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Metlife Home Insurance Review

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Founded in New York in 1868, the Metropolitan Life Insurance Company is currently one of the world's largest providers of insurance, annuities, and employee benefits. With over 145 years of experience and over 50 branches worldwide, MetLife and its subsidiaries continue to be innovators in protection planning and retirement and savings solutions for families, corporations, and governments.
 
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How is Metlife rated?

Breakdown

4.0/5
Coverage Options
4.0/5
Pricing and Discounts
4.5/5
Customer Service
4.1/5
Financial Strength
3.0/5
Add-On Coverages

Overall Rating: 4.1 / 5 (Excellent)

MetLife Inc. remains a trusted home, life, auto, accident, and health insurance provider with both extensive experience in the industry and outstanding financial strength. MetLife's Homeowners Insurance plans offer coverage for both homes and personal property, although they fail to include protection for additional structures or living expenses. Another area in which the company seems to fall behind the competition is in customer experience and satisfaction, as they seem to have garnered mostly negative customer feedback across a number of online consumer review sites. Nevertheless, MetLife remains a solid choice for homeowners looking for simple, reliable insurance coverages.

Financial Strength

Financial Strength - 4.1 / 5

As one of the largest insurance companies in the world offering life, accident, health insurance, and retirement and savings products, the Metropolitan Life Insurance Company issues reliable policies backed by their outstanding financial strength and stability. The company has received A ratings from all major credit rating agencies, including an A- from Standard & Poor's, an A3 from Moody's, and an A+ from A.M. Best.
Underwriter
Metropolitan Life Insurance Company
Marketshare
1.24%
Premiums Written
$1,135,803,408
Standard & Poor's Financial Rating
A-
Moody's Financial Rating
A3
AM Best Financial Rating
A+
*The above information reflects the financial strength of the underwriter of the Metlife home insurance policies: Metropolitan Life Insurance Company.

Customer Experience

Customer Service - 4.5 / 5

Regarding customer experience, MetLife, Inc. leaves much to be desired. Although the company maintains a solid client base composed of over 100 million customers worldwide, they have received some unfavorable reviews on sites like bbb.org, where they hold a C- rating based on mostly negative consumer feedback.

Customer Ratings

BBB Rating
C-
Number of BBB Positive Reviews
2
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
23
Date Collected
2017-10-27

Metlife Coverage

Coverage Options - 4 / 5

MetLife provides limited information on their site regarding coverages, only stating they extend customizable plans that offer peace of mind in the event of tornadoes, hail, fire, theft, vandalism, and more. They also offer a liability coverage and additional options like a guaranteed replacement coverage for both home and personal property. There may also be an identity theft protection plan included with their home insurance policies for eligible North Carolina residents willing to pay an extra premium.
Basic Coverage Types
Dwelling Protection
Personal Property Protection
Liability Protection

Pricing & Discounts

Pricing and Discounts - 4 / 5

MetLife's website does not list any discounts under Homeowners Insurance, yet they do extend savings opportunities for those who bundle their auto and home insurance plans. MetLife also fails to name policy prices but requesting an online quote from their site can be a quick, straightforward process for this particular insurance product.

Policy Discounts

  • Multi-Policy

Contact & Additional Information

Homepage URL
https://www.metlife.com/
Company Phone
(800) 638-5433
Headquarters Address
200 Park Avenue, New York, NY, 10166
Year Founded
1868

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Customer Comments & Reviews

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Nancy B
11/5/2020
We just received our bill, from the date it was generated to the day it reached us was 2 weeks. It now gives us 5 days to pay. Their note to us was they would appreciate us sending payment 10 days prior to the due date!

Nancy B
11/5/2020
We just received our bill, from the date it was generated to the day it reached us was 2 weeks. It now gives us 5 days to pay. Their note to us was they would appreciate us sending payment 10 days prior to the due date!

jujugot2b
1/27/2020
Awful to work with. Condo above me had a pipe break, flooded my home in California. Adjuster on the East Coast. Refusing to pay for damages. Said let it go to litigation. So off we go. Complete waste of my time and huge hassle. Poor business practices. Attorney said what a moron now they have to pay me.

B
bill j
4/26/2019
Metlife was a dream to work with when a hail storm hit my house and needed a roof replacement. I have no complaints at all about how the valued my roof and issued payment quickly.

B
Bill M
1/4/2019
The complaints are true. This is a terrible company to do business with.

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  • Covers common occurrences like fire or theft and accidents
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