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MetLife Review

MetLife homeowners insurance offers solid coverage against many types of damages along with several optional add-ons to ensure your policy has everything you need. However, their limited discounts might not be ideal for budget-conscious shoppers who are looking to lower their premium. Get Quotes

Fletcher Wilson

Fletcher Wilson

Homeowners Insurance Expert

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Updated: March 19, 2014

The Good

Protects from all kinds of damages:

MetLife homeowners insurance covers damage caused to your home by fire, lightning, tornado, or any other disaster. You can also purchase additional policy protection against floods, earthquakes, or landslides, which is relieving to have if you reside in an area where such natural disasters are a possibility. MetLife offers some more unique coverage options, including protection for your computer and Identity Protection Services. Finally, if you still need additional coverage, you can add personal umbrella coverage to your MetLife homeowners insurance.

Get help finding reliable contractors:

If your home is in need of repair, MetLife helps you choose a reliable contractor from their Auto & Home Contractor Referral Network. By selecting a contractor from this list, you can be sure your home will be fixed efficiently and effectively. In addition, the repairs come with a two-year warranty from the contractor so if something goes wrong during that window, you can get it fixed without having to file another claim with MetLife.

Many ways to pay:

MetLife lets you mail in your homeowners insurance payments or pay them online. You can also set up an automatic payment schedule and have your money deducted from your bank account each month without worrying about delayed payments. Prepayment is another option that may appeal to you. If that doesn't suit you, MetLife home insurance also offers several installment options. With all of these choices, you shouldn't have a problem finding a payment method that works for you.

The Bad

Lacking discounts:

Aside from bundling your home and auto insurance, there are relatively few ways to save on your MetLife homeowners insurance policy and lower your premium. You won't get a discount for remaining claim-free, and having a newly purchased or renovated home won't make a difference in your rates. If you're looking for those types of discounts, explore other companies like Allstate or Farmers Insurance.

Must contact a representative for a quote:

MetLife doesn't offer an online quote tool, so you must speak to a representative if you're interested in a MetLife homeowners insurance policy. You can either call or visit a local agent to get the process started. Although this may not be ideal if you're just shopping around and looking for a quick quote to compare with other companies, it shouldn't be too big of an inconvenience for most.

The Details

Details
AM Best FSR A+
AM Best ICR a-
Financial Size Category $2 billion or greater
FSR Outlook/Implication Stable
ICR Outlook/Implication Stable
Moodys Financial Strength A3
Standard and Poors FSR A-

Features

Home Insurance Coverages

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  • Condominium Insurance (HO6) - The insurance provider offers HO6 coverage for condos.
  • Mobile Home - You can buy insurance to protect your mobile home.
  • Rental Property Insurance - You can buy insurance to protect your rental property.
  • Renters (HO4) - The insurance provider offers renters insurance.
  • Special Form (HO3) - The insurance provider offers HO3, open perils coverage.
  • Farm/Ranch - You can buy insurance to protect your farm or ranch.
  • Older Homes (HO8) - The insurance provider offers HO8 coverage for older homes.
  • Premier Policy (HO5) - The insurance providers offers HO5 coverage that includes open perils coverage on personal property.

Homeowner Discounts

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Perils Coverage

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Policy Coverage

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Additional Policy Protection

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Claims

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Online Tools

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Payment Options

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Support

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Financial Strength

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Learning Materials

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Mobile

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Comparable Homeowners Insurance Providers

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