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MetLife
Auto & Home solves your insurance issues
Follow
the links below to find answers to the questions of interest
to you -- or ask a question of your own!
[Q]
I’m a weekend musician who owns some pretty decent equipment.
Is it covered while transporting it to the gig and while at
the gig?
[A]
It depends. Yes, standard home insurance does provide
coverage for musical equipment. But there are restrictions.
It will only reimburse you for damages from named perils such
as fire and lightning. It won’t cover bizarre and unusual
happenings (like an overeager fan who spills a pitcher of
beer onto your equipment) or mysterious disappearance (like
a violin that—poof!—goes missing while you’re setting up).
So if you’re an amateur who plays for fun, consider adding
Scheduled
Personal Property (SPP) to your policy. SPP can cover
almost anything that could happen to your instruments, and
it often has no deductible.
Most standard
policies limit coverage on instruments used professionally.
Contact a MetLife Auto & Home agent or representative about
your options. See policy for restrictions.
[Q] My 7-year-old son often brings his friend home for
a playdate. What would happen if that child were injured while
playing inside my house?
[A]
If you have home, condo, or renters insurance, you likely
have automatic liability coverages that will protect you in
case a person -- such as your child’s friend -- were injured
at your house. These coverages include personal liability,
which protects you if you’re legally liable for injuries to
other people either on or off your property. It also covers
the costs to defend lawsuits brought against you. Medical
Payments to Others coverage pays reasonable medical expenses
if a person got hurt on your property, regardless of fault.
See policy for restrictions.
[Q]
If my windshield were damaged by a stone
and I had it replaced by MetLife Auto & Home, would this count
as an accident? Would I not get the $50 Deductible Savings
Benefit (DSB)* that year for being accident-free?
[A]
DSB awards auto policyholders with a $50 credit every year
they don't have claims. You could earn up to $250, which would
be applied to your comprehensive or collision deductible in
the event you did have an accident. A glass or towing claim
does not count against you.
*DSB is
available in most states. In NY, drivers must pay a state-mandated
minimum deductible before using the benefit.
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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