MetLife Auto & Home
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
No verified official MetLife underwriting or appetite guide was found for MetLife Auto & Home. Current official positioning indicates this is an employee/group benefit distribution program rather than a standalone carrier underwriting portal. The active program is marketed as MetLife Auto and Home / Auto and Home Group Insurance Program, but coverage is underwritten by Farmers Property & Casualty Insurance Company and certain affiliates through Farmers GroupSelect, not by MetLife directly. Published materials emphasize consumer benefit features and employer-group distribution rather than risk appetite, class eligibility, or detailed submission rules. Preferred business, based on the official program description, is employees or group members seeking personal lines coverage for auto and residential risks, including home, condo, and renters, with bundling encouraged; the page also references value-added services such as ID theft protection, repair networks, and payroll-deduction/group discounts where available. No official MetLife source located in this refresh provided a formal preferred/target risk matrix, restricted occupancy/class list, protection class/construction guidance, loss-history thresholds, or explicit boat/watercraft underwriting criteria. Geographic note: the Farmers GroupSelect program is stated as available in most states to qualified applicants, but the program itself is not available in California; for California, the page states coverage may still be available for qualified applicants through Farmers entities, but without the group, payroll deduction, and employment tenure discounts. Submission/broker notes: business appears to flow through the employer-sponsored/group benefit channel, and MetLife’s broker site provides general broker resources, compensation information, and business/broker contacts, including an Auto & Home commissions contact point, but no verified official producer submission manual or broker appetite guide for Auto & Home was found. Operationally, treat this as a referral/enrollment benefit program rather than a directly published MetLife underwriting market; for detailed eligibility, class restrictions, or watercraft quoting rules, broker/producer users would likely need to work through the applicable Farmers GroupSelect or program contact path rather than rely on MetLife-published underwriting guidance.