Deans & Homer Insurance Company Review

We've looked at over 1,000 insurance companies rating them on strength, accessibility, and service to find the best ones. Here's what people think about Deans & Homer.

Deans & Homer Insurance Company at a Glance

  • Founded in 1856
  • Offers personal and commercial insurance
  • Not rated by AM Best
  • "A+" (excellent) rating by the Better Business Bureau (BBB)

Deans & Homer pros: High rating by the BBB. Longstanding history in the insurance industry. Offers commercial and personal coverages. 

Deans & Homer cons: Dated website. Difficult to find information about coverages or discounts offered. Not rated by AM Best. Vast majority of customer feedback is extremely negative.

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What Type of Insurance Does Deans & Homer Offer?

Here's an overview of the insurance products offered by Deans & Homer.

  • Commercial property insurance
  • Inland marine insurance
  • Renters insurance
  • Storage insurance

Your independent insurance agent can help you find more information about the coverages offered by Deans & Homer, and help you decide if this insurance company is right for you.

What to Know about Deans & Homer

Deans & Homer was founded in 1856, giving the carrier well over a century and a half's 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 their 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 all of their customers. There are 68 employees on their LinkedIn network.

The carrier currently offers three main forms of coverage including renters insurance, storage insurance, and commercial property insurance. Deans & Homer is not currently rated by AM Best, the leading global credit organization monitoring the insurance industry, but it is rated an "A+" or "excellent" by the Better Business Bureau.


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What Discounts Does Deans & Homer Offer?

Deans & Homer does not make information about their 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 contact option
  • Email contact option
  • Fax contact option
  • Snail mail contact option
  • Customer service department hours restrictions

Hours (PST)

Monday-Friday 8:30 am - 5 pm

Saturday 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.

Deans & Homer FAQ

What is Deans & Homer's average claim response time frame?

Deans & Homer does not make specific claims response time frame promise.

What is Deans & Homer's customer service availability?

Deans & Homer is available at regular hours throughout the week. Customers can contact the carrier through phone, fax, email, or snail mail.

What is Deans & Homer's claims process?

Deans & Homer's official website lists their claims process as follows.

"I have reported a claim. What happens next?

Deans & Homer's staff will contact you to begin the claims process. An independent adjuster may assist in the investigation. The adjuster will often come out to inspect the damaged property to estimate the loss or investigate the scene of the accident.

You should make all reasonable efforts to protect your property from further loss without placing yourself or others at risk. Do not throw any important property away until you have had a chance to discuss the situation with our claims representative as it may be helpful in determining how the loss occurred.

If someone is injured or is making a claim against you, please talk to us before taking any action. You are always free to speak to your own attorney at your expense, but please do not speak to anyone else about the incident until we have had a chance to discuss the matter with you. If you have an incident report, photographs, or security film, please save that for us to review.

When do I get paid?

Once we have verified your coverage and determined the amount of the loss, we will pay you as quickly as possible."

Does Deans & Homer create a user-friendly experience for customers?

Deans & Homer's website feels extremely dated. There is not much information provided about coverage, claims, etc. The carrier also lacks much of a social media presence, overall falling quite behind in terms of user-friendliness.

Does Deans & Homer have good commercial property insurance?

Deans & Homer does not provide much information about their insurance products, period. They do state that they offer commercial property insurance and inland marine insurance for businesses. But the company encourages customers to contact an independent insurance information for further details.

Is Deans & Homer a good insurance company?

Deans & Homer certainly has a lot of experience under their belt. However, the carrier does not provide much information about their coverage, and they are not currently rated by AM Best. The insurance company has a complaint filed against them through the BBB and mainly negative customer reviews. So, it's difficult to call Deans & Homer a good insurance company at this time.

Deans & Homer Customer Reviews

This business follows predatory practices and automatically charges your credit card if you're no longer using their services. 

The only reason I did renters insurance through this company was because the complex I was living in already had everything set up through them so it seemed easy and convenient. I just now called to get information about cancelling my policy since I'm moving and I spoke with [someone who] answered the majority of my questions, however she kept cutting me off before I could even finish. I eventually asked her for her name and said she was being rude and shutting me up. Her response was along the lines of "we process hundreds of these requests a day it's really simple". Like okay? Just because it's simple for you since you process these requests hundreds of times a day, doesn't mean it is for me. I'm asking thorough questions to make sure I have a clear understanding. I understand customer service isn't easy, but being polite isn't hard.

*Update* after a very damaging and insulting experience with a customer service rep, one of the supervisors reached out to me with a very understanding ear and let me feel my concerns were heard. I'm taking my review to 4 stars and hope to increase to a 5 after some more time as a customer passes and hopefully more positive experiences.

Slimy, disgusting company. I was mandated by my apartment complex to garner a policy with this disreputable firm. I confirmed during a phone call the exact date I would be moving out of the residence. It was a tiny crash pad near the medical school I was attending. There was absolutely a definitive move out date one year after I moved in. School ended and thus, I moved out as was noted to my landlord and this bastion of sleaze bags who work at Dean & Homer. They printed up the lease to extend 6 months beyond when we had verbally agreed to and they fooled me. I signed it, not realizing that this was a scammy, sleazy business built on tricking people into signing terms not verbally agreed to. Because of course, everyone wants to pay renters insurance for a unit that they don't live in for months after they move out.  This grotesque company sends an email noting that they automatically renew your policy without your consent. So it wasn't enough to nail me on the one lease - there was the hope that I'd miss the spam looking email so they could continue to steal funds from my account indefinitely. Do not do business with this company! They are wretched.

One of the worst renters insurance companies ever. My family member had to move due to her apartment becoming uninhabitable because the management company of her complex neglected to make necessary repairs. She received a notice along with 20 plus families on 12/5/2019 saying that the premise no longer safe for living in and that they all  had 10 days to vacate. There was an adjuster there 12/15/19 taking pictures of all of the apartments with water damage and mold. She never received anything in the mail or follow up phone calls to guide her through the claims process. It's been about a month and after Deans and Homers adjuster took pictures on 12/15/2019 and she has yet to receive any type of funding. She finally got the letter that was supposedly mailed to her via email that was dated 12/5/19 (this was received by email on 1/8/20.) This company lacks professionalism or integrity in their practice. She's still trying to get money for complete loss of her apartment. The only time she hears from them is when she reaches out to them. This company has taken her money and has not done a darn thing to help alleviate her anxiety with finances in finding a new place to live. They've just added to her problems. Why would they do that?? SHAME ON YOU!!!'s Final Review

We award Deans & Homer a final rating of 2 out of 5 stars. The two stars are mainly earned from their extensive history in the insurance industry and their high rating through the BBB. It's also a pro that Deans & Homer offers both personal and commercial coverages.

However, the carrier's catalogue is rather small and they don't share information about offering discounts. While we love that they work with local independent insurance agents, we don't like that they're not rated by AM Best or their dated, sparse website. 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.

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