Metropolitan Casualty Insurance Company

Metropolitan Casualty and its subsidiaries may be a great option if you need insurance. The Metropolitan Casualty Insurance Company offers several insurance products, such as automobile, home, and boat insurance. The company’s goal is to meet its customers’ needs at a reasonable price. 

It can be challenging to find proper insurance. Depending on where you live, it may be challenging to determine the best coverage in your area. As you search for the insurance products you need, remember to compare quotes and coverage options from multiple providers before you make any final decisions. 

As an affiliated company, MetLife offers insurance quotes online. The company offers several options for insurance, such as term and permanent life insurance, car insurance, pet coverage, and homeowners insurance. 

What is the Metropolitan Casualty Insurance Company?

The Metropolitan Casualty Insurance Company is a subsidiary of the Metropolitan Property and Casualty Insurance Company. In addition, the company owns several subsidiaries that offer multiple types of insurance products.

Metropolitan Casualty is a stock company with more than 50 million assets and a net surplus of $46,836,742. William Douglas Moore is the company’s president. The Metropolitan Insurance Company offers car, home, and watercraft insurance coverage options. 

Insurance with Metropolitan is available in most states, and you can call (401) 827-3039 to get a coverage quote or ask any questions. 

What other companies does Metropolitan Property and Casualty Insurance own?

Metropolitan owns several subsidiaries in the U.S., including:

• Economy Fire & Casualty
• Economy Preferred Insurance Company
• Metropolitan General Insurance Company
• Metropolitan Lloyds Insurance Company of Texas
• MetLife
• General American
• MetLife Investors
• MetLife Insurance Company of Connecticut
• MetLife Bank
• MetLife Securities
• MetLife Resources
• New England Financial and Walnut Street Securities, Inc.

Read more: Economy Fire & Casualty Company: Customer Ratings & Reviews

Depending on where you live, you may access insurance products through multiple Metropolitan Property and Casualty Insurance subsidiaries.

What types of coverage does Metropolitan offer through its subsidiaries?

Metropolitan offers several types of insurance through its subsidiary companies, such as: 

• Car insurance. This insurance includes different types of coverage for your vehicle. Depending on where you live and what your state requires, you may purchase a liability-only or full coverage policy.
• Home insurance. This covers specific incidents that occur on your property. Damage to your roof and other structures is normally included, though deductibles will vary. 
• Watercraft coverage. Metropolitan offers coverage for boats and other watercraft in many states.
• Banking coverage. This coverage helps insure your money and other valuables. 
• Deferred annuities. This coverage helps ensure you have a specific insurance payout at a particular time.
• Dental insurance. Dental insurance offers full coverage for cleanings and partial coverage for things like crowns and implants.
• Disability income. Metropolitan covers you if you’re disabled and need financial assistance.
• Financial planning. Metropolitan helps with future plans and ensures you’re saving and investing as wisely as possible. 
• IRAs. An IRA allows you to set money aside as you save for retirement. You can either defer tax payments or choose tax-free growth.
• Income annuities. These swap a lump sum of money for a specific periodic payout over a certain amount of time. 
• Life insurance. Metropolitan offers term and permanent options for life insurance coverage.
• Long-term care. You can purchase coverage to help with the assistance needed during long-term care stays. 
• Mutual funds. This helps diversify your portfolio while ensuring you make returns on your investments. 
• Brokerage accounts. These accounts help you purchase and sell or trade stocks, bonds, mutual funds, EFTs, and more. 

If you’re looking for multiple insurance products, you may be able to save money with coverage from Metropolitan by taking advantage of company discounts, such as a multi-policy discount.

Is MetLife affiliated with Metropolitan Casualty?

By far the most well-known company affiliate, MetLife Insurance is a subsidiary of the Metropolitan Property and Casualty Insurance Company. MetLife offers several types of insurance in the U.S., and you can purchase coverage with MetLife in most states.

MetLife offers quotes on its company website, so you can check the MetLife site to see if you live in an area that provides the insurance product you’re interested in. If you find MetLife coverage is available in your location, you can call the company and speak with an agent about purchasing a policy.

Even if MetLife offers exactly what you’re looking for, research other companies and options before you commit to MetLife. You may find that another company offers coverage more suited to your needs or that you can find better rates on insurance elsewhere. 

What is MetLife Insurance?

MetLife Insurance states that its goal is to help its policyholders by making insurance simpler, smarter, and designed especially with them in mind.

With MetLife, individuals can get an incredible variety of insurance products, including:

• Dental insurance. MetLife offers dental insurance that covers cleanings and partial coverage for things like crowns and implants.
• Vision insurance. MetLife offers coverage for vision screenings, glasses, and contacts. 
• Pet insurance. MetLife offers coverage for dogs, cats, and other animals with up to $10,000 in covered expenses. 
• Term life. This insurance offers a fixed amount of coverage for a specific number of years. 
• Group variable universal life. This coverage offers a permanent policy that builds a cash value over time. 
• Group universal life. This coverage offers flexible payment options with a permanent policy that allows policyholders to build savings. 
• Accidental death and dismemberment. This coverage pays you or your beneficiaries if you are dismembered or if you die as the result of an accident. 
• Accident insurance. MetLife provides insurance coverage for accidents. 
• Hospital indemnity. MetLife pays for hospital stays and other hospital expenses with this coverage. 
• Critical illness insurance. MetLife covers you and provides safety and security to your family members if you have a covered critical illness. 
• Cancer coverage. This coverage helps cover many expenses associated with a cancer diagnosis and treatment. 
• Disability and absence coverage. If you’re rendered disabled due to a work-related event or another covered event, this coverage helps ensure you have a steady income stream. 
• Retirement plans. MetLife provides different retirement plans to help with savings. 
• Health insurance. MetLife health insurance helps pay for covered health events like doctor visits and prescriptions. 
• Auto insurance. MetLife offers different auto insurance coverages, like collision, comprehensive, and roadside assistance. 
• Home insurance. This coverage pays for events such as hail damage to your roof or other property structures. 
• Legal insurance. MetLife will help pay for legal counsel if you find that you need assistance after an accident or other related incident. 

MetLife offers insurance coverage in the United States, Japan, Latin America, Asia, Europe, and the Middle East. In addition, MetLife coverage is available in each of the 50 U.S. states and the District of Columbia. 

What are the pros and cons of MetLife insurance?

There are many advantages to a MetLife insurance policy, such as:

• Helpful life insurance options
• Online quoting tools
• A low customer complaint ratio
• An A+ (Superior) financial strength rating with A.M. Best

Overall, MetLife has excellent ratings and reviews, though current and previous MetLife customers do point out some of the company’s downfalls. These include: 

• Lack of online presence or mobile app for paying bills
• Limited information about policies available online
• A split for the life insurance side of the company with Brighthouse Financial that may impact the company’s overall products, services, and pricing

If you are considering purchasing an insurance product with MetLife, research other companies and their rates online before making a final decision. 

What does MetLife car insurance cover?

MetLife auto insurance is available in 44 states. Coverage options vary with the company, but often include:

• Liability. This coverage helps if you’re in an accident and considered to be at fault. You will have financial responsibility for the other people involved in the accident. Liability covers bodily injury and property damage claims, helping you avoid a lawsuit. 
• Collision. Collision coverage helps if you’re in an accident and your vehicle is damaged. Liability doesn’t cover your car, so this is where collision comes in. If you’re in an accident and don’t have collision coverage, you may have to pay for vehicle repairs out of pocket. 
• Comprehensive. This coverage helps if your car is damaged by non-accident events, such as inclement weather, theft, or vandalism.
• Roadside assistance. MetLife’s roadside assistance helps if you are stranded and need a flat tire repair, fuel services, or lockout services. Depending on where you live, you may have to pay for your roadside assistance. Speak with a MetLife representative for more information. 
• Rental car reimbursement. If your vehicle is damaged and you need to drive a rental car temporarily, rental car reimbursement will cover the cost. 
• Accident forgiveness. Accident forgiveness with MetLife ensures you won’t pay extremely high rates if you’re in an accident. 
• New car replacement. If you drive a new car, you may want this coverage, as it promises to replace your new car with the same make, model, and year. 

While MetLife offers several coverage options, the company does not provide things like GAP insurance, custom parts coverage, or glass deductible modification coverage.

You may be able to take advantage of MetLife’s car insurance discount options to pay less overall for your coverage. Some of the company’s most popular discounts on car insurance include:

• Bundling
• Multiple cars
• Defensive driving
• Good student
• Safe driving
• Anti-theft system
• Paid-in-full
• Paperless billing

Discounts can help you save up to 25% on your monthly premiums, so call the Metlife auto insurance phone number and speak with a MetLife agent to ask about discounts you’re eligible for.

What types of life insurance does MetLife offer?

MetLife offers several types of life insurance, including term, group variable universal, group universal life, and accidental death and dismemberment. The kind of life insurance you choose will depend on your individual life and the needs of your loved ones.

If you’re stuck and having a hard time deciding what type of life insurance you need, you may want to speak with a professional who can provide insight into what might be best for you both now and in the future. 

Term Life with MetLife

You can choose from three different term life insurance options, including:

• Basic term life. Employers often offer this coverage, which includes coverage for a set time and a death benefit for beneficiaries. 
• Supplemental term life. This is an employee-paid option that offers more protection as you need it. 
• Dependent term life. This term life coverage protects spouses, domestic partners, and eligible children. 

All term life policies with MetLife offer coverage for a certain amount of time. You will likely be able to purchase a policy anywhere from 10 to 30 years in length. The length of your policy and the amount of coverage you want in your death benefit will determine how much you pay for coverage.

Group Variable Universal Life with MetLife

Unlike term life, variable universal life insurance is a type of permanent insurance coverage that protects you for the duration of your life. Most group variable universal plans offer a cash value to the policy and include investment variety and a fixed premium.

The death benefit to a group variable universal life policy is also flexible, so you can make changes to your policy as you get older and notice that your needs, or the needs of your loved ones, change.

With MetLife’s variable universal life options, you can:

• Pay higher premiums to invest money in different ways.
• Get an interest-bearing fixed account with an interest rate that is guaranteed.
• Take advantage of your policy’s cash value if you ever need it.
• Make lump sum payments to your policy at any time.

You can speak with a MetLife agent to learn more about their life insurance options or to purchase a variable universal life insurance policy.

MetLife’s Group Universal Life Insurance

MetLife’s group universal life is similar to its variable universal plan, though investments and overall pricing differ.

With a group universal life insurance policy, you can set aside financial investments for your beneficiaries while also developing a robust savings plan for yourself and your family. In addition, because the plan carries a cash value component, you can borrow from that cash value whenever you need to.

MetLife’s group universal life insurance is permanent and flexible, allowing policyholders to make changes as they need to. 

It’s possible to set up a group universal life insurance policy on a tax-deferred basis, allowing you even more control over your finances. In addition, MetLife agents can provide more information on availability and pricing. 

Accidental Death Coverage with MetLife

MetLife offers a few options for accidental death and dismemberment (AD&D) coverage, including:

• Basic accidental death and dismemberment. This employer-paid coverage provides a benefit equal to an employee’s basic term life account.
• Supplemental accidental death and dismemberment. This requires employees to pay but includes added coverage. Also, a percentage of the death benefit is paid out for certain nonfatal losses.
• Dependent accidental death and dismemberment. This provides benefits to spouses and children equal to the dependent term life benefit.
• Voluntary accidental death and dismemberment. This is a stand-alone coverage option to employees, spouses, and dependent children. There is no need to purchase a life insurance policy for this coverage. 
• Business travel accident (BTA) coverage. This covers accidents related to an employee’s business travels. BTA coverage is applicable both nationally and internationally.

Accidental death and dismemberment coverage options vary depending on where you live. Speak with a MetLife agent or representative for more information. To find the best life insurance options in your area, the best thing you can do is shop online and compare quotes from multiple companies. 

How much is coverage with MetLife?

While the Metropolitan Casualty Insurance Company does not offer any information about its products or pricing online, MetLife does. MetLife products are often reasonably priced, but the amount you will pay for coverage will depend on personal factors such as your age, credit score, health history, and more. 

MetLife does not post prices for most of its insurance products. Instead, you will need to get an online quote or speak with a company representative to learn how much you’ll pay for coverage.

Some insurance rate information is available below.

Life Insurance Rates with MetLife

MetLife offers several types of life insurance. The company provides rates online for its term life products, but it does not offer rates for other life insurance products. If you’re interested in a group universal life plan, you will need to speak with an agent for more information.

MetLife’s monthly rates are often lower than those with Prudential and comparable to rates with MassMutual.

However, MetLife term life quotes suggest that the monthly rates for no-medical-exam term life insurance are more expensive than Prudential and MassMutual.

To better understand how much you would pay for coverage, you should call MetLife and speak with a company representative.

Metlife Auto Insurance Rates

You’re in luck if you’re interested in purchasing car insurance with MetLife. MetLife offers auto insurance in 44 states. 

Rates for MetLife car insurance are typically a few hundred dollars more than the national average for a full coverage policy,

Minimum coverage for Metlife car insurance costs just under $80 per month. Still, rates increase significantly for people with speeding tickets on their record or for 18-year-old drivers.

To find the best rates for car insurance coverage, compare quotes from multiple providers in your area. 

MetLife Pet Insurance Rates

If you have a pet you love and want to protect, you may consider MetLife pet protection. With MetLife, you can get a reasonably priced plan that allows for reasonably low deductibles with up to $10,000 in overall coverage.

Rates for MetLife pet insurance start at $9 per month for cats and $15 per month for dogs. 

Does MetLife have good reviews? 

MetLife auto and home insurance have decent reviews online, and the company has an A+ (Superior) financial strength rating with A.M. Best.

According to J.D. Power, MetLife rates below average in customer satisfaction. Still, some customer reviews for the company are exceptional, and the National Association of Insurance Commissioners (NAIC) rating suggests the company received fewer complaints than most companies of its size. 

Before purchasing coverage with MetLife, it’s best to review customer comments and complaints to learn about the company and see if it will meet your needs. 

How can I make a MetLife insurance claim?

You can do a few things to make a claim with MetLife insurance. First, you can call the MetLife insurance phone number and speak with a representative. That individual will be able to walk you through the process and help you learn more about your role and responsibility in the claims process.

If you don’t want to call, you can use your MetLife login to make MetLife claims. If you do this rather than call the MetLife claims phone number, you may still have to speak with a representative at some point.

Unfortunately, MetLife has a D- rating with the Better Business Bureau (BBB) due to MetLife customers’ descriptions and issues with the company’s claims process. According to the BBB website, MetLife has this rating because it has not responded to more than 10 complaints filed against the company.

Most complaints on the BBB site were regarding improper handling of life insurance policies and unpredictable payouts that did not occur on time, or did not occur at all. Additionally, other customers complained about the company sending payout checks that were not the correct amount. 

Lastly, some customers claimed that MetLife continued to charge them premiums after properly enrolling in an accelerated payment plan. In most of these cases, representatives from MetLife responded, but some of the claims have still not been resolved. 

Is MetLife the same as Metropolitan Casualty?

MetLife is not the same company as Metropolitan Casualty, but they are related companies. Because MetLife is the most popular subsidiary of the Metropolitan Property and Casualty Insurance Company, it is often associated with Metropolitan Casualty Insurance.

All affiliates with Metropolitan Casualty are challenging to find online other than MetLife. Because of this, it’s easy to confuse the companies and assume they are the same. Fortunately, Metlife has a relatively positive online presence and is well-known enough that many people know how to find more information about its products. 

Metropolitan Casualty Insurance Company: The Bottom Line

The Metropolitan Casualty Insurance Company offers insurance products in several states. Affiliated with MetLife, Metropolitan does not have a significant online presence, and information about the company is challenging to come by. 

MetLife offers several insurance products, including home, car, and life insurance coverage. Rates with MetLife are often competitive, but you may be surprised to find how they compare with certain companies in your area.

When purchasing an insurance policy, remember to compare quotes from multiple providers before making any final decisions.

Frequently Asked Questions

Is Metropolitan Casualty the same as MetLife?

MetLife is affiliated with Metropolitan Casualty, though both are subsidiaries of the Metropolitan Property and Casualty insurance company. Brighthouse Financial now owns MetLife life insurance. 

Is Metropolitan Insurance legitimate?

Insurance with Metropolitan is challenging to learn about. Its information is not readily available online. But there is plenty of information on MetLife and its insurance products. 

MetLife has a tremendous financial strength score and a low number of customer complaints. As a result, you may want to consider MetLife for your insurance needs. 

Why is MetLife’s BBB rating so low?

MetLife’s rating with the Better Business Bureau (BBB) is low because the company has not responded to several complaints from its customers. While MetLife has responded to the majority of complaints, the company has registered over 700 complaints on the BBB website in the past three years.

The number of complaints from customers is due to the claims and payout processes. In many cases, MetLife owes customers refunds or additional payouts for death benefits to specific life insurance policies.

Do all Metropolitan affiliated companies offer the same insurance coverages?

No, all companies affiliated with the Metropolitan Casualty Insurance Company do not offer the same types of coverage. Some companies specialize in specific types of insurance, while others offer a wide variety of options. 

MetLife is the only company affiliated with Metropolitan that offers insurance quotes for products online. MetLife is also available throughout the U.S. and in several other countries. 

Who owns Metropolitan Casualty?

William Douglas Moore owns Metropolitan. The company is based in Rhode Island and was established in 1972. The company has nearly three million active policies in the U.S. and abroad through all its affiliated companies.

How can I get Metropolitan quotes?

To get a coverage quote from Metropolitan, you must call the company’s customer service line at (401) 827-3039.