Personal Umbrella Insurance

Protect your hard-earned assets with a MetLife Auto & Home Personal Excess Liability Policy. All of these could be at risk if a liability suit is filed against you. Today, sadly, people are filing larger lawsuits and are being awarded bigger judgments.

Keep your Assets from being Liabilities

The more you have, the more you are at risk. A Personal Excess Liability Policy is the extra protection you need. Think of it as extra peace of mind. Personal Excess Liability includes coverage for lawsuits which result from injuries others sustain while on your property, or as a result of an accident such as those involving your auto, boat, snowmobile or RV, for example.

Liability Protection for Peace of Mind

A Personal Excess Liability Policy from MetLife Auto & Home gives you two types of valuable coverage:

(1) Additional Liability Coverage - For you and your family over and above the present amounts you now have on your:

• Automobile
• Home
• Boat
• Recreational Vehicles
• Snowmobiles

(2) Primary Coverage - For important non-business liability claims not covered on your other policies. Liability claims such as Defamation of Character.

Payment for Court Costs

If you ever need legal defense for a covere, claim, we will pay:

• Defense costs, which could be substantial, not payable by your basic policies.
• Lost wages of up to $100 per day, a maximum of $5,000, if we ask you to appear at a hearing or testify in court.
• Interest on unpaid judgments.
• Premiums on appeal bonds.
• Reasonable expenses incurred by us. Reasonable expenses incurred by you at our request.

Judgments from these lawsuits can easily exceed the liability limits on your underlying insurance policies, especially if there is a critical injury or loss of life:

• Libel
• Slander
• False Arrest

Note: A $500 deductible applies to a covered claim where there is no underlying coverage. In Texas, a $1,000 deductible applies to a claim where there is no required underlying coverage.

Here is what you Need

To qualify for a Personal Excess Liability Policy, you must have certain liability limits on your other insurance policies. The automobile and homeowners insurance liability limits are as follows:

Automobile: $100,000/300,000 bodily injury and $50,000 property damage, or $300,000 single limit coverage (In Texas, you must have $325,000 single limit coverage.)

If your automobile is insured by a company other than MetLife Auto & Home, you must carry $250,000/$500,000 in bodily injury and $100,000 in property damage or $300,000 single limit coverage.

Homeowners: $100,000 liability coverage per occurrence. You must also have personal injury coverage on your homeowners insurance policy.

We'll help you Select the right amount of Liability Coverage

Personal Excess Liability is available in the following amounts, which are available in most states:

• $500,000 per occurrence $_______ year
• $1,000,000 per occurrence $_______ year
• $2,000,000 per occurrence $_______ year

LoPriore Insurance Agency can help you decide which amount is best for you and provide you with the annual cost for this valuable protection. We can also explain any discounts for which you may be eligible.

• If your home is insured by a company other than MetLife Auto & Home, you must carry $300,000 single limit coverage.
• If you have a boat or an RV, you must also have $100,000 in liability coverage specially for those items.
• If your boat or RV is insured by a company other than MetLife Auto & Home, you must carry $300,000 single limit coverage.

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 a MetLife Personal Excess Liability Policy 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 Personal Excess Liability insurance protection. 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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