Welcome to MetLife, Your Life®

Let us help you face life's unpredictable situations with safety tips we've gathered from years of experience. Full of educational and seasonal information, our site will help you take care of your auto, home and safety needs. Plus, you can save money along the way.

Visit MetLife.com for your current Auto and Home policy information.
Find out if you're eligible for an employee or association
membership discount. Get a free quote.

Your Auto

Keep your car in top condition with our seasonal tips and safety information. Find out what to do in emergency situations and how to deal with inclement weather that could affect your driving. We also answer common auto insurance questions.

Your Home

Keep your home safe with our maintenance tips and safety ideas. We offer guidance on what to do for regular upkeep of your home throughout the year. We also answer common home insurance questions.

Your Business

Keep your business running smoothly with these tips and insights. From liability coverage to protecting your assets, we’ll help you maintain peace of mind.

Your Belongings

Take care of your valuables with our maintenance ideas and safety tips. We'll help you protect your favorite belongings indoors and out, including your technology, recreational, and home maintenance equipment. We also answer common insurance questions.

Your Protection

Keep your loved ones safe both online and offline with our helpful advice and information. Our articles can help you reduce your risk and raise your awareness about situations that can affect your personal and online safety, including identity theft protection.

Your Trusted Solutions

Conquer your to-do list with discounts and access to seasoned professionals for home repairs, renovations and household tasks.

Commercial Insurance

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About MetLife Auto & Home

As the nation's leading provider of employer-sponsored auto and homeowners insurance, MetLife Auto & Home insures nearly 1.7 million households countrywide. Our Claims promise is to be there when our customers need us most—providing superior insurance coverage with fewer gaps and surprises.

Videos

See our video collection to learn more about protecting your property and assets.

How Your Home’s Value is Determined

Learn what insurance pays to rebuild or replace it in case of fire or a natural disaster.

Q. My MetLife Auto & Home homeowners policy has replacement cost coverage and inflation protection. How would you determine the current market value of my home if it were destroyed by fire or a natural disaster?

A. There is a key difference between replacement cost and market value. It is rare for the two to match. Market value doesn’t play into replacement cost coverage. MetLife Auto & Home will calculate the replacement cost of your house—that is, the amount of money it would take to rebuild the home you lost. The market value of a home—what someone might pay for it on the open market—is based upon its location.

MetLife Auto & Home calculates the replacement cost of your house—that is, the amount of money it takes to rebuild the home you lost. Replacement cost coverage is based on the cost of rebuilding, including the necessary debris removal. A home’s market value—what someone might pay for it—is based on its location.

Take this example from California: The market value of a 900-square-foot house on the beach could be $1 million. But is the house itself worth $1 million? No. If it were destroyed by fire, the insurance company would pay to rebuild the structure, which might cost only $300,000. Remember, it’s the land that’s worth so much money in this instance.

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