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GOT
A QUESTION?
Get the Answer
from MetLife Auto & Home
Follow
the links below to find answers to the questions of interest
to you -- or ask a question of your own!
[Q]
My 19-year-old babysitter drives my children
to school, soccer practice and dance lessons. Do I need to
add her to my auto policy? Are there risks associated with
her driving?
[A]
This is a situation many parents find themselves in. Your
MetLife Auto & Home auto policy would cover you in the event
of an accident, whether you're driving the car, or your babysitter
were driving the car with your permission. (See your policy
for restrictions.) You don't need to add her to your auto
policy unless it is made available for her regular use. However,
you should be aware that drivers under the age of 25 have
the highest rate of involvement in fatal crashes of any age
group. So for safety's sake, minimize distractions by insisting
that your babysitter not talk on a cell phone while driving,
and keep the radio turned down low or, better yet, off.
[Q]
I live across the street from a lake. I have never heard of
significant flooding in this area, but how would I determine
whether or not I should buy flood insurance?
[A]
With spring's wet weather upon us, your question is timely,
especially because most standard homeowners policies exclude
flood coverage. You can find out whether your property is
in a low-, moderate- or high-risk flood area by entering your
address into FEMA's
database. Keep in mind, however, that 25 percent of all
flood claims are from people who don't live in high-risk areas.
And because of the recent boom in new housing developments,
the land's natural runoff pattern might have changed from
what a 10-year-old flood map shows.
Flood
insurance from MetLife Auto & Home could cost as little
as $112 a year, and it covers more than just the structure
of your home. It also covers debris removal, damage to your
contents and more. Go to metlifeyourlife.com for details.
[Q]
We travel to Florida in the winter. If our luggage is stolen
out of our car or our hotel room, does our home or car insurance
cover any of the loss?
[A]
Sunshine and fresh oranges sound like heaven this time
of year! Relax and enjoy your vacation, knowing that your
MetLife Auto & Home homeowners or renters policy may cover
personal property stolen from your car and hotel room. It's
worth noting that your car insurance has a limit on theft
of personal items, such as clothes and luggage, so this is
a good example of why also having home or renters insurance
is a good idea. And remember, you could save up to 10
percent on your premiums when you have multiple
policies with us-savings that can help fund next year's trip.
Got
a Question?
Email it to us at editor@MetLifeYourLife.com.
Or, write to us at: MetLife, Your Life, Dept. LN304, 1716
Locust St., Des Moines, IA 50309.
We regret
that due to volume we are unable to respond individually to
questions.
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