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
MetLife Auto & Home is no longer an actively marketed stand‑alone personal lines carrier; its retail P&C business (including homeowners and auto/boat) has been acquired and is administered by Farmers GroupSelect. Current guidance for new and renewal business is effectively governed by Farmers’ underwriting rules rather than legacy MetLife Auto & Home manuals. Preferred / target business - Written through employer or group-sponsored Auto & Home programs under the Farmers GroupSelect brand, marketed on MetLife’s group-benefits platform. - Standard personal-lines exposures (primary residence homeowners, companion auto) where the risk meets Farmers’ typical credit, loss, and occupancy standards and is located in states where Farmers is actively offering personal lines. Group members receive a discount structure but are otherwise underwritten to Farmers’ rules. Restricted / declined classes - Legacy "MetLife Auto & Home" branding is not used for new standalone personal lines policies; new submissions are routed to Farmers GroupSelect. Any appetite for higher-risk home or watercraft exposures (e.g., catastrophe-exposed coastal properties, older dwellings, or high-performance boats) follows Farmers’ and/or Foremost/Foremost Select criteria, which can be more restrictive by state and may include nonrenewal or tightened guidelines in certain catastrophe-prone regions. - Boat/watercraft risks are generally not written as a separate MetLife Auto & Home monoline product; they are handled within Farmers/Foremost programs and are subject to those programs’ rules, including speed, value, age, and usage limitations (e.g., restrictions on commercial use, racing, or high-performance craft). Geographic notes - MetLife’s current public-facing material positions Auto & Home only in the context of a group benefit, with servicing and underwriting provided by Farmers GroupSelect nationwide where approved. In states where Farmers has scaled back or modified homeowners or auto offerings, similar constraints apply to former MetLife Auto & Home accounts now administered by Farmers. Submission / servicing expectations - New group Auto & Home business is submitted and serviced through the Farmers GroupSelect platform, accessed from MetLife’s group-benefits site. Quotes and binding are handled through GroupSelect systems rather than any legacy MetLife Auto & Home portal. - Existing policyholders coming from MetLife Auto & Home are typically serviced and renewed under Farmers branding and rules; changes, rewrites, and reinstatements are processed through Farmers/GroupSelect service centers, not through MetLife life/health channels. Broker / producer notes - For producers, there is no stand‑alone MetLife Auto & Home personal-lines underwriting channel to place new retail home or watercraft risks. Placement should be via Farmers (GroupSelect, Farmers agents, or Foremost) according to those entities’ distribution agreements. - When communicating with insureds who still reference “MetLife Auto & Home,” clarify that their home or boat/watercraft coverage is now under the Farmers/GroupSelect program and subject to Farmers underwriting decisions and state filings, even though some employer-branded materials may still mention MetLife as the group sponsor.