Deans & Homer Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Deans & Homer Insurance Company Score
2 Stars
We award Deans & Homer a final rating of two out of five stars. The two stars are mainly earned from the carrier's extensive history in the insurance industry and its high rating through the Better Business Bureau (BBB). It's also a pro that Deans & Homer offers both personal and commercial coverages.
Deans & Homer was founded in 1856, giving the carrier well over a century and a half of experience in the insurance industry. The insurance company is headquartered in San Francisco, CA, and its main mission is to serve the needs of small businesses.
Deans & Homer is also passionate about offering its support to the leading local independent insurance agents and brokers. Partnering with independent insurance agents allows the insurance company to provide the most personal and comprehensive experience to its customers.
However, the carrier's catalog is somewhat small, and it doesn't provide any discount information. While we love that the carrier works with local independent insurance agents, we don't like that it's not rated by AM Best, which makes it difficult to gauge its financial strength. More disturbing, though, is the large volume of negative customer reviews. Overall, we recommend working with an independent insurance agent to survey other options for quality coverage, and skip looking into Deans & Homer — especially if good customer service is important to you.
Deans & Homer Pros and Cons:
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Deans & Homer Insurance Products by Type
Here's an overview of the insurance products offered by Deans & Homer.
Business Insurance:
- Commercial package insurance
- Inland marine insurance
- Surplus lines insurance
- Rental dwelling insurance
- Business personal property insurance
- Assisted living facility insurance
Other Insurance:
- Renters insurance
- Storage operator's contractual liability insurance
Deans & Homer Renters Insurance
Deans & Homer provides all the standard coverage you'd expect to find in a renters insurance policy, including protection for personal property and liability. The carrier's policies also come with additional living expenses coverage, worldwide theft coverage, jewelry coverage, up to $500 in food spoilage coverage, and up to $5,000 in coverage for a personal vehicle. Deans & Homer also offers a few optional coverage enhancements, which vary by state.
Coverage types, features, and benefits:
Pet damage
Deans & Homer offers optional coverage that can reimburse the policyholder for various types of pet damage and destruction to the rental unit.
Bed bug
Deans & Homer offers optional coverage that can reimburse the policyholder for losses related to bed bugs.
Home robot
Deans & Homer also offers optional coverage that can reimburse the policyholder for damage, theft, or destruction to home robots due to covered causes.
Deans & Homer Renters Insurance Average Prices
Deans & Homer does not make its average renters insurance rates readily available online without requesting a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of renters insurance you need and also compare quotes from multiple carriers for you. You can also get a better idea of how much a renters policy might cost you by browsing common cost variables.
What Discounts Does Deans & Homer Offer?
Deans & Homer does not make information about its specific discounts readily available. For more information about qualifying discounts and other money-saving hacks on your insurance coverage, work together with an independent insurance agent. Independent insurance agents work hard to get you the most affordable coverage that satisfies your needs.
Deans & Homer Customer Service
Here's an overview of Deans & Homer's customer service options and availability.
- Phone
- Online claims reporting
- The customer service phone department has the following hour restrictions:
| Day(s) | Hours (PST) | ||
| Monday-Friday | 8:30 a.m.-5 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
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Deans & Homer Insurance FAQs
Deans & Homer does not make specific claims response time frame promise.
Deans & Homer is available during standard hours throughout the week. Customers can contact the carrier through phone or email.
Deans & Homer does not detail its specific claims process beyond how to file. Customers can file claims online or contact their independent insurance agents.
Deans & Homer's website does not provide much detail about the claims process. Customers have limited options to contact the carrier in comparison to many other modern insurance companies. The carrier also lacks much of a social media presence, overall falling behind in terms of user-friendliness.
Deans & Homer offers several types of business insurance, including a commercial package policy. The carrier calls this bundle its Premier Building Owner's Package Policy, which contains property and liability coverage for various commercial clients.
Deans & Homer certainly has a lot of experience under its belt. However, the carrier is not currently rated by AM Best for financial strength. The insurance company has a complaint filed against it through the BBB and mainly negative customer reviews across various websites. So, it's difficult to call Deans & Homer a good insurance company at this time.
Deans & Homer's insurance products may be right for professionals and commercial customers seeking various types of business insurance. The carrier offers business liability insurance, inland marine insurance, surplus lines insurance, and more.
https://www.deanshomer.com/
https://www.bbb.org/us/ca/san-francisco/profile/insurance-companies/deans-homer-1116-12100