In the process of finishing up the business aspects of moving to The Villages after two weeks of unpacking boxes, hanging a picture or two, getting FL drivers licenses and things like that. I called my former home owners insurance company (METLIFE) as I incurred some moving damages. My moving company offered insurance but I called METLIFE and they said their actual value coverage would cover my personal property for the move, so I declined coverage from UNITED and elected the 60 cents a pound option which they are obligated to provide, only after ascertaining that I had coverage (I thought). Why pay twice for coverage I thought. Well, this morning when I called METLIFE I found out. They said that I was not covered for the move, regardless of what I had been told. While the damage was not monumental, it was substantial, and .60 cents a pound will not begin to cover the damages. I read the policy first, but not being a lawyer I called. So, my warning is to make sure you don't make the mistake I did and elect the additional coverage from your carrier, which I declined, in lieu of coverage from a homeowners policy. I happen to have auto and life insurance with METLIFE too, which I'll be finding a new company to provide after lunch.
