Dwelling Coverage – Helps protects your home and the structures directly attached to it. This can include coverage for electrical wiring, plumbing, heating and air conditioning as well as larger structures like staircases and walls. Tip: Choose the right amount of coverage – enough to cover the cost to rebuild your house in the case of a total loss.
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When it comes to online resources, don’t expect much information or assistance from MetLife. Its website is barebones, with nothing more than a seven-question FAQ and landing page. Also, only people in 10 states have the option to get a quote online. For those who like to do extensive research online before making a call to a sales person, MetLife won’t have the online presence to satisfy a purchasing decision.
In the event of a disaster, it’s vital that you obtain the right amount of coverage — that’s what’s going to pay for your repairs and/or a full rebuild. Your coverage limits for personal belongings and other structures are related to the amount of coverage on your dwelling, so you’ll have better protection for all your property if you lift your dwelling limit. “If you have a mortgage, your lender may only require you to purchase a policy with enough coverage to protect their interest — particularly if you have a low balance,” says Christina Moore, a compliance and risk management VP at SWBC. “But in the event of a substantial or total loss, the cost of rebuilding your property could be much more, leaving you with potentially large out-of-pocket expenses.”
Whole life is permanent insurance — you’re insured throughout your lifetime, or until the policy matures, as long as you continue to pay your premiums per terms of the contract. And those premiums will stay level as long as the policy remains in force. Over time, permanent insurance typically accumulates a cash value that can be accessed2 for a variety of purposes while you’re still alive.
Yes. MetLife’s one year term products (including products underwritten by Metropolitan Tower Life Insurance Company and Metropolitan Life Insurance Company ) offer affordable protection when you require insurance for the short term. These products are designed to provide the right amount of protection when it’s needed most, or to supplement a policy you already have. Premium rates can be found here. For more information contact MetLife's Specialized Benefit Resources at 877-638-3932, and press 2 for New Business.
When you shop insurance with Al Boenker, you’re not just another face in the crowd. Our team of professional insurance agents are devoted to customer satisfaction and making sure that your financial and insurance needs are met. As an independent insurance agency, we care for the members of our community because we’re a part of the Dallas/Fort Worth community. We provide a one-stop insurance shop for the best auto insurance, home insurance, commercial insurance, and motorcycle insurance plans, process your claim in a friendly and timely manner, and keep track of your coverage to adjust with your ever changing insurance needs!