I recently received this letter from my home and auto insurer:


MET LIFE AUTO & HOME

08/23/06

Policy Number: 3000000000

EXCLUSIONS TO YOUR HOMEOWNERS POLICY

PLEASE READ

MetLife Auto and Home is pleased to provide you with one of the most comprehensive residential property policies in the industry today. It is important to note, however, that your policy contract contains certain exclusions for flood and earthquake coverage. This is a standard practice among property and casualty insurers.

Please read your policy contract carefully. Your homeowners policy does not provide coverage for damage from floods and flood protection is not available as a coverage option on your policy. The notice on the reverse side tells you how you may be able to obtain flood coverage should you choose to do so.

What's more, if your policy excludes coverage for damage resulting from an earthquake, a notice with detailed information regarding the exclusion appears on the reverse of the page. If your policy currently includes optional Earthquake and Volcanic Eruption coverage, it will be listed on your Declaration Page and no exclusion notice is contained on the reverse.

If you would like more information or wish to add Earthquake coverage policy, please see "How to Reach Us" in the front of your policy package for your choice of contact options.

THANK YOU FOR INSURING WITH US.