Best Cheapest Life Insurance Companies in Radcliffe,Iowa

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Home Insurance

Whether it’s a house, condo, or apartment, there’s no place like home. Protect the place you call home with our flexible and customizable coverage.

Important Notice

Important Notice

The Farmers Insurance Group® has acquired the MetLife Auto & Home business from MetLife, Inc.

Our Products

Homeowners Insurance

Our customizable coverage gives you peace of mind when unexpected disasters strike.

Renters Insurance

Protect your rental space and the personal belongings inside it.

Condo Insurance

Designed specifically to protect you from costs your master policy doesn’t cover.

Insurance for Landlords

Protect your rental units and private structures so you can rent with confidence.

In the event of tornadoes, hail, fire, theft and more, rebuild your home and replace lost or damaged property with no surprising costs or gaps in coverage.*

Fullcosttorebuild

Our renters insurance provides coverage for your belongings in case of losses like fire or theft.

Comprehensivecoverageto

Your personal property and space likely aren’t covered by the condo’s master insurance policy. Get peace of mind with customized condo insurance.

Replacementcostcoverage

Landlord rental property insurance provides all the essential property and liability coverage options you would need to protect your investment property and yourself. 

Bundle & Save 

Find the right coverage for you and save when you bundle with MetLife Auto & Home®. Others have saved an average of $9061 a year

Umbrella Insurance

Concerned that your basic policy won’t cover everything? Protect your assets from the unknown with an added layer of liability coverage.

Why MetLife Auto & Home?

Why MetLife Auto & Home?

Smart Savings

Smart Savings

Special group discounts and bundling your home and auto insurance are just a few ways that could save you hundreds.

Convenience

Convenience

Request a quote and purchase a policy on your own terms, whenever you're ready.

Customizable Coverage

Customizable Coverage

Select what features and benefits fit your lifestyle and budget to create a customized coverage option. 

We are here when you need us

We are here when you need us

Out expert agents offer 24/7 assistance and support to help you through any situation. With MetLife Auto & Home, you’re never alone.

From Our Experts

Need Help?

Have a question about your policy? Looking to find the right coverage option for your needs? Need to upgrade a policy to cover more? We’re here to help!

TESTIMONIAL

good insurance

For Our Renters

Homeowners FAQs

Can I get a discount through my employer or association?

Yes, you may be eligible for an additional discount because of your employer or your membership in certain associations or groups. 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?

There are a few ways you can save on your homeowners insurance with MetLife Auto & Home®.

I’ve never had an insurance claim. Shouldn’t my home insurance costs be going down?

Even if you’ve never had a claim, your insurance costs can still rise over time, although it’s probably rising slower than it is for people who submit claims. Premiums are based on a number of factors in addition to loss history, including:

What’s the process for filing a claim?

Immediately following a loss, call MetLife Auto & Home's claim service team at 1-800-854-6011. You should also:

When can I expect to receive a settlement check, and whose name will appear on the check?

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 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), 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?

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:

Can I make changes online to my homeowners policy?

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 service requests, contact our customer service center for assistance. To report a claim, please contact our 24/7 Claims Department at 1-800-854-6011.

Condo FAQs

Why do I need condo insurance?

As a condo owner, your condo association probably has a master insurance policy that covers a portion of the physical building and grounds. However, this policy likely doesn’t cover your personal property, private structures, or property that’s your responsibility under your property owner’s agreement. This includes updates or improvements you’ve made to your condo, personal liability, or legal costs if something happens in your condo and you’re sued. Having your own insurance policy to enhance the master policy of your building ensures that you’re covered, just in case.

What’s covered with condo insurance from MetLife Auto & Home?

Our condo insurance policies provide comprehensive coverage with the following features:

Replacement cost coverage covers you in case you experience a loss in your condo that may not be covered by the master insurance policy. This includes any improvements or upgrades you’ve made to your condo and personal property you own (such as your furniture).2

Loss assessment protection covers you in case a common area is damaged from a covered loss and the damage isn’t entirely covered by the condo’s master insurance policy. For example, if an elevator sustains damage from lightning and the cost to fix it exceeds what the master policy covers, you and other condo owners may be asked to contribute to make up the difference. With loss assessment coverage, you may not have to pay out of pocket if something like this occurs.2

Liability protection protects your assets from personal liability, so if someone is hurt or their property is damaged, you will be held responsible.

Legal defense covers court costs if you’re sued for a covered claim. We’ll help you pay for attorneys, document preparation, or other related legal expenses.

Your personal belongings are covered worldwide, so that no matter where you are, you’ll be covered if they are damaged or stolen.

Water backup coverage is optional coverage that will pay for loss if water backs up and damages your condo or belongings. Coverage includes: a back up through sewer or drains and sump pump overflow.2

Can I get a discount through my employer or association?

Yes, you may be eligible for an additional discount because of your employer or your membership to certain associations or groups. 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 condo insurance premiums?

There are a few ways you can save on your condo insurance with MetLife Auto & Home:

Safety discounts are available in most states. Your premiums will be lower if your condo 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 and 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.

How can I locate a contractor for repairs?

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:

Can I make changes to my online condo policy?

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 service requests, contact our customer service center for assistance. To report a claim, please contact our 24/7 Claims Department at 1-800-854-6011.

Renters FAQs

Why do I need renters insurance?

Renters insurance provides protection for all your belongings in case something bad happens, such as a fire or burglary. While your landlord is responsible for many things in your rental unit (such as plumbing and the roof), your personal belongings aren’t covered, even if your landlord has an insurance policy.

What does renters insurance from MetLife Auto & Home Cover?

All of our renters insurance policies include:

What other renters insurance features are available?

In some states, we also offer four specialty coverage packages, which can be added to your basic renters policy. These packages cover electronics, musical instruments, recreational/sports equipment, and luxury items. It features broader, all-risk coverage, which means everything is protected regardless of where or how they were lost or damaged. We will repair or replace them without deduction for depreciation.2

-You can choose up to $5,000, $10,000, or $15,000 of coverage depending on the value of your items within these packages.(3)

- In addition to broader coverage, some of these specialty packages also come with a bonus coverage that provides protection if these items break down or do not work correctly.

- Each specialty coverage package has its own $100 deductible. Choose one or all of these packages, depending on your needs.

- To find out if your state is eligible, contact a MetLife Auto & Home representative today.

How can I save on a renters insurance policy from MetLife Auto & Home?

In addition to our competitive premiums, you may qualify for discounts, including:

Claim-free discounts—you can save when you don’t have any losses with us.3

Multi-policy discount—choose us for your renters and auto coverage, and you’ll be rewarded with our “Home Policy Plus” discount.

Protective devices discount—if you install safety and security devices in your rental unit, you could secure significant savings.

Can I get a discount through my employer or association?

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

Can I make changes to my online renters policy?

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 service requests, contact our customer service center for assistance. To report a claim, please contact our 24/7 Claims Department at 1-800-854-6011.

Landord FAQs

What types of insurance for landlords do you offer?

We have two types of policies: Landlord’s Rental Dwelling insurance and Landlord’s Rental Condo insurance. Whether you’re a landlord with multiple rentals, or you’re just leasing your home or condo, we’ve got a policy to suit your needs.1

What does insurance for landlords cover?

The following benefits are available with any policy you choose:

What other features and benefits do the insurance for landlord policies offer?

In addition to our basic policy, we offer two different options to protect you from out-of-pocket costs, if you ever have to repair or rebuild your investment property: 

Extended limits coverage will safeguard you against unexpected increases in building and repair costs, protecting you if the dwelling’s replacement cost exceeds the policy’s Coverage A limit.  If the amount of insurance selected for the dwelling prior to the loss turns out to not have been enough, Extended Limits Coverage provides 25% more insurance to cover the extra need.

Find the right Home insurance today.

Find the right Home insurance today.

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*Subject to policy term and conditions.

1 Savings based on our 2021 countrywide research of new call center customers’ annual average savings on auto and home insurance in 2020. Statistics do not reflect sales of the product sold on MetLife Auto & Home MyDirect®.

2 See policy for restrictions.

3 Specialty Coverage Packages not available in all states. Call MetLife Auto & Home or your local agent for availability.

4 Identity Protection Services are available in NC homeowner policies with the optional "Identity Theft Expense and Resolution Plus" endorsement for an additional premium.

Renters FAQs - disclosures below  

1 Subject to deductible. See policy for restrictions.

2 Subject to policy exclusions.

3 Details vary by state.

Landlord FAQs - disclosures below 

1 Landlord's Rental Dwelling Insurance is not available in all states. 

Coverage, rates, discounts, and policy features vary by state and product, and are available in most states to those who qualify. Policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, contact your local MetLife Auto & Home representative or the company. 

MetLife Auto & Home is a brand used by Metropolitan Property and Casualty Insurance Company (a MA licensee) and certain of its affiliates: Economy Fire & Casualty Company, Economy Premier Assurance Company, Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, MetLife Auto & Home Insurance Agency, Inc., Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. The Farmers Insurance Group® has purchased all the entities described above. Farmers did not purchase Metropolitan General Insurance Company.

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