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.

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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.

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

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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.


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Know Your Home’s Wiring

Help prevent wiring from sparking an electrical fire.

Your home’s wiring is hidden, so it can be difficult to spot problems before it’s too late. However, familiarizing yourself with how wiring works and learning warning signs can help you detect issues early and avoid costly damage caused by electrical fires.


How Wiring Works

Your home’s wiring starts at the service panel, which delivers electricity to different areas of the house. The service panel also helps prevent wires from overheating and causing an electrical fire. When a surge occurs, a circuit breaker within the panel trips or a fuse blows to shut down power.

How electricity travels from the service panel throughout the house depends on the type of wiring system in place. There are three types:

  1. Knob-and-tube: This system uses porcelain tubes to protect insulated copper wire conductors and is supported by porcelain knobs nailed to the lumber. This type of wiring was installed in homes through the 1940s. Due to its age and lack of grounding, knob-and-tube wiring is considered a fire hazard.
  2. Aluminum: This was used as an inexpensive replacement for copper in the 1960s and 1970s. Though cheaper, aluminum wiring can be a fire risk because overheating can occur where the wire attaches to outlets and other fixtures.
  3. Grounded: This system was first installed in homes in the 1940s, and it’s still used today. It’s considered the safest wiring system because it safeguards against electric shock.

For more detailed information about how wiring works, visit the Electrical Safety Foundation.


How to Identify Wiring Hazards

Have a qualified electrician periodically inspect the wiring in your home—especially if it is more than 40 years old. If you’re not sure when the wiring was last inspected, look for a date and an electrician’s signature on your service panel door.

You also can regularly review your home’s electrical system for signs that wiring is failing or no longer meets your needs. Contact a professional if you notice any of the following warnings:

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