Home Insurance Overview

Contact your agent or call MetLife Auto & Home's claim service team:

• By phone: 1-800-854-6011
• By fax: 1-866-743-1546

Please be proactive. Protect yourself and your property from further damage by following some simple tips:

• 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, we will have a claim specialist contact you within 24 hours. The claim specialist will review your damages, help organize temporary repairs, or emergency services, if needed, and establish a date for inspecting the damages.

You’ll receive a settlement check from MetLife Auto & Home, 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 will receive other authorized supplemental checks once proper reinspections 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), the mortgagee/lien holder must sign off on the check before it can be cashed. You should contact your mortgagee/lien holder directly to determine the process for co-signing/cashing settlement checks.

In the event of a covered loss, we first pay you the Actual Cash Value (ACV) for the damage to your property. When you replace the item or complete the specified repairs, we pay you the difference between the replacement cost and the actual cash value amount previously paid. The total amount you will be reimbursed is subject to the terms and conditions of your particular policy, including deductible and limits.

MetLife Auto & Home will give you a complete damage estimate after a loss. This estimate will show the total dollar amount of your covered loss, less your deductible and depreciation (if applicable), and the net amount we will pay toward the loss.

MetLife Auto & Home has arranged with Crawford Contractor Connection network to provide construction repairs following a property loss. Your claim service associate would be glad to assist you in verifying that this service is available in your area, as well as scheduling an inspection of your property. This network of professional contractors provides:

• Over 2,200 certified General/Specialty contractors nationally
• Two-year warranty on materials and labor provided
• Continuous contractor credentialing process
• Financial stability of the firm
• Proper licensing
• Worker's comp. insurance protection for the contractors
• Strict performance standards that are monitored and measured

Even if you’ve never had a claim, your insurance costs can still rise over time, although it's likely that they're rising slower than for those who submit claims. That's because 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)
• 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

You may qualify for premium discounts by taking the following preventive measures:

• Installing fire prevention systems, such as automatic sprinkler systems, smoke detectors, and fire extinguishers
• Installing theft prevention systems, such as central burglar/fire alarms and deadbolt locks

Discounts are available in most states to those who qualify.

Consider purchasing a home policy with an auto policy from MetLife Auto & Home—it could save you up to 10%²

Consider choosing a higher deductible. The higher your deductible, the lower your premium. But always make sure that, you will be financially prepared to pay the deductible, if you have a loss.