MetLife Home and Auto Insurance Review

metlife home and auto

If you are thinking about getting MetLife Auto and Home insurance, you may want to review the features of the policy. Rates are just one feature. Learn more about Coverage options, Customer service, and Affinity discounts. Then decide if you want to get coverage. In addition, you can pay your premiums monthly or yearly. Several payment options are available, including monthly deductions from your paycheck. In addition, you can pay your premiums with a credit card, bank account, check, or money order.

Rates – MetLife Home and Auto Insurance

Consumer Affairs lets consumers rate companies based on their overall customer experience and policy coverage. The Consumers Advocate gives a score to each insurance carrier based on how stable the company is and how much it satisfies consumers’ needs. In 2018, the National Association of Insurance Commissioners rated MetLife with a score of 1.64, with more complaints than the average company. MetLife offers three basic homeowner insurance packages – dwelling, other structures, and personal property. The insurer also offers medical payments, personal liability, and loss of use coverage.

Customer service is mixed. Customers have mixed reactions to MetLife customer service. While the company offers reasonable rates to crash victims, their car insurance service is below average. Customers who prioritize customer service will likely be happier with other providers. The company’s website lists basic coverage options for auto and home insurance, including liability, personal property, loss of use, and medical payments. Customers can also opt for guaranteed replacement cost coverage for their homes. Choosing this type of coverage is particularly important because the cost of repairing or replacing a home increases with age, and the company will charge higher premiums if past claims have occurred.

Customer service standards are high. MetLife scores 817 out of 1,000 on the customer satisfaction index but falls short of the industry average of 835. The company’s complaints are almost exclusively related to difficulties in claims processing or unexpected fees. MoneyGeek analyzed average quotes for a sample driver in every state. The company’s annual cost of $1686 is well below the national average. Aside from its overall performance, MetLife’s reputation is better than its competitors.

Coverage options – MetLife Home and Auto Insurance

Consumers can rate companies they’re considering for their insurance policies using the Consumers Advocate. These agencies grade companies on their reputation, policy coverage, and stability. These organizations also track complaints to state insurance departments. In 2018, MetLife received more complaints than the average company. Its basic home insurance coverage packages include coverage for personal property, liability, and loss of use. Customers can also choose guaranteed replacement cost coverage. Because home repair and replacement costs rise with age, a homeowner can choose to increase their coverage to cover these increases. In some cases, past insurance claims will also raise the premiums.

Consumers should be aware that MetLife has received mixed reviews from national names in the industry. However, AM Best rates MetLife Superior for financial strength. While the Better Business Bureau reports that MetLife has a large number of complaints, consumers should keep in mind that the company offers significant discounts and some unique coverage options. In addition, consumers can choose to deal with a local agent or do their research online. However, consumers should be aware that many national insurance companies have higher customer satisfaction scores than MetLife.

In addition to standard Met life home and auto insurance coverage options, MetLife also offers several optional coverages that are competitive with competing insurance companies. This ensures a level of peace of mind for the customer. The coverage options that MetLife provides include replacement of damaged cars, repairs of special parts, and enhanced rental car damage coverage. For instance, MetLife covers rental cars when the vehicle is totaled. But, in some cases, the coverage doesn’t cover stolen parts.

Customer service

MetLife’s customer service is second to none. Not only do they provide excellent service, but they also strive to meet their customer’s needs. You’re more than a policy number to MetLife, so they’ll go above and beyond to meet your needs. For example, filing a claim is simple and their claims department works quickly to process your claim. Not only do they provide great service, but they also offer excellent rates without sacrificing coverage.

Affinity discounts

Affinity discount programs from MetLife allow members of a particular organization to save money on car insurance. The discounts are available to employers and affiliated organizations and can total up to 30% of the cost of the policy. To receive an affinity discount, a member of a certain organization must enroll in a program through a specific employer. Upon enrollment, a member will receive a certificate and an e-mail with details on how to redeem it.

Another example of an affinity discount is MetLife’s offer to United States Power Squadron members. Similarly, affinity discounts are available for college and university alumni groups. Companies such as Liberty Mutual offer discounts to members of more than 14,000 organizations, associations, and companies. To learn more about affinity discounts, visit their website. The information provided here can help you decide whether to join a group or not. The benefits are endless!

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