- Introduction to Homesite Insurance
- What Kinds of Insurance Does Homesite Offer?
- Pros and Cons of Homesite Insurance
- Get Customer Support Or File A Claim For Homesite Insurance
- Frequently Asked Questions
Introduction to Homesite Insurance
Homesite is an insurance company based in Boston, MA. It was founded in 1997, as the first company to bypass brokers and agents to work directly with customers. In 2014, American Family Insurance Mutual Holding Co., acquired Homesite to diversify their direct channel insurance products. If you are interested in exploring Homesite for your insurance needs, go to the Homesite website, fill out the questionnaire, and wait for a quote or reply.
What Kinds of Insurance Does Homesite Offer?
Homesite offers homeowners insurance, condo insurance, renters insurance, auto insurance, commercial insurance, and flood insurance.
In addition to standard coverages, Homesite offers riders or endorsements to help customers tailor their policies to their particular needs. These include, but are not limited to:
- Identity theft
- Personal injury
- Pet bites
- Extra coverage for valuables
- Liability while away from home
Does Homesite Sell Homeowners Insurance?
Yes, Homesite offers both traditional homeowners and condo insurance. These policies can pay for expensive repairs to your home’s structure, or even total replacement in a covered event. These policies also provide coverage for your personal property, liability protections, and can even cover additional costs (hotels, food, transportation), if you need to evacuate your home during a disaster or to get repairs. Check out Coverage Cat’s Guides to Condo and Homeowners Insurance to find out how to buy the best policies.
Does Homesite Sell Auto Insurance?
Yes, Homesite offers auto insurance policies, but only in some states and as an affiliate of American Family Insurance. Starting a quote on Homesite’s website will lead you to the American Family Insurance site to continue your quote.
Does Homesite Sell Liability Insurance?
Homesite offers liability protections through property insurance products (condo, homeowners, renters), commercial insurance as well as through auto insurance policies, but it does not sell excess liability or umbrella insurance. If you live in California, Florida, New York, Texas, or Washington, you can get instant online umbrella quotes with Coverage Cat.
Pros and Cons of Homesite
Pros
- According to Nerdwallet, Homesite achieved a rating of four stars (out of five). The company is rated by other financial services aggregators as easy to deal with and it can often tailor coverage to its customers.
- Homesite received a rating of “Excellent” from A.M. Best a company that specializes in rating insurers.
- Customers with homeowners policies in Arizona, California, Colorado, Nevada, Oregon, and Washington are eligible for Wildfire Defense Systems, a service that helps homeowners with wildfire mitigation and loss prevention services for no additional cost.
Cons
- Homesite does not offer an app for users to quote, manage their policies, or submit claims.
- Homesite’s NAIC Complaint Index for 2023 was 3.10, this means that the amount of complaints received in a year was 3 times as high as expected in the market.
- Homesite’s Better Business Bureau rating is also low, with an average 1.15 star rating (out of 5) out of 96 customer reviews. Common complaints are focused on customer service issues, including claim delays and difficulty cancelling policies.
Get Customer Support Or File A Claim For Homesite Insurance
You can contact Homesite for customer support by email or by phone.
To contact customer service for most questions:
- Call 1-800-466-3748
- Email customerservice@homesite.com
For customers with business insurance:
- Call 1-877-515-2196
- Email commercialservice@homesite.com
How to File a Claim through Homesite
To File a Claim Online:
- Visit Homesite’s Claims page
- Pick your insurance product
- Login or create your account to complete your claim request.
To File a Claim by Phone:
- Call 1-866-621-4823, and have your policy number ready.
Frequently Asked Questions
Should I Buy Homesite Insurance?
Homesite offers a range of insurance products, including auto, home, and commercial vehicle insurance, with coverage options for different customers. But deciding whether to buy a policy from Homesite depends on your insurance needs, their pricing, and your willingness to deal with the company directly, without an agent or broker to explain and interpret the policies for you. You should compare their offers, price, customer service reputation, and the convenience of their services with other providers. Do you live in Washington, California, Texas, New York, or Florida? If so, Coverage Cat can help you assess your insurance needs and determine the best policy for you.
Is Homesite Insurance a Real Insurance Company?
Yes, Homesite Insurance is a real company, owned by American Family Insurance Mutual Holding Co. It has been in business for 27 years.
How Does Homesite Insurance Make Money?
Like other insurance companies, Homesite charges customers a fee, known as a premium, for an insurance policy. Homesite aggregates these premiums, pays out claims from them, and invests part of them to earn additional income.
Does Homesite Insurance offer policies in California?
Homesite does offer insurance in California. However, Homesite may not cover every zip code or accept every property. To see if Homesite will cover your area and property, you will need to call or submit a quote request.
A licensed insurance broker - like Coverage Cat - can also compare various insurance options including Homesite to make sure you’re eligible for a quote.
Does Homesite Insurance offer Earthquake Coverage?
Most standard homeowners insurance, including Homesite, do not provide coverage in an earthquake. In some states, you may be able to add earthquake coverage to your Homesite policy through an endorsement - for an additional premium. In California, however, earthquake insurance is only available through a separate policy. In California, Earthquake Insurance can be purchased through the California Earthquake Authority or private companies such as Palomar Specialty Insurance and Geovera. California Homesite customers cannot currently purchase California Earthquake Authority policies and should contact private insurers instead - to get multiple earthquake quotes online just use Coverage Cat!
Is Using Homesite Insurance Worth It?
Homesite insurance offers a variety of coverage and insurance options for homeowners, renters, and business owners. Their online quotes make them easy to use for some customers, but some policyholders complain that they are slow to respond to claims or customer service requests. Whether or not Homesite is right for you depends on whether they are willing to provide coverage for your property, and how their coverage compares to other insurance carriers. The first step to figure out if Homesite is worth it for you is to compare your auto, home, and umbrella insurance quotes with a licensed insurance broker, such as Coverage Cat. We'll find you the best possible offers and make it easy to buy your best possible policy.
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