Milestone PNC Insurance

Agent Portal: MetLife: Renter’s

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Included, Optional Coverage, Discounts

Home Manual

Included

Amendatory Endorsement 11/10

Personal Property

  • 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

$200
  • Money.
$250
  • Business property off premises.
$1,500
  • Securities
  • Manuscripts
  • Jewelry
  • Watercraft
  • Trailers (Not used with Watercraft)
  • Coin, currency and stamp collections.
$1,000
  • Business property on premises.
  • Electronic Apparatus in Motor Vehicle.
  • Compact Discs in Motor vehicle
$2,500
  • Firearms
  • Silverware
$5,000
  • 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.

Deductibles

  • 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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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.
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.
Ordinance or Law Coverage
  • 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.
Personal Injury

View Endorsement
  • Adds coverage for personal Injury.
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.
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.
Electronics, Musical, Sports Equipment, Luxury Items (Renters)

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 ·       Provides coverage for electronic devices, Musical, Sports Equipment, Luxury Items in the home. Available limits include $5,000, $10,000, and $15,000. $100 deductible.

Discounts
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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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