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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 to Insure Your Home Against Mold

Find out whether your homeowners insurance policy will cover mold removal.

Q. What provisions in a typical homeowners insurance policy will cover mold removal? Is an extra premium required?

A. Mold, fungus, and dry or wet rot are generally covered only if it is the result of damage to something that is caused by a covered peril on your insurance policy. However, if mold starts to grow in your home because of improper or inadequate home maintenance, then the policy will not provide coverage.

There are many instances in which your policy will tackle mold issues. Let’s say you are gone on vacation when a drain backs up, soaking your carpeting. By the time you discover the damage a week later, mold has started to grow. If your home policy has Back Up of Sewer, Drain, and Sump Pump Coverage, MetLife Auto & Home would pay the costs to repair or replace the carpeting—and, in the process, clean any mold—up to the appropriate limit of insurance. In some states, Back Up coverage is optional, in others it’s automatically provided. Check your policy’s Declarations to confirm whether you have this valuable coverage and the limit on how much it will pay. We offer various limits from $2,000 to $250,000 in nearly all states.

The presence of mold makes even the simplest situation complicated; coverages and limits vary from state to state. Contact your MetLife Auto & Home® representative for answers specific to your policy.

 

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