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Homeowners Insurance

Help protect your residence, inside and out.

Our homeowners insurance policies protect you if you have to rebuild your home and replace lost or damaged property, with no surprising costs or gaps in coverage.
  • Customizable coverage offers peace of mind in the event of tornadoes, 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.

Get a quote and purchase by phone at 844-577-4579. Or you can have one of our agents contact you by filling out this form.

I need to learn more about homeowners insurance.
Can I get a discount through my employer or association? Collapsed Expanded

Yes, you may be eligible for an additional discount because of your employer or your membership to certain associations or group. We recommend entering your employer or association name when you are quoting so that we can offer you the best possible price.

How can I lower my homeowners insurance premiums? Collapsed Expanded

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? Collapsed Expanded


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? Collapsed Expanded

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? Collapsed Expanded

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.

If you have Replacement Cost (RC) coverage, 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? Collapsed Expanded

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
Can I make changes to my online homeowners policy? Collapsed Expanded

We are enhancing our online insurance platform and, during this time, you will be able to view and print your policy documents and make one-time payments on your policy. ?For all other servicing requests, contact our customer service center for assistance. ?To report a claim, please contact our 24/7 Claims Department at 1-800-854-6011.

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