I have this through my employer but I also bought the dependent and extra accident insurance and both were very affordable! My father had this insurance also and when he passed away in 2015 they were very easy to work with!
I recently had a claim on my home that contractor said an insurance company would not probably pay.
The adjuster was awesome and told me we were a team and they would review and they look for coverage. They did and other companies said this was a gray area. Metlife auto and home took the gray area and covered my claim. Thank you to the awesome Charlotte, NC office team!!!