My house here in The Villages has a metal roof. We love it. We have to get the screws "sealed" every couple of years, which prevents water getting in under it. As for noise - we're in a double-wide. Lower-pitched roof, no attic or crawl-space over the ceiling. We don't hear the noise that people think of, when it's torrential downpours. I mean obviously we can tell that it's raining, but it's more like a rumbling sound, not bullets against metal. What I DO hear - is when the rain hits the skylight in the bathroom. That - can sound pretty ominous even when it's just a brief but heavy downpour.
Couldn't help you with insurance - ours is for manufactured homes only, no normal insurance company will offer any policy at all.
Our roof isn't attractive, but it's also around 20 years old, possibly older than that. It's held up incredibly well, has no dents or bent edges that we can see from the street or from our yard. Zero leaks. The laundry shed does leak, but whoever put the metal roof on THAT - didn't line it up properly with the house it was attached to, so water seeps in one of the seams and we have to put down drip pans if it's raining really hard for more than a few minutes. But that is because of the person who put the roof over the laundry shed and is no reflection on the workmanship or quality of the roof over the house.
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