MetLife Auto & Home is a personal lines insurance brand acquired by Farmers Insurance Group in 2021 in a $3.94 billion transaction. The brand continues to operate as part of Farmers’ multi-brand strategy, offering auto, home, condo, renters, and umbrella insurance through both direct channels and group affinity programs across the United States. ABOUT METLIFE AUTO & HOME MetLife Auto & Home traces its origins to the original Metropolitan Life Insurance Company, founded in 1868. The auto and home insurance business operated under the MetLife brand for decades before Farmers Insurance acquired the personal lines operations in 2021. Today, MetLife Auto & Home continues serving more than 4 million policies primarily through employer-sponsored group programs, affinity partnerships, and individual direct channels. The company maintains an A+ (Superior) financial strength rating from AM Best, backed by Farmers Insurance Group’s substantial resources. Operations are based in Warwick, Rhode Island with claims and customer service operations supporting customers across all states where the brand is available. PRODUCTS OFFERED MetLife Auto & Home offers comprehensive personal lines insurance including auto insurance with multiple coverage tiers, homeowners insurance with dwelling and contents protection, condo insurance, renters insurance, landlord insurance for rental properties, mobile and manufactured home insurance, boat and watercraft insurance, RV and motorhome insurance, umbrella liability insurance, and identity theft protection. KEY STRENGTHS MetLife Auto & Home’s primary strengths include strong group and affinity program partnerships that provide enhanced discounts for members of qualifying employers and organizations, competitive pricing for affinity members that often beats standalone insurance rates, comprehensive coverage options across multiple personal lines, established brand recognition through the MetLife heritage, integration with Farmers’ larger network for shared services, and identity theft protection included with most home policies. ELIGIBILITY REQUIREMENTS MetLife Auto & Home accepts most standard risk applicants but offers some of its best pricing through employer-sponsored programs and affinity partnerships. Individual customers can access coverage through direct channels, but group program members often receive enhanced pricing not available to walk-in customers. STATES SERVED MetLife Auto & Home writes business in most US states, though specific product availability and pricing vary by state due to regulatory differences and market conditions. Following the Farmers acquisition, some state operations have been consolidated or rebranded as part of the broader Farmers organization.
