Dwelling Fire Insurance
 Whether
you own a vacation home or rent property, you need to protect
your investment. Investment property needs special coverage -
coverage that not only protects your investment but which will
not overlap with
coverage you may have already purchased under your homeowners
policy.
We're Here to Make Sense of it for You
There are many choices to make when insuring your
investment property. We offer a Dwelling Fire Special Form Policy
(DP-3)
which protects your dwelling, and other buildings such as sheds
and garages, from "all risks" unless specifically excluded.
Or, we have our Dwelling Fire Broad Form Policy (DP-2) to protect
your property from losses specifically listed. Some examples
of losses covered are:
- Collapse
- Smoke
- Explosion
- Vandalism
- Fire
- Weight
of ice/snow
- Hail
- Windstorm
- Lightning
In addition, if your property is unfit to rent due to a loss,
we will reimburse you for the fair rental value of your lost
rental income for up to twelve months.
Optional Coverages
Other coverages available to you include:
- Earthquake
- Theft
- Personal Liability and Medical Payments to Others
Understanding your Policy
Coverage
|
Dwelling Fire
Broad Form (DP-2) |
Dwelling Fire
Special Form (DP-3) |
| A. The Dwelling |
protection from 17 specifically listed losses |
"all risks"-covered for all types of loss not
specifically excluded in the policy |
| B. Other Structures |
10% of A |
10% of A |
| C. Personal Property (Contents) |
protection from 16 specifically listed losses |
protection from 16 specifically listed losses |
| D. Fair Rental Value |
while loss makes your property unfit to rent for up to
twelve months |
while loss makes your property unfit to rent for up to
twelve months |
| E. Additional Living Expense |
included |
included |
| |
|
|
| Other Coverages |
|
|
Trees, Shrubs and Other Plants
|
5% of A |
5% of A |
| Reasonable Repairs and Property Removed |
for amount needed to protect property from further damage
of loss |
for amount needed to protect property from further damage
of loss |
Debris Removal After Loss
|
as needed after a loss |
as needed after a loss |
Earthquake Coverage
|
available |
available |
Theft Coverage
|
available |
available |
| Personal Liability and Medical Payments to Others |
available |
available |
Take Advantage of Flexible Payment Plans
Flexible payment plans mean convenience. Put your
policy on a direct billing plan of your choice or use the ExpressIt
(SM) option. You can select a direct bill payment plan of one,
two, four, or nine payments. Or, if you select ExpressIt (SM)
as your payment option, your payments will be conveniently deducted
from your checking account. There
are no service or processing fees, paper bills or checks to write
with ExpressIt (SM). In addition, you get to pick one of four
monthly deduction dates which best fits your budget.
With ExpressIt (SM),
you can select the 1st, 8th, 15th, or 22nd of the month as
the day you want your payment automatically deducted
from your account. The choice is yours!
Value, Convenience, and Performance you can Trust
When you purchase MetLife investment property
insurance from LoPriore Insurance, you get round-the-clock claim
service.
If you ever
have a loss, or need to discuss an important matter on a claim,
you
can just
pick up the phone and call MetLife at 1-800-854-6011. You'll
reach a real, caring person no matter what time of day - or night
you
call.
Acknowledged as an innovative leader throughout
the industry, MetLife is a wholly owned subsidiary of Metropolitan
Life Insurance
Company (MetLife®). They were incorporated in 1972 to expand
MetLife's quality products and services, and now rank among
the largest personal lines property and casualty insurers in
the
country.
Ask About our Other Products and Services
There's much more available through us than insurance
protection for your investment
property. We offer Auto, Mobile Home, Boat, Renters, Condominium,
Recreational Vehicle insurance and more. These products may not
be available in all states. In addition, there are a broad range
of other insurance products and services available to you. Please
contact us for more information.
Back to Main Products & Services Page
|
