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.

MetLife Auto & Home 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.


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

Is Your Music Equipment Covered While You’re on the Road?

Learn what your homeowners policy covers and when you might want to add additional coverage for your equipment.

Q. I’m a weekend musician who owns some pretty decent equipment. Is it covered while I’m transporting it to the gig and while at the gig?

A. It depends. Yes, standard home insurance does provide limited coverage for musical equipment. But there are restrictions. If you use the instruments and equipment in a business for economic gain, even if only part-time and for modest income, most homeowners policies cap the coverage amount at a low limit. This is even lower if the equipment is damaged, lost or stolen outside your home. The policy reimburses you only for damages from named perils such as fire and lightning. It doesn’t cover bizarre and unusual happenings, such as an overeager fan who spills a pitcher of beer onto your equipment, or a mysterious instrument disappearance.

So if you’re an amateur who plays for fun or professionally, consider adding Scheduled Personal Property (SPP) to your policy. SPP lets you choose the amount of insurance and covers almost anything that could happen to your musical equipment, without any deductible. Most standard policies limit coverage on instruments used professionally. Contact MetLife Auto & Home about your options. See policy for restrictions.

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