Homeowners Choice Insurance Company at a Glance
- Founded in 2007
- Offers home insurance through other carriers
- Rated "A" (exceptional) by Demotech
- Rated "B+" (good) by the Better Business Bureau (BBB)
Homeowners Choice pros: High rating by Demotech. Partners with quality insurance companies.
Homeowners Choice cons: Not accredited by the BBB. Younger company. Complaints filed against the company through the BBB. Large volume of negative customer reviews. Only one type of coverage offered. Limited customer service options.
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What Type of Insurance Does Homeowners Choice Insurance Offer?
Here's an overview of the products offered by Homeowners Choice Insurance.
- Homeowners insurance
Your independent insurance agent can help you find more information about the coverages offered by Homeowners Choice, and help you decide if this insurance company is right for you.
What to Know about Homeowners Choice Insurance
Founded in 2007, Homeowners Choice Insurance has been in the industry for about 15 years. The insurance company is headquartered in Tampa, Florida. The insurance company helps customers get matched to the most affordable home insurance companies and works with providers such as Safeco and Liberty Mutual.
Homeowners Choice has about $350 million in gross written premiums across its 110,000 policyholders. The carrier specializes in homeowners insurance but also offers reinsurance and information technology and real estate services. Their LinkedIn network shows a total of 111 employees.
While Homeowners Choice is not rated by AM Best, the leading global credit organization monitoring the insurance industry, they do have an "A" or "exceptional" rating by Demotech, Inc. for financial stability. The insurance company also has a good rating of "B+" by the BBB, however they are not accredited by the organization.
What Discounts Does Homeowners Choice Offer?
Homeowners Choice gives examples of discounts that customers can find on their coverage, such as bundling discounts, however the carrier does not provide their own. Discounts would be offered by the carriers that Homeowners Choice partners with, such as Safeco and Liberty Mutual. An independent insurance agent can help find these carriers' discounts for you.
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Homeowners Choice Customer Service
Here's an overview of Homeowners Choice's customer service options and availability.
- Phone contact option
- Email contact option
- Online claims reporting
- Phone department does not specify hours
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.
Homeowners Choice Insurance FAQ
What is Homeowners Choice's average claim response time frame?
Homeowners Choice partners with Safeco and Liberty Mutual, and does not have their own specific claims process or time frame response.
What is Homeowners Choice's customer service availability?
Homeowners Choice provides only a couple of mediums for customers to contact them, such as through phone and email. They do not specify their customer service contact hours.
What is Homeowners Choice's claims process?
Homeowners Choice partners with Safeco and Liberty Mutual, and does not have their own specific claims process. These carriers each have their own claims processes, which Homeowners Choice links to on their website.
Does Homeowners Choice create a user-friendly experience for customers?
Since Homeowners Choice partners with other carriers to offer affordable coverage, their user-friendliness experience is a bit lacking than visiting an individual carrier's website. Still, Homeowners Choice does provide the appropriate links to find necessary information.
Does Homeowners Choice have good home insurance?
Homeowners Choice offers home insurance through Safeco and Liberty Mutual. To find the details of coverage, customers must refer to these carriers directly. An independent insurance agent can also help you find out more about these insurance companies' home insurance coverage.
Is Homeowners Choice a good insurance company?
Homeowners Choice offers affordable home coverage by partnering with other insurance companies. The carrier is not rated by AM Best and has a lower than average rating through the BBB. Further, many customer reviews are very negative. So we're hesitant to call Homeowners Choice a good insurance company at this time.
Homeowners Choice Insurance Customer Reviews
|Better Business Bureau|
|Worst possible company! Do not sign up with them! They are thie[ves] and crooks! You pay for their services, however they will devise any possible scheme to not payout a legitimate and valid insurance claim. Run!|
|Better Business Bureau|
|Worst customer service. Inadequate. Unhelpful. No morals. Lying. Cheating. Crooks.|
|The drain under my kitchen sink broke damaging at least 4 cabinets. After much back and forth, they will pay to have the kitchen functionally restored. The fact that the cabinets will not match is not important to them. The fact that this will negatively impact my home value is not important to them. Just getting hold of them to discuss anything requires me to get my agent to call them and complain as they will not return my calls otherwise. As soon as this mess is cleared up, I am changing companies to one who actually provides coverage and not just milking customers and not providing expected coverage.|
|My last bill was lost that I sent to them and I had to put a stop on the original check. Rather unusual. This next one I will be sending Priority Mail and/or signature required. There is no way to know if it was the responsibility of the US mail service or the person who picks up the post office box mail. The agents who communicated with me were polite, however they could have said something about running a check on their delivery service or 'doing a double-check'. they were nice to extend their grace period so I could make a payment over the phone after blocking my original check.|
|Wors[t] company and experience EVER! I am still out of my house 10 months, 5 agents, two adjusters and two supervisors later. Promises made, confirmed in writing and reneged when time to follow through.|
TrustedChoice.com's Final Review
We award Homeowners Choice Insurance a final rating of 1.5 out of 5 stars. The carrier is one of the younger companies on the market today, and it shows. They are not rated by AM Best or accredited by the BBB. They've also had 10 complaints filed against them in recent years.
Homeowners Choice does partner with quality insurance companies that we've rated highly to offer home coverage. However, Homeowners Choice itself has received very negative customer reviews across the board, with many reports of no responses to filed claims and overall awful customer service experiences.
So, overall we'd highly recommend looking into your other choices for homeowners insurance and skip looking into Homeowners Choice Insurance altogether. You may even consider working with an independent insurance agent to check into Safeco or Liberty Mutual directly.
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