This is a sponsored post on behalf of MetLife. All opinions are my own and were not influenced by any parties.
For many Americans, one of their dreams is to own a house. It is something that they claim as their own. But, a house is more than just bricks and wood. It’s a place where your life happens.
Your house is more than a building. It is the place where you raise your children. Behind the door is where could have your family gatherings. You will laugh, cry and celebrate your life with the people you love.
Your home becomes a part of you and your family. That’s why you need to protect your investment. It is why we all need homeowners insurance.
THE COST OF INSURANCE
One of the steps you take when purchasing a home is to ensure it works within your budget. There are countless insurance companies who offer “fast, budget friendly” coverage, but do they really? We all want to save money, but you don’t want to do so at the cost of your coverage.
Buying insurance for your home is not something you should take lightly. And, cost is not the only factor to consider when getting insurance. You need to keep in mind the company behind the policy.
The idea is to never have to use your insurance, but when it is needed, you need to feel confident that the right company is there to help you.
Cheaper is not always better. So, it’s important that you don’t allow cost to be the only factor you consider when purchasing your homeowners insurance policy.
If you spend money on an insurance policy with a company you can’t trust, then that policy may end up costing you more in the long run.
THE OLD WAY OF GETTING INSURANCE
When my husband and I bought our home, we did the same thing everyone else did to get insurance. We called our agent and asked for a policy. We answered all of his questions and when we were done, we thought we had insurance. But – we didn’t. We had to wait for it to go through a lengthy home office underwriting approval process.
While that never took long, we had some fear and worry. What would happen if there was that lapse in coverage and we had a loss? But, we had no choice. This is how it was and we just had to deal with it.
But, times have changed.
THE NEW WAY TO GET INSURANCE QUICKLY
We are all busy. Most of us run from work to sports and kids’ events. We don’t have extra time in our days. Whether you are just starting your life after college, or raising your family, you just don’t have extra time to deal with personal administration. You need to find a way to take care of your needs as quickly and painlessly as possible.
And, if you just bought a home, your life is even busier! Let’s face it, buying a home and moving is pretty exhausting and time consuming. Fortunately, buying homeowners insurance no longer is.
As times and technology change, so does the way we do everything. We order everything we need on our phones – from shoes to auto insurance. We want everything with a few clicks of your mouse. And, homeowners insurance is no different.
There are many choices online, and I am not an agent, but I found MetLife Auto & Home to be easy. It designed the first 100% online, self-service insurance that is available to residents of many states. There may be states where the products are not available, but you can find all that information directly from the carrier once you’re at the portal. MetLife Auto & Home has made it really simple for users.
Online, you, the homeowner, are control of quoting, buying and servicing your insurance with a few clicks on your phone or computer. You can get the insurance you need, so you can get back to your life – including unpacking the kids toys!
HOW DOES IT WORK?
The process is not only quick, but it is also convenient and budget friendly.
First, you need to find a site, like MyDirect.MetLife.com*. You will answer a few questions to go through the quoting process. Once that is complete, the website will recommend a coverage option. Alternatively, you can customize a policy based on your individual needs and budget.
Then, once your policy is in place, you can access all of your insurance information through the same site. That makes it easy to update your policy, find information you need and even file a claim when necessary.
If you need to submit a claim, you can just log into your account and do so there. When the claim is ready to be paid, the funds can be submitted to your account via direct deposit. The entire process can be tracked every step of the way.
WHAT MAKES THIS DIFFERENT?
There are many carriers to choose from, but I found MetLife Auto & Home to be different, as it is the first company to completely offer everything you need for your home insurance needs, 100% online. From the quote to buying and even filing a claim, it is all available at your fingertips 24/7. You never have to pick up the phone, sit on hold nor wait for return calls.
Everyone of us is different. We have different jobs, homes and lifestyles. Some of you play it safe, while others of you are risk takers. No matter how you live your life, insurance is a good idea, and accessing it online from a company such as MetLife Auto & Home is worth checking out.