Contact MetLife: All fields are required

By clicking Submit, you agree that we* may contact you at the number you've provided, possibly using automated technology or a prerecorded voice, to talk about our products and services. If you don't want to give this permission, you can still get a quote or make a purchase by calling us directly at 1-800-638-5433

*A MetLife company or third party acting on MetLife's behalf.

Thank you for contacting us.
Someone from MetLife will be reaching shortly to provide you help.
Error!
An error occured while submitting your information.

CALL: 1-800-METLIFE

Homeowners Insurance

Help protect your residence, inside and out.

  • Customizable coverage offers peace of mind in the event of tornados, hail, fire, theft, vandalism, and more. You can even replace the contents in your home—without deduction for depreciation—if you ever experience a loss.1
  • Additional features available that will pay you the full cost to rebuild your home if necessary, even if it’s more than the amount for which your home was insured.
  • Liability coverage ensures that if you’re sued from a mishap on your property, your legal fees are covered.
  • Identity Protection Services are included with every policy.2
  • Excellent customer service: 24/7 claims and flexible payment plans.
I need to learn more about homeowners insurance.
Video
FAQs
How can I lower my homeowners insurance premiums?

There are a few ways you can save on your homeowners insurance with MetLife Auto & Home®.

  • Safety discounts are available in most states. Your premiums will be lower if your home has fire prevention systems, such as fire alarms, automatic sprinkler systems, smoke detectors, and fire extinguishers. Theft prevention systems, like central burglar alarms and deadbolt locks, may also qualify you for discounts.
  • Bundle your auto and home insurance. Consider purchasing a home policy with an auto policy from MetLife Auto & Home—it could save you up to 10%. Check out our Bundle & Save page for more details.
  • Consider choosing a higher deductible. The higher your deductible, the lower your premium. But always make sure that you’re financially able to pay your deductible if you have a loss.
  • See if you’re eligible for group discounts. If your employer or association offers home insurance, you could save even more. Call an agent to find out if this is available to you.
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 probably rising slower than for people who submit claims. 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 for this.
  • 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.

What’s the process for filing a claim?

Immediately following a loss, contact your agent or call MetLife Auto & Home's claim service team—call 1-800-854-6011. You should also:

  • Take pictures of all damage and 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.

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

When can I expect to receive a settlement check, and whose name will appear on the check?

You’ll receive a settlement check 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’ll receive other authorized supplemental checks once proper re-inspections are performed or when your claim adjuster prepares a supplemental estimate. 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), they must sign off on the check before it can be cashed. You should contact them 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’ll first pay you the actual cash value for the damage to your property. When you replace the item or complete the specified repairs, we’ll pay you the difference between the replacement cost and the actual cash value amount previously paid. The total amount you’re reimbursed is subject to the terms and conditions of your particular policy, including deductible and limits.

How can I locate a contractor for repairs?

MetLife Auto & Home has arranged with Crawford Contractor Connection network to provide construction repairs. Your claim service associate can check to ensure that this service is available in your area and schedule an inspection of your property. The network provides:

  • Over 2,200 certified General/Specialty contractors nationally
  • A two-year warranty on materials and labor provided
  • Continuous contractor credentialing process
  • Worker's comp. insurance protection for the contractors
  • Strictly monitored performance standards

Find the right homeowners insurance today.

We can help you find solutions to meet your unique needs. Just fill out the form—there's no obligation.

Contact MetLife: All fields are required

By clicking submit, you agree that we* may contact you at the number you've provided, possibly using automated technology or a prerecorded voice, to talk about our products and services. If you don't want to give this permission, you can still get a quote or make a purchase by calling us directly at 1-800-638-5433.

*A MetLife company or third party acting on MetLife's behalf.

Thank you for contacting us.
Someone from MetLife will be reaching shortly to provide you help.

1 See policy for terms, conditions, and restrictions. Coverage not available in all states. Please check your policy for availability. Some losses settled at actual cash value. Losses may be subject to a deductible. Coverage A Plus is capped in some states, such as FL. 

2 Identity Protection Services are available in NC homeowner policies with the optional "Identity Theft Expense and Resolution Plus" endorsement for an additional premium.

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 (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.

This information, although a reasonable description of the coverage provided, does not constitute part of the policy or binder of insurance and shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this information, the provisions of the policy shall prevail. It is therefore important that you read your policy carefully for complete details. This policy has exclusions, limitations, reductions of benefits, terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. 

© 2016 MetLife Auto & Home