Stack up the benefits of a MetLife Auto & Home auto insurance policy against our competition and we're sure you'll agree that we beat them every time. Check out the valuable, peace-of-mind benefits listed below that come standard with most of our auto insurance policies.

New car replacement for a totaled vehicle¹

Our standard auto insurance policies automatically include full replacement cost for new vehicles -- with zero deduction for depreciation. The coverage is available if you total a new car within one year of purchase or during the first 15,000 miles as shown on the odometer, whichever comes first.

No depreciation on major parts ¹

We protect you against financial loss, even in partial losses. We'll pay to replace certain major damaged parts no matter what their wear-and-tear condition at the time of an accident, and take no deduction for depreciation. This applies to

• tires
• brakes
• battery
• shocks and more

Free glass repairs

If your windshield is chipped or cracked, we'll repair it and waive your deductible. We make it easy too, completing the repair generally in fewer than 30 minutes.

Protection from hidden rental car fees¹

If you have an accident with a rental car, MetLife Auto & Home auto insurance protects you from these "surprise" costs, which rental companies often demand from you:

• Rental income lost while the rental car was being repaired
• Claim handling expenses
• The decrease in the market value of that rental auto
• Expenses, such as towing and storage of the damaged rental auto

We also provide customers with the following:

Identity Theft Resolution Service

Identity theft is a growing problem that can affect anyone and cause financial hardships. Most MetLife Auto & Home auto insurance policy customers receive -- at no additional premium -- our Identity Theft Resolution Service. If you're the victim of identity theft, we'll assign you an identity theft professional who will help you contact creditors, sign affidavits, and more.

Earn $50 off your deductible each year you're a claim-free driver²

With MetLife Auto & Home, it pays to be a safe driver. Through our Deductible Savings Benefit², you'll automatically earn a $50 credit toward your deductible every year your household doesn't have a loss. That credit can build to $250, which you can use to reduce your deductible in the event that you submit a claim. 

Guaranteed vehicle repairs

If your vehicle is damaged in an accident, you can trust us to fix it correctly. Through our Guaranteed Repair Program, we work with more than 2,000 repair shops, where we'll guarantee the work done on your vehicle for as long as you own it. Participation in this program is optional.

Industry-leading claims service

MetLife Auto & Home was named among the industry's leaders in customer service. MetLife Auto & Home is committed to customer satisfaction.  To ensure we are providing caring, quality service, we survey our customers quarterly with a leading research company.   This helps us understand our customers’ needs and improve delivery of our value promise.

Flexible payment plans

You have your choice of various payment plans, including ExpressIT^®, which conveniently deducts payments from your bank account. This plan features no paper bills, no checks to write, and no clutter. Payment plans vary by state.