MetLife no longer sells renters (or other U.S. property & casualty) insurance. In connection with the April 2021 sale of MetLife Auto & Home to Farmers Group, Inc., MetLife’s most recent annual filing confirms it no longer offers P&C products, and former MetLife renters policies are now serviced by Farmers (SEC 10-K). If you’re shopping today, you’ll quote, bind, and service a renters policy with Farmers, or through certain employers via Farmers GroupSelect. The coverage, endorsements, and digital experience described below reflect Farmers’ current renters program and servicing pathway for former MetLife customers (former MetLife policyholder page).
MetLife Renters Insurance Overview
Metropolitan Life Insurance Company traces its origins to 1868 and today operates in more than 40 markets worldwide. Within the U.S., however, MetLife’s personal auto and home business was sold and integrated into Farmers; renters policies are now quoted and serviced by Farmers Insurance for former MetLife customers (Farmers: MetLife now part of Farmers). MetLife’s ongoing U.S. focus areas include group benefits (life, disability, dental/vision) and other protection businesses.
The Better Business Bureau profile for MetLife remains separate from the personal P&C business transition and is not a renters service benchmark. For philanthropic context, the MetLife Foundation’s early-pandemic response included a $25 million global commitment to COVID-19 relief, with current emphasis on financial health and inclusive economic mobility highlighted on MetLife Foundation and MetLife Sustainability pages.
PROS
- Farmers now services former MetLife renters policies and offers standard Additional Living Expenses (loss of use) coverage
- Online quoting and digital servicing through Farmers, with optional payroll deduction access via Farmers GroupSelect at participating employers
CONS
- Coverage options, endorsements, and availability vary by state and underwriting company (verify your declarations and forms)
- Replacement cost on contents is commonly an optional upgrade rather than standard in many states
- Industry satisfaction remains pressured by rising premiums per J.D. Power’s latest home/auto studies (not specific to one carrier)
- Discounts and pricing competitiveness depend on profile and bundling; results can vary without multi-policy relationships
MetLife Highlights
Methodology
For MetLife’s renters insurance review, we reflect the post-divestiture reality: MetLife no longer issues renters; former policies are serviced by Farmers. We evaluated current coverage and service pathways through Farmers, independent satisfaction studies, insurer financial strength, and complaint benchmarks. To compare renters insurers, we calculated a Reviews.com score based on the following:
- Customer Ratings– Directional benchmarks from J.D. Power’s latest studies (e.g., U.S. Home Insurance Study; U.S. Auto Insurance Study) for service and experience context.
- Coverage– Assessment of standard vs. optional renters coverages and endorsements available through Farmers and program variations via Farmers GroupSelect.
- Confidence– Insurer financial strength considerations using AM Best for applicable underwriting companies.
- Customer Experience– Complaint levels interpreted using the NAIC Consumer Complaint Index methodology (index 1.0 = median; lower is better).
The Competition
| Company | Reviews.com Score | AM Best Financial Strength Rating | J.D. Power (latest)(On a 1,000-point scale) | NAIC Customer Complaints |
| Former MetLife (serviced by Farmers) | N/A | Varies by Farmers underwriting company | N/A | See NAIC index by line |
| USAA | 3.75/5 | A++ | Evaluated but often not rank-eligible | See NAIC index by line |
| State Farm | 3.25/5 | A++ | Often above industry average | See NAIC index by line |
| American Family | 3.75/5 | A | Varies by study | See NAIC index by line |
| Allstate | 3.5/5 | A+ | Varies by study | See NAIC index by line |
| Nationwide | 3.75/5 | A+ | Varies by study | See NAIC index by line |
| Farmers | 3.5/5 | A (varies by entity) | Varies by study | See NAIC index by line |
*All information current as of 2025
MetLife vs. USAA
USAA is widely regarded for service; in J.D. Power’s recent studies, USAA is evaluated but frequently not rank-eligible. See the latest home insurance and auto insurance findings for current trends. Since MetLife no longer issues renters policies, former MetLife renters customers are serviced by Farmers. USAA remains available only to eligible military members and families.
MetLife vs. State Farm
State Farm remains a leading personal P&C insurer with broad renters availability and an extensive agent network. J.D. Power’s recent research shows home and auto satisfaction under pressure across the industry amid rate increases, though State Farm often trends at or above industry averages. Because MetLife no longer writes renters policies, compare coverage and service with Farmers (which services legacy MetLife renters) and State Farm side by side, focusing on limits, endorsements, and digital support.
The Bottom Line
MetLife no longer sells renters insurance. Former MetLife Auto & Home renters policies are serviced by Farmers (support page). New shoppers should quote directly with Farmers or, if offered at work, through Farmers GroupSelect.
Under Farmers, typical renters policies include personal property, personal liability, Additional Living Expenses (loss of use), and medical payments to others, with optional endorsements such as replacement cost on contents, scheduled personal property, water backup, personal injury liability, identity protection, and earthquake where available. Availability, names, and limits vary by state and underwriting company; review your declarations and consult Farmers renters for details.
