Home Insurance

Your home - it's a major investment. Protecting it is very important to you and to us. MetLife Auto & Home's homeowners coverage is among the most comprehensive available. Our Ultra policy for single family homes gives you our broadest coverage combined with the highest coverage limits.

We also offer the Plus and HO-2 policies offering comprehensive coverage for single or two-family homes.Your personal possessions can be covered from 50 to 75 percent of the coverage amount on your home, and are covered anywhere in the world. Choose from a variety of deductibles and coverages so you get the plan that's right for you-and your budget.

So What's Covered?

Homeowners protection offers insurance coverage on an "all risk" basis under Ultra and Plus. The HO-2 Broad form offers specifically named protection for certain losses. This means that most sudden and accidental events causing physical damage to your home are covered - along with other structures on your property such as a detached garage or tool shed. Furthermore, our Homeowners policies are "replacement cost policies". Together, we'll determine the amount of coverage needed to replace or rebuild your home. In turn, you're compensated for your loss up to your coverage limit-without any deduction for depreciation.

But Wait, There's More - EXTRA COVERAGE

Did you know there were extra coverages included in our policies? These include:

• Debris Removal
• Emergency Removal of Property
• Trees, Shrubs, and Other Plants
• Inflation Protection

Chances are, we'll be able to save you money on your insurance.

How is My Personal Property Covered?

Coverage 'Round the World. Personal Property Coverage provides worldwide coverage for your furniture, clothes, and other personal possessions. Whether it's fire, theft, hail, or other peril listed in your policy, you're protected. An no matter where you are, you're covered.

Here are some of the items covered within the Personal Property Coverage:

• Money & Coin Collections: $200
• Securities & Stamps: $1,000
• Manuscripts: $1,000
• Theft of Jewelry, Watches & Furs: $1,000
  (Ultra policy) $1,000 per item/$2,500 aggregate
• Watercraft: $1,000
• Trailers: $1,000
• Personal Computer Coverage: $5,000
• Theft of Silverware & Goldware: $2,500
• Trading Cards, Comic Books, Memorabilia: $1,000
• Theft of Cameras: $2,000
• Theft of Tools: $2,000
• Theft of Firearms: $2,000
• Refrigerator & Freezer Contents Spoilage: $1,000
• Credit Card, Forgery & Counterfeit Money: $1,000
• Trees, Shrubs, Plants & Lawns Included

Your personal property losses are settled on an actual cash value basis, which is the amount your property is worth at the time of the loss. You have the option of purchasing Replacement Cost on Contents, which settles your personal property losses on a replacement cost basis rather than an actual cash value basis. You will be paid the amount to replace the items after the deductible. No deduction will be made for depreciation.

You may be looking for extra coverage for your fine items, such as jewelry, furs, or your home computer. Contact LoPriore Insurance today to learn more about Scheduled Personal Property Coverage for a particular item at a specific value.

What if I Can't Stay in my Home?

Loss of Use coverage pays for your increased living expenses after a covered loss occurs. So if you can't stay in your home, and need to stay elsewhere temporarily, you're covered.

What Other Kinds of Coverages are Available?

Whatever your personal insurance needs may be, MetLife Auto & Home can meet them. From basic coverage to maximum protection, we can put together a package of coverages to meet your specific needs.

Here are optional coverages available to increase your home's protection at an additional charge:

• Replacement Plus* - In case of a total loss, this coverage guarantees the full replacement cost to rebuild your home. If your home is insured up to 100 1) percent of its calculated replacement value, but the loss exceeds the policy limit, Replacement Plus will make up the difference. (If you need to completely rebuild after a loss.)
• Replacement Cost on Contents - your personal property losses are settled on a replacement cost basis. You're paid the amount to replace the items after the deductible without any depreciation.
• Backup of Sewer, Drain or Sump Pump - gives you coverage** for damage by water which backs up into your house through your sewer, drain, or sump pump. * Included in the Ultra policy.
• Home Computer Coverage - Use your computer away from home or for business use? This option provides coverage when you need more coverage than your policy provides, and is settled on a replacement cost basis.
• Extended Theft Coverage for Jewelry, Watches, and Furs – broader protection than the special limits in your basic policy.
• Increased Coverage* - is also available for credit cards, jewelry and furs.
• Flood Coverage - Your policy does not cover any damage caused by floods. If you think flooding is a possibility in your area, you should consider purchasing special flood insurance from the National Flood Insurance Program (NFIP) of the U. S. Government. Insurance companies do not underwrite flood insurance and the NFIP is the primary way to protect your property from the devastation of floods. Contact your representative for more information on how to buy this coverage.

What if Someone Gets Hurt on my Property?

Liability protects you and your relatives who are members of your household if you're legally liable for injuries to other people either on or off your property. Liability also protects you if you accidentally cause damage to, anyone else's property. We will also pay the costs to defend you in lawsuits brought against you. You can choose from a range of limits beginning with $100,000.

Medical Payments to Others covers a person not living in your home who is injured by you, or gets hurt on your property. It pays reasonable medical expenses, up to $1,000 for each injured person-regardless of fault. Increased coverage is available.

Extra Protection

Your homeowners insurance policy includes these additional coverages:

• Payments for first aid to others at the scene of the accident.
• Payments up to $500 for damage to the property of others, caused by you (for example, a child damages a neighbor's new concrete sidewalk by walking on it before it has dried.)
• Payments up to $1,000 for Loss Assessments you incur as a result of your membership in a property association. This applies when there is a covered loss to property collec­tively insured by all members.
• Claims expenses we incur for any suit we defend.

Naturally, not every injury or loss is covered. Read your policy carefully to find all exclusions that apply.

Ways to Save on your Home Insurance

While higher deductibles are available to help you save money, we also offer a variety of special discounts to help lower your rates:

• New Home - A discount is available for newer homes.
• Mature Homeowners - A discount for policyholders who are 55 years of age or older and retired. For married couples, one spouse must be at least 55 and neither can be employed full time.
• Multi Policy Discount - Available if you have both homeowners and automobile insurance with us.
• Protective Devices - Available for an automatic sprinkler system, a central fire alarm system, a central burglar alarm system, and a combination of smoke detectors (one per living level), dead bolt locks (on all exterior doors), and fire extinguisher(s).
• Claim Free Discount - Available only to those who have been our customers for a number of years.

Of course, discounts are subject to individual qualifications and may not be available in all states.

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 homeowners 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 home. 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.

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