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MetLife Homeowners Insurance Review

A good option for replacement cost coverage

Kevin Payne is a freelance writer specializing in credit cards, student loans, personal finance, and travel.

Samantha Yadron is a freelance fact-checker, editor, and writer with expertise in health and science.

Metlife is one of the most respected names in the insurance world. Its homeowners insurance coverage is basic, but there are ways to customize it, including adding extra features such as guaranteed replacement cost coverage. The insurance company doesn’t offer much help through its website or mobile app, with customers having to call for support in most instances.

Identity protection included

Multiple discounts available

Replacement cost coverage available

Claims only by phone or email

No online quotes

Not available in all states

Pros Explained

Cons Explained

MetLife Homeowners Insurance Coverage Plan

Factors That Affect Homeowners Insurance Costs

MetLife Homeowners' Insurance Discounts

MetLife homeowners coverage is not available in all states, although specific details aren’t published on its website.

Get a MetLife Homeowners Insurance Quote

Call MetLife at 888-926-6126 to request a quote for homeowners insurance coverage or fill out a consultation request form on MetLife’s website.

MetLife Customer Service

In the J.D. Power 2021 Home Insurance Study, MetLife ranked 16th out of 21 companies in overall customer satisfaction. According to the National Association of Insurance Commissioners (NAIC), MetLife had a customer complaint index score of 1.11 in 2021. Companies with a score above 1.0 received more complaints on average.

MetLife’s customer support for homeowners insurance is available by phone at 800-422-4272. For policies purchased through an employer, you can reach customer service at 800-438-6381.

There’s also an option to receive support through MetLife’s X (formerly Twitter) account @MetLifeCares. MetLife has a mobile app available for download on iOS and Android devices. Unfortunately, the app features for homeowners insurance are limited to only viewing your policy and paying your insurance bill.

How to Make a Homeowners' Insurance Claim With MetLife

File a homeowners insurance claim through MetLife by calling 800-854-6011.

Phone support is available 24/7. A claim specialist will ascertain the details of your damage and will provide you with any necessary paperwork. Once you submit the paperwork and any supporting photos or video, MetLife will review your claim.

MetLife may also send a claims adjustor to assess the situation. If your claim is approved, you’ll receive a check to cover the approved dollar amount, minus any deductibles included in your policy.

MetLife Homeowners' Insurance Cancellation Policy

To cancel your insurance policy through MetLife, call 800-638-5433. Navigate through the prompts to request a cancellation.

Other Insurance Provided by MetLife

As one of the largest insurance providers in the US, MetLife offers several other insurance options besides homeowners coverage, including:

MetLife is ranked as a reputable insurance company with adequate coverage for homeowners and an option for individuals looking for full replacement cost coverage.

Online tools, support, and its website lack basic information about its policies, coverage options, and support. Telephone contact is recommended. It’s always a good idea to compare multiple insurance companies before deciding on the one that best fits your needs. Your home is one of your most valuable assets. Make sure you protect it with the right insurance coverage.

Methodology

Investopedia is dedicated to furnishing consumers with unbiased, comprehensive reviews of homeowners insurance providers. We reviewed each insurance provider’s coverage options, available discounts, customer services, and satisfaction ratings to ensure that our content helps users make the right insurance decision for their needs.

Policygenius. “10 Factors that Affect your Home Insurance Premiums.”

J.D. Power. “Home Insurers Struggle with Customer Loyalty as Boomers Flock to Rental Market, J.D. Power Finds.”

National Association of Insurance Commissioners. "Metropolitan Prop & Cas Ins Co National Complaint Index Report."