You’ve worked hard to get where you are today. And as a result, it’s likely you have many assets that need insurance protection — one or more homes, cars and maybe a boat, motorcycle or RV. As your assets have grown, your insurance coverages may have become complex. Now’s the time to simplify. With GrandProtect, you get one policy package, one bill and exceptional coverages from one of America’s most trusted insurance companies. GrandProtect is designed for customers with high-value assets with features that:
• protect all of your assets
• minimize gaps in coverage, and
• deliver the best in value and personal service.
Offered exclusively by MetLife Auto & Home, a member of the MetLife family, this single policy package is customized to cover virtually all your insurance protection needs — and it’s delivered with the same dedicated service that MetLife and its affiliates have provided customers for over 140 years. Ask your MetLife Auto & Home representative how GrandProtect can provide all the insurance protection, convenience and service you desire for your unique needs and lifestyle. Then you decide if it’s the insurance solution you’ve been looking for.
Financial Strength and Security MetLife Auto & Home offers best-in-class products and earned an “A” (Excellent) rating5 from A.M. Best Company (2011), the insurance industry’s leading authoritative analyst. What’s more, MetLife Auto & Home was the first insurer to offer Identity Theft Resolution Service to home customers at no additional cost. This valuable service is now automatically provided with most of our auto and home policies.
MetLife Auto & Home® Where you’re not just covered, you’re truly protected ®
MetLife Auto & Home companies are subsidiaries of MetLife, Inc. For more than 140 years, families have counted on MetLife, MetLife Auto & Home’s affiliate, for a full range of financial products and services, and for high quality, trustworthy performance.
Uncommon protection, maximum peace of mind We developed GrandProtect especially for customers who have high-value assets and demanding insurance requirements — yet also desire unparalleled protection, service and convenience. We invite you to compare GrandProtect with your current policy. See how this innovative policy package delivers where most other insurance policies do not.
Contact Us Today To learn how MetLife Auto & Home can help you build your own personal safety net, visit our website at www.metlife.com or contact your local representative. 5
Ranking is based on A.M. Best Company’s independent opinion of our financial strength and ability to meet our ongoing insurance policy and contract obligations. It is based on a comprehensive quantitative and qualitative evaluation of our balance sheet strength, operating performance and business profile. The A rating is the second highest rating among nine levels. This information, although a reasonable description of the coverages and services provided or available, does not constitute part of the policy or binder and shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this information, the provisions of the policy shall prevail. It is therefore important that you read your policy carefully for complete details.
Coverage/Policy Feature Excellent Claim Service
MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates and discounts are available in most states to those who qualify. Met P&C®, MetCasSM and MetGenSM are licensed in Minnesota.
®
One Bill One Deductible
One Solution For All Your Coverage Needs Auto • Home • Landlord’s Rental • RVs • Boat • Personal Excess Liability
MetLife Auto & Home 700 Quaker Lane PO Box 350 Warwick, RI 02887 MPL 4692-000 (0412) © 2012 MetLife Auto & Home L0412254871(exp0315)(xCA, MA, NC) PEANUTS © 2012 Peanuts Worldwide
One Policy Package that can Protect All Your Assets
Replacement Cost for Total Losses Identity Protection Services plus reimbursement Identification Recovery Worldwide Auto Liability Coverage Blanket Property Limit A Trusted and Stable Financial Partner
GrandProtect
Your Current Policy
You’ve worked hard to get where you are today. And as a result, it’s likely you have many assets that need insurance protection — one or more homes, cars and maybe a boat, motorcycle or RV. As your assets have grown, your insurance coverages may have become complex. Now’s the time to simplify. With GrandProtect, you get one policy package, one bill and exceptional coverages from one of America’s most trusted insurance companies. GrandProtect is designed for customers with high-value assets with features that:
• protect all of your assets
• minimize gaps in coverage, and
• deliver the best in value and personal service.
Offered exclusively by MetLife Auto & Home, a member of the MetLife family, this single policy package is customized to cover virtually all your insurance protection needs — and it’s delivered with the same dedicated service that MetLife and its affiliates have provided customers for over 140 years. Ask your MetLife Auto & Home representative how GrandProtect can provide all the insurance protection, convenience and service you desire for your unique needs and lifestyle. Then you decide if it’s the insurance solution you’ve been looking for.
Financial Strength and Security MetLife Auto & Home offers best-in-class products and earned an “A” (Excellent) rating5 from A.M. Best Company (2011), the insurance industry’s leading authoritative analyst. What’s more, MetLife Auto & Home was the first insurer to offer Identity Theft Resolution Service to home customers at no additional cost. This valuable service is now automatically provided with most of our auto and home policies.
MetLife Auto & Home® Where you’re not just covered, you’re truly protected ®
MetLife Auto & Home companies are subsidiaries of MetLife, Inc. For more than 140 years, families have counted on MetLife, MetLife Auto & Home’s affiliate, for a full range of financial products and services, and for high quality, trustworthy performance.
Uncommon protection, maximum peace of mind We developed GrandProtect especially for customers who have high-value assets and demanding insurance requirements — yet also desire unparalleled protection, service and convenience. We invite you to compare GrandProtect with your current policy. See how this innovative policy package delivers where most other insurance policies do not.
Contact Us Today To learn how MetLife Auto & Home can help you build your own personal safety net, visit our website at www.metlife.com or contact your local representative. 5
Ranking is based on A.M. Best Company’s independent opinion of our financial strength and ability to meet our ongoing insurance policy and contract obligations. It is based on a comprehensive quantitative and qualitative evaluation of our balance sheet strength, operating performance and business profile. The A rating is the second highest rating among nine levels. This information, although a reasonable description of the coverages and services provided or available, does not constitute part of the policy or binder and shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this information, the provisions of the policy shall prevail. It is therefore important that you read your policy carefully for complete details.
Coverage/Policy Feature Excellent Claim Service
MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates and discounts are available in most states to those who qualify. Met P&C®, MetCasSM and MetGenSM are licensed in Minnesota.
®
One Bill One Deductible
One Solution For All Your Coverage Needs Auto • Home • Landlord’s Rental • RVs • Boat • Personal Excess Liability
MetLife Auto & Home 700 Quaker Lane PO Box 350 Warwick, RI 02887 MPL 4692-000 (0412) © 2012 MetLife Auto & Home L0412254871(exp0315)(xCA, MA, NC) PEANUTS © 2012 Peanuts Worldwide
One Policy Package that can Protect All Your Assets
Replacement Cost for Total Losses Identity Protection Services plus reimbursement Identification Recovery Worldwide Auto Liability Coverage Blanket Property Limit A Trusted and Stable Financial Partner
GrandProtect
Your Current Policy
One Provider One Policy Package One Bill One Deductible
GrandProtect
®
One Policy Package
Worldwide Coverage
All the coverage you will need to protect your personal assets, in one convenient policy package.
Wherever you travel, GrandProtect gives you worldwide liability protection (automobile and personal) and coverage for your tangible personal property. (We recommend verifying the automobile insurance regulations within any country to which you are traveling.)
One Bill All of your personal insurance coverages are consolidated on one easy-to-track billing statement, with your choice of flexible payment options.
One Deductible With GrandProtect, you pay only one deductible for any one loss — even if more than one type of property is damaged. If you had separate policies for each type of coverage, you would typically pay separate deductibles1.
Unparalleled Protection
Comprehensive Coverage You’ll appreciate GrandProtect’s no-surprises coverage, which greatly expands your Comprehensive Coverage protection. In other words, unless a loss is specifically excluded in the policy, it’s covered!
Identity Protection Services plus reimbursement With GrandProtect, you’ll be insulated from becoming a victim of one of today’s fastest growing crimes: identity theft. MetLife Auto & Home’s Identity Protection Services protect against inconvenient and often challenging surprises, such as credit card or medical identity theft. And Identity Protection Services are part of this policy package at no extra charge2. With Identity Protection Services, you’ll receive one-on-one personal assistance from one of our identity theft resolution experts, who can provide information or guidance in any potential identity breach. Expert customer assistance is offered at every life stage including child records, travel, tax,
military service and change in marital status. A call to us will start the process of restoring, replacing and protecting personal information and is not recorded as a claim. As an added bonus for being a GrandProtect customer, you’ll also benefit from our identity theft reimbursement.
Full Replacement of Damaged Assets At MetLife Auto & Home, we don’t want you to ever be surprised by expensive gaps in your insurance protection. With GrandProtect’s full replacement cost coverage on your auto3, home and most possessions, we’ll repair or replace covered possessions with no deduction for depreciation. This means that if your auto is totaled in a covered loss within its first year or 15,000 miles, whichever comes first, we would repair or replace it with a brand new auto. And if you ever need to rebuild your home due to a loss, your GrandProtect home coverage would provide for the current cost to rebuild at the time the repair is made — even if that cost exceeds the amount shown on your policy.
Service You Can Trust We are committed to providing our GrandProtect customers with unsurpassed service and support. Whenever you have an insurance question or concern, our insurance representatives are prepared to provide the information you need to make smart decisions based on your lifestyle and assets. And if you need to file a claim or have a question regarding your coverage, our caring, knowledgeable Claim Specialists are here when you need them, anytime of day or night — 365 days a year — at 1-800-854-6011.
Comprehensive Products and Services MetLife and its affiliates offer a full range of valuable financial products and services, including: • Life Insurance4 • Disability Income Insurance 4 • Critical Illness Insurance • Estate Planning Assistance 1 2
No-Surprises Coverage GrandProtect reduces worry about coverage limits that are associated with traditional homeowners policies. With GrandProtect’s Blanket Property Limit, any loss is covered up to the sum of all coverage limits provided for a dwelling, private structures and personal property.
3
4
Earthquake and volcanic eruptions are excluded.
Identity Protection Services are not available to auto customers in NC or NH nor with all policy forms. Identity Protection Services are available in NC homeowner policies with the optional “Identity Theft Expense and Resolution Plus” endorsement for an additional premium. This does not apply to a substitute auto, an auto you do not own, or a vehicle leased under a long-term contract of six months or more. Vehicle must be previously untitled to qualify. Policy must include Comprehensive Coverage. Subject to deductible. Offered by Metropolitan Life Insurance Company, 200 Park Ave., New York, NY 10166.
SIMPLIFY
You’ve worked hard to get where you are today. And as a result, it’s likely you have many assets that need insurance protection — one or more homes, cars and maybe a boat, motorcycle or RV. As your assets have grown, your insurance coverages may have become complex. Now’s the time to simplify. With GrandProtect, you get one policy package, one bill and exceptional coverages from one of America’s most trusted insurance companies. GrandProtect is designed for customers with high-value assets with features that:
• protect all of your assets
• minimize gaps in coverage, and
• deliver the best in value and personal service.
Offered exclusively by MetLife Auto & Home, a member of the MetLife family, this single policy package is customized to cover virtually all your insurance protection needs — and it’s delivered with the same dedicated service that MetLife and its affiliates have provided customers for over 140 years. Ask your MetLife Auto & Home representative how GrandProtect can provide all the insurance protection, convenience and service you desire for your unique needs and lifestyle. Then you decide if it’s the insurance solution you’ve been looking for.
Financial Strength and Security MetLife Auto & Home offers best-in-class products and earned an “A” (Excellent) rating5 from A.M. Best Company (2011), the insurance industry’s leading authoritative analyst. What’s more, MetLife Auto & Home was the first insurer to offer Identity Theft Resolution Service to home customers at no additional cost. This valuable service is now automatically provided with most of our auto and home policies.
MetLife Auto & Home® Where you’re not just covered, you’re truly protected ®
MetLife Auto & Home companies are subsidiaries of MetLife, Inc. For more than 140 years, families have counted on MetLife, MetLife Auto & Home’s affiliate, for a full range of financial products and services, and for high quality, trustworthy performance.
Uncommon protection, maximum peace of mind We developed GrandProtect especially for customers who have high-value assets and demanding insurance requirements — yet also desire unparalleled protection, service and convenience. We invite you to compare GrandProtect with your current policy. See how this innovative policy package delivers where most other insurance policies do not.
Contact Us Today To learn how MetLife Auto & Home can help you build your own personal safety net, visit our website at www.metlife.com or contact your local representative. 5
Ranking is based on A.M. Best Company’s independent opinion of our financial strength and ability to meet our ongoing insurance policy and contract obligations. It is based on a comprehensive quantitative and qualitative evaluation of our balance sheet strength, operating performance and business profile. The A rating is the second highest rating among nine levels. This information, although a reasonable description of the coverages and services provided or available, does not constitute part of the policy or binder and shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this information, the provisions of the policy shall prevail. It is therefore important that you read your policy carefully for complete details.
Coverage/Policy Feature Excellent Claim Service
MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates and discounts are available in most states to those who qualify. Met P&C®, MetCasSM and MetGenSM are licensed in Minnesota.
®
One Bill One Deductible
One Solution For All Your Coverage Needs Auto • Home • Landlord’s Rental • RVs • Boat • Personal Excess Liability
MetLife Auto & Home 700 Quaker Lane PO Box 350 Warwick, RI 02887 MPL 4692-000 (0412) © 2012 MetLife Auto & Home L0412254871(exp0315)(xCA, MA, NC) PEANUTS © 2012 Peanuts Worldwide
One Policy Package that can Protect All Your Assets
Replacement Cost for Total Losses Identity Protection Services plus reimbursement Identification Recovery Worldwide Auto Liability Coverage Blanket Property Limit A Trusted and Stable Financial Partner
GrandProtect
Your Current Policy
You’ve worked hard to get where you are today. And as a result, it’s likely you have many assets that need insurance protection — one or more homes, cars and maybe a boat, motorcycle or RV. As your assets have grown, your insurance coverages may have become complex. Now’s the time to simplify. With GrandProtect, you get one policy package, one bill and exceptional coverages from one of America’s most trusted insurance companies. GrandProtect is designed for customers with high-value assets with features that:
• protect all of your assets
• minimize gaps in coverage, and
• deliver the best in value and personal service.
Offered exclusively by MetLife Auto & Home, a member of the MetLife family, this single policy package is customized to cover virtually all your insurance protection needs — and it’s delivered with the same dedicated service that MetLife and its affiliates have provided customers for over 140 years. Ask your MetLife Auto & Home representative how GrandProtect can provide all the insurance protection, convenience and service you desire for your unique needs and lifestyle. Then you decide if it’s the insurance solution you’ve been looking for.
Financial Strength and Security MetLife Auto & Home offers best-in-class products and earned an “A” (Excellent) rating5 from A.M. Best Company (2011), the insurance industry’s leading authoritative analyst. What’s more, MetLife Auto & Home was the first insurer to offer Identity Theft Resolution Service to home customers at no additional cost. This valuable service is now automatically provided with most of our auto and home policies.
MetLife Auto & Home® Where you’re not just covered, you’re truly protected ®
MetLife Auto & Home companies are subsidiaries of MetLife, Inc. For more than 140 years, families have counted on MetLife, MetLife Auto & Home’s affiliate, for a full range of financial products and services, and for high quality, trustworthy performance.
Uncommon protection, maximum peace of mind We developed GrandProtect especially for customers who have high-value assets and demanding insurance requirements — yet also desire unparalleled protection, service and convenience. We invite you to compare GrandProtect with your current policy. See how this innovative policy package delivers where most other insurance policies do not.
Contact Us Today To learn how MetLife Auto & Home can help you build your own personal safety net, visit our website at www.metlife.com or contact your local representative. 5
Ranking is based on A.M. Best Company’s independent opinion of our financial strength and ability to meet our ongoing insurance policy and contract obligations. It is based on a comprehensive quantitative and qualitative evaluation of our balance sheet strength, operating performance and business profile. The A rating is the second highest rating among nine levels. This information, although a reasonable description of the coverages and services provided or available, does not constitute part of the policy or binder and shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this information, the provisions of the policy shall prevail. It is therefore important that you read your policy carefully for complete details.
Coverage/Policy Feature Excellent Claim Service
MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates and discounts are available in most states to those who qualify. Met P&C®, MetCasSM and MetGenSM are licensed in Minnesota.
®
One Bill One Deductible
One Solution For All Your Coverage Needs Auto • Home • Landlord’s Rental • RVs • Boat • Personal Excess Liability
MetLife Auto & Home 700 Quaker Lane PO Box 350 Warwick, RI 02887 MPL 4692-000 (0412) © 2012 MetLife Auto & Home L0412254871(exp0315)(xCA, MA, NC) PEANUTS © 2012 Peanuts Worldwide
One Policy Package that can Protect All Your Assets
Replacement Cost for Total Losses Identity Protection Services plus reimbursement Identification Recovery Worldwide Auto Liability Coverage Blanket Property Limit A Trusted and Stable Financial Partner
GrandProtect
Your Current Policy
