[Q] With rising property values, how can I be sure I have enough insurance should something major happen to our home?
[A] First, you need to estimate how much it would cost to completely rebuild your house, keeping in mind that rebuilding costs are typically higher than new construction costs. At MetLife Auto & Home, we use sophisticated projections to help calculate the replacement cost of your home. Then we recommend inflation protection, which adjusts your limits annually to reflect any increases in value due to inflation. Finally, you may want to consider Replacement Plus/Coverage A Plus (sometimes referred to as full replacement cost), which assures that you will have the right amount if needed to completely rebuild after a loss (a deductible may apply). MetLife Auto & Home is one of the few companies that will repair your home following a covered loss no matter what it costs. (Most companies cap at 125% or less of coverage A.) Contact your MetLife Auto & Home representative for assistance.

[Q] I recently lost my job and opened my own business. Right now, it's just me, my computer and a phone. Do I need to change my insurance?
[A] A MetLife Auto & Home homeowners or renters policy has an automatic limit on the amount it could pay to cover damage to business equipment for a home-based operation. Your policy also excludes coverages for liability damages that arise while you're conducting business. Ask your agent or representative about adding a business endorsement to your existing policy or about a separate policy for your business.

[Q] A guest slipped on the fresh snow on my walkway. Can she sue me?
[A] Anyone can file a lawsuit; whether it has merit is a different story. Talk to your insurance agent immediately. Rest assured, however, that your homeowners policy generally provides protection if you are found legally liable for injuries that occur on your property. Your policy also covers the costs to defend such lawsuits. Keep in mind that the judgment in a lawsuit may exceed the limits on your policy. To protect yourself, you may want to increase the limits of liability on your homeowners policy or consider purchasing a personal excess liability or "umbrella" policy. Talk to your agent.

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