Home Insurance Overview

Overview
FAQ
Superior Claim Service

Overview

Home insurance is a key part of a smart financial plan.

Your home is your greatest asset. Whether your home is a house, townhouse, mobile home, apartment, or a personal condo, you can protect your residence and the precious belongings inside with the right MetLife Auto & Home^® insurance policy. Coverage for landlords and renters is also available.

Policies provide*:

Coverage for the contents of your home, such as furniture, clothes, and TVs
Damage to your property resulting from many covered causes including lightning, fire, smoke, windstorm and theft¹
Liability coverage for judgments, court fees and legal defense expenses from lawsuits resulting from injuries anyone sustains on your property
Superior 24/7/365 claim service

MetLife Auto & Home insurance also provides superior 24/7/365 claim service.

No Down Payment Banner

MetLife Auto & Home's insurance solutions:

Homeowners Insurance: if you own your home.

Condo Insurance: if you own a personal condo.

Renters Insurance: if you rent a house, apartment, or condo.

Insurance for Landlord: if you are a landlord renting your property out.

Mobile Home Insurance: if you own a mobile or manufactured home.

FAQ

Home Insurance Claims

Collapse All

Expand All

What should I do immediately following a loss?

Contact your agent or call MetLife Auto & Home's claim service team:

By phone: 1-800-854-6011
By fax: 1-866-743-1546

Please be proactive. Protect yourself and your property from further damage by following some simple tips:

Complete temporary repairs to your property immediately—for example, patching walls or roofs, or covering shattered windows with plywood and/or heavy-duty plastic
Save receipts and invoices associated with any emergency repairs to give to your claim adjuster
File a report with the police department and keep a copy for your adjuster if you’ve been robbed, making sure to include a detailed list of the items damaged or stolen
Make a room-by-room, written assessment of all damaged property, including descriptions, original costs, and approximate ages of all items

How soon will someone come to see my damaged home or belongings?

Once you've reported your claim to us, we will have a claim specialist contact you within 24 hours. The claim specialist will review your damages, help organize temporary repairs, or emergency services, if needed, and establish a date for inspecting the damages.

When can I expect to receive a settlement check?

You’ll receive a settlement check from MetLife Auto & Home, as soon as we've confirmed coverage and completed an investigation and comprehensive damage estimate. We will make every effort to issue payment on the claim as quickly as possible. If necessary, you will receive other authorized supplemental checks once proper reinspections are performed or when your claim adjuster prepares a supplemental estimate.

Whose name will appear on a settlement check?

We may be required by state laws and policy language to include any mortgagees/ lien holders on your settlement check(s). If a mortgagee/lien holder’s name appears on your settlement check(s), the mortgagee/lien holder must sign off on the check before it can be cashed. You should contact your mortgagee/lien holder directly to determine the process for co-signing/cashing settlement checks.

I have Replacement Cost (RC) coverage. How will you pay my claim?

In the event of a covered loss, we first pay you the Actual Cash Value (ACV) for the damage to your property. When you replace the item or complete the specified repairs, we pay you the difference between the replacement cost and the actual cash value amount previously paid. The total amount you will be reimbursed is subject to the terms and conditions of your particular policy, including deductible and limits.

When do I pay my deductible?

MetLife Auto & Home will give you a complete damage estimate after a loss. This estimate will show the total dollar amount of your covered loss, less your deductible and depreciation (if applicable), and the net amount we will pay toward the loss.

How can I locate a contractor for repairs?

MetLife Auto & Home has arranged with Crawford Contractor Connection network to provide construction repairs following a property loss. Your claim service associate would be glad to assist you in verifying that this service is available in your area, as well as scheduling an inspection of your property. This network of professional contractors provides:

Over 2,200 certified General/Specialty contractors nationally
Two-year warranty on materials and labor provided
Continuous contractor credentialing process
Financial stability of the firm
Proper licensing
Worker's comp. insurance protection for the contractors
Strict performance standards that are monitored and measured

Understanding Your Home Insurance Premium

Collapse All

Expand All

I've never had an insurance claim. Shouldn't my home insurance costs be going down?

Even if you’ve never had a claim, your insurance costs can still rise over time, although it's likely that they're rising slower than for those who submit claims. That's because premiums are based on a number of factors in addition to loss history, including:

Your home's age and type of construction
How much it will cost to rebuild your home from scratch (both the cost of materials and regional labor costs are taken into consideration)
The risks of loss associated with where you live. Is there a high risk of wildfires? Hurricanes? Is it a high crime area? Insurance companies monitor weather patterns, how quickly a fire department can get to a home, how close the nearest hydrant is to a property, as well as loss statistics in your area, among other factors which bear on past and prospective loss experience and expenses.
Fraud. Sadly, increased lawsuits and fraud contribute to rising insurance costs

How can I lower my insurance premiums?

You may qualify for premium discounts by taking the following preventive measures:

Installing fire prevention systems, such as automatic sprinkler systems, smoke detectors, and fire extinguishers
Installing theft prevention systems, such as central burglar/fire alarms and deadbolt locks

Discounts are available in most states to those who qualify.

Consider purchasing a home policy with an auto policy from MetLife Auto & Home—it could save you up to 10%²

Consider choosing a higher deductible. The higher your deductible, the lower your premium. But always make sure that, you will be financially prepared to pay the deductible, if you have a loss.

Superior Claim Service

Count on us, 24 hours a day, 7 days a week, 365 days a year

Whenever you need us, we'll be there. You can report a claim to us at 1-800-854-6011, 24 hours a day, 7 days a week, 365 days a year (make that 366 days during a leap year). Our knowledgeable representatives will answer all your questions and speed along the resolution of your claim.

MetLife Auto & Home Contractor Referral Network

We pay for all of the necessary repairs covered by your policy*. But when customers choose contractors from our network of licensed and credentialed service providers, the work is done to meet your satisfaction and includes a two-year warranty from the contractor on any service completed

Special hands-on disaster claim processing

Whether it's a raging wildfire or a violent tornado, in times of crisis, MetLife Auto & Home draws on its strength and decades of expertise to help customers in need.

To facilitate claims- handling for those who have experienced natural disasters, MetLife Auto & Home dispatches its National Catastrophe Response Team and catastrophe response vehicles to hardest hit areas. Our claim associates are on the ground as quickly as possible to help secure shelter, guide you through temporary repairs, issue advance checks and loaded stored value cards for immediate expenses, and promptly compensate you for covered damage to your property¹ .

Multiple ways to submit claims. Because we know that life is chaotic after a natural disaster, we’ve developed a variety of ways you can submit claims. You can reach us immediately:

By phone at 1-800-854-6011, 24/7/365
By fax. We receive loss information by fax at 1-866-743-1546.
By email. We can always be reached at MET_CAT@metlife.com.
Customers who sustain damage from flooding and have flood insurance should call 1-800-759-8656.

Think ahead

There's a lot you can do to prepare for a disaster, including making a detailed list of the things you own. We've made that job easier with our free Personal Property Inventory Kit. Be sure to keep a copy of your inventory somewhere other than your house.

Here are some more helpful tips to help you prepare for a natural disaster before it happens.

^{* See policy for terms, conditions, and restrictions.}

¹ See policy for restrictions. Some losses settled at actual cash value. Losses may be subject to a deductible.

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Metropolitan Casualty Insurance Company , Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), 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.

Like most insurance policies, MetLife Auto & Home's policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. For complete costs and details, see your MetLife Auto & Home Representative.