Metlife Home And Auto Insurance: Is It Worth It?

MetLife offers auto and home insurance with 24/7/365 claim service. The company provides discounted auto insurance that can be customized based on the customer's needs and budget. MetLife also offers customizable home insurance policies for houses, condos, or apartments, with discounts for those who purchase auto and home insurance together. However, it is worth noting that there is limited information and customer reviews available for MetLife's auto and home insurance services, with one source indicating a 1-star rating.

Discounts and customisation

MetLife's Auto and Home Group Insurance is offered by Farmers GroupSelect. It provides discounted auto insurance that can be customized based on the customer's needs and budget. The program offers special employee discounts, automated payment options and discounts, claim-free driving rewards, and multi-policy savings. Customers can also benefit from 24/7/365 claim reporting and replacement cost coverage on their homes.

The auto insurance offered by Farmers GroupSelect allows customers to customize their policies based on their unique needs and budget. This flexibility ensures that customers only pay for the coverage they require, potentially resulting in significant savings. Additionally, those with a good driving record can benefit from claim-free driving rewards, further reducing their insurance costs.

For home insurance, Farmers GroupSelect provides customizable policies for homeowners, condo owners, or renters. By offering customizable policies, Farmers GroupSelect allows customers to protect their homes and belongings based on their specific needs. This can include replacement cost coverage, which ensures that the insured can rebuild their home after a covered loss, even if the cost exceeds the policy's limit (subject to deductible). This provides customers with peace of mind, knowing that they have the financial protection to restore their homes in the event of a disaster.

Another notable feature of MetLife's home and auto insurance is the opportunity for customers to save by purchasing both policies together. By bundling their home and auto insurance, customers can take advantage of multi-policy savings, reducing their overall insurance costs. This not only simplifies their insurance portfolio but also provides a more affordable option for comprehensive protection.

Overall, MetLife's Auto and Home Group Insurance, offered by Farmers GroupSelect, provides customers with customizable and discounted insurance options. Through special employee discounts, claim-free driving rewards, and multi-policy savings, customers can design insurance plans that fit within their budgets while still providing the coverage they need to protect their homes and vehicles.

Multi-policy savings

MetLife offers auto and home insurance through Farmers GroupSelect, which provides customers with customizable insurance policies and discounts.

MetLife's multi-policy savings allow customers to save money by purchasing auto and home insurance policies together. This means that employees can save money on benefits they need, with some saving hundreds by making the switch.

The auto insurance offered by Farmers GroupSelect includes discounted insurance that can be customized based on the customer's needs and budget. For example, customers can be rewarded for claim-free driving.

The home insurance offered by Farmers GroupSelect includes customizable policies for houses, condos, or apartments. Customers can also benefit from replacement cost coverage, which covers the cost of rebuilding the insured's home after a covered loss, even if it exceeds the policy's limit.

24/7 claim reporting

MetLife offers 24/7/365 claim reporting for its auto and home insurance customers. This means that customers can report a claim at any time of day or night, every day of the year, and receive assistance. This is especially important for those who have experienced a sudden or unexpected event that requires immediate attention, such as a car accident or a home break-in.

The 24/7 claim reporting service provides customers with peace of mind, knowing that they can rely on prompt support and assistance whenever they need it. It also ensures that customers can initiate the claims process as soon as possible, which can be crucial in mitigating the impact of the incident and preventing further damage or loss.

To make the claims process as smooth and efficient as possible, MetLife provides clear instructions and guidance on its website. Customers can find information on the steps to take when filing a claim, as well as answers to frequently asked questions. This includes details on the documentation required, such as claim forms, death certificates, and other supporting documents.

For auto and home insurance claims, MetLife provides a dedicated phone line, 1-800-854-6011, which customers can call at any time to initiate the claims process and receive assistance. This 24/7 availability ensures that customers can get the help they need when they need it, providing support and reassurance during what may be a stressful and challenging time.

Overall, the 24/7 claim reporting service offered by MetLife is a valuable feature of their auto and home insurance policies, providing customers with the assurance that their insurance company is there for them around the clock, ready to assist and guide them through the claims process.

Identity protection

MetLife + Aura Identity and Fraud Protection is an all-in-one solution designed to protect your personal information and privacy. It offers powerful 24/7 protection, monitoring your identity, passwords, accounts, and financial accounts, and notifying you of any suspicious activity.

The service provides dark web monitoring, alerting you to any threats to your personal information, SSN, or home titles. It also helps to remove your personal data from online sources to prevent it from being sold by data brokers. MetLife + Aura also offers parental controls, covering unlimited minors and 10 additional adults.

The service provides instant credit file locking and device security, protecting your devices from malware, ransomware, and spyware. It blocks phishing and scam sites, as well as phone scams and spam with an AI-powered call assistant.

MetLife + Aura is accessible through an easy-to-use app, available on all devices. It provides fraud alerts within minutes of detecting a threat, and offers $5 million in ID theft insurance and white-glove fraud resolution services.

The solution is designed to be simple and automated, so employees will use it and stay protected. It is the highest-rated solution in the App Store (4.6 stars) and is highly rated by industry experts.

Inflation protection

How Inflation Protection Works

Application to Home Insurance

Coverage Areas

Inflation guard typically applies to dwelling coverage, which pertains to the structure of your home. It may also extend to other structures on your property, such as sheds or fences, and in some cases, personal property coverage. This ensures that the replacement cost coverage, which is meant to cover the expenses of rebuilding your home at current prices, remains adequate even as the prices of building materials and labour rise.

Additional Considerations

While inflation guard is a standard feature in many home insurance policies, it may be optional or added as an endorsement in others. If it's not included in your policy, you can consider requesting your insurer to add it. Additionally, it's important to note that even with inflation protection, your home insurance premium will likely increase at a slower rate than your coverage.

In summary, inflation protection is a valuable component of home insurance, safeguarding you from the potential financial risks associated with underinsurance. By ensuring your coverage keeps pace with inflation, you can have peace of mind knowing that you're adequately protected against unforeseen events that may require repairing or rebuilding your home.

Frequently asked questions