy you choose:
Legal Defense/Court Costs
- If you’re sued for a covered claim, MetLife Auto & Home will help pay burdensome attorneys’ fees, document preparation fees, or other related expenses.
Water Backup Coverage
- With MetLife Auto & Home, when you purchase this optional coverage, you’re protected when water back ups and damages your home and its contents. Coverage includes spills and run-off from sewers, drains, and sump pump wells.
24/7/365 Claim Service
- No matter which policy you choose, you always have access to MetLife Auto & Home’s superior claim service. It’s fair, fast, and a representative is available to you any time of day, any day of the year.
Mobile Home Insurance
MetLife Auto & Home® offers fair and flexible policies for your mobile or manufactured home. Because your home is one of your most valuable assets, we offer special homeowners policies crafted to meet your particular needs. Should you experience damage or loss due to a covered occurrence, we’ll pay to repair or replace your:
- Mobile or manufactured home
- Attached porches/decks
- Attached structures (garages, storage sheds)
If you are forced to vacate your residence due to a covered loss, we’ll also reimburse you for living expenses, such as hotels and meals, for each day you are displaced.
Additionally, we offer protection for your personal property while you’re traveling or while it is anywhere in the world. When your mobile or manufactured home is moved to a new location, it’s also protected en route when you purchase optional trip collision coverage.
DETAILS
To keep your home and its belongings safe, MetLife Auto & Home’s mobile home insurance policy features two loss settlement methods.
Replacement Cost Settlement
The cost of a new mobile home can change drastically over time. With this method, we pay to repair or replace your home and personal property without any deduction for depreciation—up to the amount of coverage purchased.
Actual Cash Value Settlement
Actual cash value protection pays you the actual cash value of your property based on its age and condition. This settlement method applies whether or not you actually repair/replace the property.
See the terms of the policy for information about to which types of property these methods apply and when.
The following benefits come standard with any policy you choose:
Worldwide Coverage
- If your personal belongings are stolen, or damaged while traveling or while at home, you're covered by MetLife Auto & Home. See policy for restrictions
Identity Protection Services
- Provided to most customers at no additional charge, Identity Protection Services include the most comprehensive set of features to protect and restore the customer’s identity in case of theft or fraud. Included in this service are Identity Theft Resolution, Military Alert, Estate Management, Travel Benefits, Child Identity Protection, Relocation Services, Medical Identity Theft, and Disaster Mitigation services. Not available in NC, nor to NH auto customers, nor with all policy forms.
Legal Defense/Court Costs
- If you’re sued for a covered claim, MetLife Auto & Home will help pay burdensome attorneys’ fees, document preparation fees, or other related expenses. See policy for restrictions.
Trip Collision Coverage
- When you move your mobile or manufactured home from one site to another, it’s protected when you purchase optional trip collision coverage. This way, you can focus on your new address, not potential damages sustained during the journey getting there. See policy for restrictions
Water Backup Coverage
- With MetLife Auto & Home’s optional coverage, you’re protected when water backs up and damages your home and/or its contents. Coverage provided to losses resulting from spills and run-off from sewers, drains, and sump pump wells. See policy for restrictions. Most homeowners policies exclude coverage for losses due to flooding, but you may be able to purchase a separate flood insurance policy from us as part of the National Flood Insurance Program, which is administered by the federal government.
24/7/365 Claim Service
- No matter which policy you choose, you always have access to MetLife Auto & Home’s superior claim service. It’s fair, fast and a representative is available to you any time of day, any day of the year.
Source: MetLife