AUTO/HOME/RENTERS INSURANCE

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1 AUTO/HOME/RENTERS INSURANCE (518) or (800) , ext. 243 Visit Membership Benefits Program at

2 PEF Membership Benefits Program offers active dues paying PEF members and PEF retirees the ability to shop for the best savings on automobile, home, or renters insurance from Liberty Mutual or MetLife Auto & Home. Review the following insurance program information from Liberty Mutual or MetLife Auto & Home. Choose the carrier that best meets your coverage needs. We ve structured group savings on both carriers. Contact them directly for a free, no-obligation quote. Conveniently pay with either payroll or pension deduction and receive additional savings!

3 PEF members receive a special discounted rate of up to 10% off auto and home insurance. Along with quality coverage, expert advice, and personalized service, you could also enjoy valuable and unique benefits. Liberty Mutual Auto Coverage Protecting Yourself Protecting Your Car When You Have A Breakdown Or An Accident When You Have A Claim Discounts That Keep Pace With Your Life Liability Medical Payments Protection Uninsured/Underinsured Motorists Collision Other Than Collision 1 Mechanical Parts Replacement 2 Guaranteed Windshield and Glass Repairs Accident Forgiveness 3 New Car Replacement 4 Better Car Replacement TM 5 24-Hour Roadside Assistance Coverage 6 24-Hour Claim Assistance Fast Appraisals Guaranteed Repair Network 7 Exclusive Group Savings of Up to 10% Off 8 Multi-Car Discount Multi-Policy Discount Vehicle Safety Features Discount Good Student Discount, and More 1 You may add this coverage, sometimes referred to as Comprehensive, in case your car is stolen, damaged by vandalism, fire, or severe weather events, such as windstorms, hail, or earthquakes. 2 Car parts no matter how old damaged in an accident are fully covered. 3 For qualified customers, Accident Forgiveness is subject to terms and conditions of Liberty Mutual s underwriting guidelines. Not available in CA and may vary by state. 4 Applies to a covered total loss. Your car must be less than one year old, have fewer than 15,000 miles, and have had no previous owner. Does not apply to leased vehicles or motorcycles. Subject to applicable deductible. Not available in NC or WY. 5 Optional coverage. Applies to a covered total loss. Deductible applies. Does not apply to leased vehicles and motorcycles. Not available in NC. 6 With the purchase of optional Towing & Labor coverage. Applies to mechanical breakdowns and disablements only. Towing related to accidents would be covered under your Collision or Other Than Collision coverage. 7 Damage caused by normal wear and tear, improper maintenance, or unreasonable use is not covered. We will repair or replace any defective work of the Guaranteed Repair Network facility. Loss must be covered by your policy. Not available in AK. 8 Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

4 Liberty Mutual Home Coverage Base Policy Protection Home: Protection against losses from events such as smoke, fire, or lightning; weight of ice, snow, or sleet; windstorms 1 ; hail; theft or vandalism; and more. Possessions: Repair or replacement of personal possessions (ie., furniture, clothing & appliances) damaged or stolen as a result of a covered loss. Liability: Liberty Mutual will defend you when someone else makes a claim against you for accidentally causing a loss. Additional Coverage Options When Your Property is Damaged or Stolen Discounts That Fit Your Lifestyle Home Protector Plus TM 2 Loss Foregiveness 3 Extra Coverage for Your Valuables Home Computer and Smartphone 4 24-Hour Emergency Repair Service 24-Hour Claim Assistance Mobile Customer Response Unit Exclusive Group Savings of Up to 10% Off 5 Claims-Free Savings Protective Devices Discount Multi-Policy Discount Newly Purchased Home Discount New/Renovated Home Discount 1 Not available in all areas. 2 Optional coverage. Subject to applicable deductible, policy terms, and conditions. Not available in all states. 3 Subject to eligibility requirements. 4 Coverage and deductible vary by state. 5 Discounts and savings are available where state laws and regulations allow, and may vary by state. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

5 Liberty Mutual Rental Coverage Coverage Covers the possessions that matter to you from theft, fire, and some types of water damage, and renters coverage doesn t stop when you leave your home. Your personal property is covered in your car, when you go on vacation, even when you re moving. You re covered if you accidentally damage someone else s property or if someone was injured in your apartment. 1 Discounts Multi-Policy Discount for insuring your car and apartment with Liberty Mutual. If you already have car insurance with Liberty Mutual, call now to add Renters Insurance. Claims-Free Savings if you have not filed a claim with your previous insurance carrier for five years or more. Additional Coverages Home Computer and Smartphone: Protection for computers, peripheral devices, software, media, smartphones, and ipads. Losses will be subject to a $50 deductible. 1 Limits, terms and conditions apply. Sales: Claims: 24/7 Call (888) or visit to learn more or get a free quote. Mon.-Fri. 7am-1am EST Sat. 7am-11:30pm EST Sun. 9am-10pm EST Customer Service: Mon.-Fri. 8am-10pm EST Sat. 8am-8pm EST Sun. 11am-5pm EST Helping people live safer, more secure lives for more than 100 years, Liberty Mutual is a company you can trust.

6 PEF members could receive hundreds of dollars in savings, in addition to a special group discount of up to 10% when you use payroll or pension deduction. You could also save more with MetLife Auto & Home s superior driver discount. In addition to auto and home* insurance, MetLife Auto & Home offers other insurance policies to meet your diverse needs, including: Landlord s Rental Dwelling Condo Mobile Home Renters Recreational Vehicle Boat Personal Excess Liability BENEFIT FROM THESE PROGRAM FEATURES: One easy-to-remember, toll-free number, GET-MET 8, for all your insurance needs, such as free insurance quotes, making changes to your policy, and just asking questions. 24-hour, 7 days a week claim reporting Extended customer service hours, including weekday evenings and Saturdays Enhanced product coverages that are built into every auto policy**

7 PAYMENT OPTIONS TO MAKE IT EASIER: Choose an automated payment option payroll or pension deduction (deducted from your paycheck or checking account) and receive 10% discount (5% without payroll/pension deduction). Insurance premiums are spread throughout the policy term with no down payments, interest charges, or service fees (a down payment is required in some instances). Select direct billing as your preferred option Use your favorite credit card and you may earn valuable membership reward points*** FREE PREMIUM QUOTES AND APPLICATION PROCESSING: Since everyone s insurance policies renew at different times during the year, you may apply for group auto and home insurance at any time by calling GET-MET 8 ( ) and mention customer code BR6 when you call. Representatives are available Mon.-Thu. 8am-11pm, Fri. 8am-10pm and Sat. 9am-5pm EST. An insurance consultant will provide you with free, no-obligation premium quotes. If you choose to switch, a consultant will help you apply for insurance while you re on the phone. (Please have your insurance policy with you when you call.) Take advantage of MetLife Auto & Home* for outstanding customer service and a full suite of products to meet your diverse insurance needs. See how easy it is to switch. For a FREE price quote call MetLife Auto & Home today at GET-MET 8 ( ) or visit them online at Mention that you are a member of the Public Employees Federation and the group code is BR6. The information provided is general information only and is not a solicitation of insurance by PEF Membership Benefits Program. *Home insurance is not part of MetLife Auto & Home s benefit offering in MA & FL. ** See policy for restrictions. ***Use of debit/credit card is optional. The same insurance is available regardless of method of payment. Payments may be made by cash, check or by debit/credit card. Reward points are not underwritten or funded by MetLife Auto & Home. MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify. L [exp1216][All States][DC]

8 Troy-Schenectady Road PO Box Albany, NY (518) or (800) , ext. 243 Visit Membership Benefits Program at Updated 8/2015

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