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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 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.

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 if it’s Destroyed

Learn how your home’s value is determined if it’s destroyed by 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 our home if it were to be totally destroyed by fire or a natural disaster? 

A. Market value doesn’t play into replacement cost coverage. There is a key difference between replacement cost and market value. 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.  Replacement cost coverage, however, is based on the cost of rebuilding, including the necessary debris removal.  It is rare for the two to match each other.

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, and even a fire wouldn’t change the desirability of that oceanfront property.

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