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 Aa3
Standard and Poors FSR AA-

FEATURES

Title
  • 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.

  • Multiple-Policy Discount You can receive a discount for having multiple insurance policies with the same company.

  • Protective Device Discount You can receive a discount if you have smoke detectors, fire alarms, burglar alarms, or other protective devices.

  • Age of Construction Discount Discounts based on the age of your home are available.

  • Age of Insured Discount Discounts based on the homeowner's age are available.

  • Claim-Free Discount You can receive a discount for remaining claim-free for a certain period of time.

  • Newly Purchased Home You can receive a discount if you recently purchased your home.

  • New/Renovated Home You can receive a discount if your home is new or recently renovated.

  • Aircraft Damage to your home caused by an aircraft is covered.

  • Explosion Damage to your home caused by an explosion is covered.

  • Fire Damage to your home caused by fire is covered.

  • Ice/Snow/Sleet Damage to your home caused by ice, snow, or sleet is covered.

  • Lightning Damage to your home caused by lightning is covered.

  • Plumbing Damage to your home caused by a frozen, burst, or damaged water pipe is covered.

  • Riot/Civil Commotion Damage to your home caused by a riot or civil commotion is covered.

  • Smoke Damage to your home caused by smoke is covered.

  • Theft The home insurance company covers any loss or damage to your home due to theft is covered.

  • Tornado Damage to your home caused by a tornado is covered.

  • Vandalism Damage to your home caused by vandalism is covered.

  • Water Damage to your home caused by water is covered.

  • Wildfire Damage to your home caused by a wildfire is covered.

  • Wind Damage to your home caused by wind is covered.

  • Dwelling Coverage for the cost of rebuilding/repairing your home if it is damaged by a covered peril is available.

  • Loss of Use If your home is damaged or destroyed, the insurance company will cover living expenses while repairs are made.

  • Medical Payments Coverage for medical payments is available.

  • Nationwide Availability The insurance company is available in at least 48 states.

  • Other Structures Coverage for detached garages, sheds, or other structures on your property is available.

  • Personal Liability Coverage for lawsuits associated with bodily injury or property damage that you may be responsible for is available.

  • Personal Property The insurance company covers the cost of replacing your possessions if they are destroyed by a covered peril.

  • Computer Coverage You can add computer coverage to your insurance as an additional policy or as an endorsement.

  • Earthquake Insurance You can add earthquake coverage to your insurance as an additional policy or as an endorsement.

  • Flood Insurance You can add flood coverage to your insurance as an additional policy or as an endorsement.

  • Identity Fraud Expenses You can add identity fraud expense coverage to your insurance as an additional policy or as an endorsement.

  • Landslide Insurance You can add landslide coverage to your insurance as an additional policy or as an endorsement.

  • Personal Umbrella Policy You can add personal umbrella coverage to your insurance as an additional policy or as an endorsement.

  • Scheduled Personal Property You can add scheduled personal property coverage to your insurance as an additional policy or as an endorsement.

  • Water Backup and Sump Overflow You can add water backup or sump overflow coverage to your insurance as an additional policy or as an endorsement.

  • 24/7 Claims Center You can contact a claims center 24/7.

  • Agent Claim Filing You can contact an agent to file a claim.

  • Deductibles Flexible deductibles are available.

  • Online Claim Filing You can file a claim online.

  • Telephone Claim Filing You can file a claim via telephone.

  • Mobile Claim Filing You can file a claim through a mobile app.

  • Online Photo Inventory You can upload images of your personal property to an online location to document your property and help facilitate the claims process.

  • Photo Upload You can upload photos of damaged property to assist with the claims process.

  • Locate an Agent A tool is available online to help you locate an agent.

  • Manage Your Policy You can manage your insurance policy online.

  • Online Policy Purchase You can purchase a policy entirely online.

  • Online Rate Quotes You can get a quote on the company's website.

  • Automatic Payments Payments can be scheduled automatically.

  • Credit Card Payments You can make a payment with your credit card.

  • Flexible Payment Options Flexible payment terms over different periods of time are offered.

  • Mail Payments Payments can be mailed.

  • Online Payments Payments can be made online.

  • Pay by Bank Account You can make a payment directly from your bank account.

  • Phone Payments Payments can be made over the phone.

  • Prepayment Policies can be prepaid in full, often at a discount.

  • Email/Ticket An email or ticket system dedicated to support is available.

  • Phone You can contact the company by phone to get support.

  • Social Media You can contact the home insurance company with questions through social media websites.

  • Live Chat You can contact the company through live chat.

  • A.M. Best Excellent or Better The company has an A.M. Best rating of "A" or better.

  • ICR Rating Stable The company has an A.M. Best Credit Rating rating of "Stable" or better.

  • Moody Rated Very Strong The company has a Moody's rating of "Aa3" or better.

  • S&P Rated Very Strong The company has an S&P FSR rating of "AA-" or better.

  • FAQs The company provides a list of answers to frequently asked questions.

  • Glossary The company provides a glossary of common industry terms.

  • Knowledge Base The company provides a knowledge base of detailed help articles.

  • Blog The company provides a blog with relevant insurance information.

  • Forum The company provides an interactive forum where users can post questions and answers.

  • Video Tutorials The company provides video tutorials.

  • Android An Android app that allows you to access your home insurance policy is available.

  • iPhone An iPhone app that allows you to access your home insurance policy is available.

  • Mobile Website A mobile-specific website is available.

  • Pay Premium You can pay your premium through your mobile app.

  • Claim Details You can update your home insurance claim details through a mobile app.

  • Connect with an Agent You can connect directly with an agent through a mobile app.

  • Edit Policy You can edit or change your policy details with a mobile app.

  • Favorable Mobile App Store Reviews The company has a combined 3.5 stars or greater for their iPhone and Android apps.

  • File a Claim You can initiate or file a new claim through a mobile app.

  • Tablet A tablet-based app is available.

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