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Included, Optional Coverage, Discounts

GrandProtect Information Home Manual


Amendatory Endorsement 11/10

Dwelling Coverage

  • Covers the cost of materials and labor to rebuild after a covered loss.
  • All Peril

Other Structures

  • Covers the structures not attached to the main dwelling.

Personal Property

  • Covers the contents of the home.
  • Replacement cost available.

Perils Insured Against:

  • Fire or Lighting.
  • Windstorm and Hail.
  • Explosion.
  • Riot or Civil Commotion.
  • Aircraft.
  • Vehicles.
  • Smoke.
  • Vandalism or Malicious.
  • Theft.
  • Falling Objects.
  • Weight of Ice, Snow, or sleet.
  • Discharge or Overflow of water or stream.
  • Rupturing, Cracking, Burning, or Bulging.
  • Freezing.
  • Sudden and Accidental damage from electrical currents artificially generated.
  • Breakage of glass or safety glazing material.

Special Limits

  • Money.
  • Business property off premises.
  • Securities
  • Manuscripts
  • Jewelry
  • Watercraft
  • Trailers (Not used with Watercraft)
  • Coin, currency and stamp collections.
  • Business property on premises.
  • Electronic Apparatus in Motor Vehicle.
  • Compact Discs in Motor vehicle
  • Firearms
  • Silverware
  • Computers
  • Memorabilia
  • Tools

Loss of Use

  • Covers additional living expenses after a covered loss.

Personal Liability

  • Coverage for bodily injury and property damage the insured may be liable for.
  • Can go up to $500,000. Higher limits must be approved by underwriting.

Medical Payments

  • Covers medical payments the insured may be liable for.

Additional Coverage

  • Debris Removal.
  • Reasonable repairs.
  • Fire Department Service Charge up to $750.
  • Emergency removal of property up to 30 days.
  • Emergency living expense up to $500.
  • Refrigerated contents up to $1,000.
  • ID theft and credit protection up to $1,000. (Increased limits available).
  • Data and records up to $1,500. (Does not include business)
  • Lock replacement included.
  • Reward coverage included for stolen items up to $5,000.
  • Trees, Shrubs, and Plants: $500 per item/ 5% aggregate. (Can be increased)
  • Land up to $10,000.
  • Collapse.
  • Inflation protection.
  • Landlord Furnishings up to $2,500.
  • Fungus and mold remediation up to $2,500.

Other Highlights

  • Online Services available. Including App.


  • Available deductibles: Wind/Hail deductible: 1% and 2%. AOP Deductible: $250, $500, $1,000, $2,500, $5,000, $10,000, 1%, 2%, 5%.

Optional Coverage

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Earthquake and Volcanic Eruption
  • Provides coverage for losses due to earthquake and volcanic eruption. Separate deductible. Deductible options: 5%, 10%, 15%, 20%, 25%. Not included with GrandProtect.
Replacement Cost on Contents
  • Provides replacement cost loss settlement on all contents. Available on HO-2 and homeowners, Market Value, Mobile  Home, Renters, Condominium, Landlord’s products.
Home Computer Coverage
  • Increases the coverage for home computers to $5,000. Can go up to $15,000. $50 deductible. Not available with Landlord’s, Platinum, or GrandProtect.   
Increased Loss Assessment Coverage
  • Can increase the loss assessment. Limits include: $10,000, $25,000, $50,000. Platinum and Grand Protect include $10,000. $250 deductible.
Increased Coverage on Money
  • Can increase coverage on stolen money up to $1,000. Special limit is $200. Grandprotect and Platinum provides $1,000. Not available on Landlord’s products. Increased Coverage
Increased Coverage on Silverware and Goldware:
  • Can increase coverage silverware and goldware to $15,000. $2,500 included in policy. Platinum and GrandProtect products provide $10,000 and cannot be increased. Not available on landlord products.
Increased Coverage on Credit Card
  • Can increase coverage on stolen credit cards and bank fund transfer cards to $10,000. Platinum and GrandProtect products provide $10,000. Not available on landlord products.
Private Structures Rented to Others
  • Can extend coverage to private structures on the premises that are rented to others for residential use.
Increased coverage on business property
  • Can be increased to $15,000 to cover business personal property. Special limit is $1,000. $2,500 for Platinum and GrandProtect. Not available on landlord.
Increased coverage on trees, plants and shrubs
  • Can be increased to $1000 per item for a tree, shrub or plant and 10% of coverage A. Basic policy provides $500 per item.
Backup of sewer, drain and sump pump

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  • Can add coverage to backup of sewer, drain and sump pump. Limits include $2,000, $5,000 each have a $500 deductible. $10,000, $25,000, $50,000, $100,000, $250,000 each have a $1,000 deductible.
Ordinance or Law Coverage

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  • Provides coverage for any loss due to construction, repair, demolition or zoning of the dwelling.
Business Pursuits
  • Can extend liability to business pursuits performed on the premises. Subject to underwriting. Must be the sole owner.
Watercraft Liability
  • Extends liability to cover watercraft.
Incidental Business Occupancy by You
  • Extends coverage to business pursuits for incidental businesses.
Additional Residences Rented to others

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  • Extends liability coverage to properties you rent.
Additional Residences Occupied by You
  • Extends liability coverage to other residences owned by you. Does not include a business or farm.
Personal Injury

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  • Adds coverage for personal Injury.
Incidental Farming Personal Liability

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  • Extends liability to farming on the premises.
Fungus and Mold Buyback Coverage

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  • Adds coverage for loss due to fungus and mold. Available limits include 25%, 50%, 100%.
Increased coverage on theft of tools
  • Coverage for tools can be increased to $10,000 or $15,000. $5,000 included in policy. GrandProtect provides blanket coverage for property limit.
Increased coverage on memorabilia, souvenirs and collector’s items
  • Coverage for this can be increased to $20,000. Basic policy only provides $5,000.
Actual Cash Value Loss Settlement on Roof
  • Can be added for a discount in premium.
Dwelling under construction

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  • Can be added to provide up to $10,000 to cover theft of building materials. Up to 180 days of coverage.
Specific Structures Away from Residence Premises

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  • Can extend coverage to other premises owned by the insured. Not available for landlord products.
Homeowner’s Extra

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  • Not available for landlord’s, Platinum, or GrandProtect.
  • Money increased to $500.
  • Securities increased to $2,000.
  • Manuscripts increased to $2,000.
  • Jewelry and Watches to $1,000.
  • Furs increased to $2,500
  • Trailers increased to $2,000
  • Silverware increased to $10,000
  • Pet Coverage up to $100 for losses caused by basic perils. Does not include theft.
  • Motorized Golf Carts included
  • Credit Cards increased to $2,000
  • Computer coverage increased to $2,000.
  • Personal Injury added.
Scheduled Personal Property

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  • Can be added to schedule personal property. Cameras, fine arts, furs, golfer’s equipment, guns, jewelry, coins, music instruments, silverware, stamps.

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Age of Dwelling The younger the dwelling the better the discount.
Age of insured Discount for clients 55 years or older.
Roof Covering There is a discount if the roof is covered with a hail resistant roof.
MetRewards The insured will receive a discount if they are with MetLife for over 59 months (Approx. 5 years)
Protective Devices The insured will receive a discount if they have a fire alarm, Burglar alarm, auto sprinkler system, gated community, smoke detector, deadbolt lock, fire extinguisher. All can be combined for a maximum of 20% discount. (Proof Required)
Multi-policy discount Applied if the insured has other business with MetLife.
ExpressIt payment discount Discount for using the auto-EFT option.


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