Homesite Insurance Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
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.
Homesite Insurance Final Score
3 Stars
Homesite Insurance is a property and casualty insurance company headquartered in Boston, MA. Founded in 1997, Homesite Insurance was one of the first companies to enable customers to purchase home insurance directly online, during a single visit.
The company offers several types of personal insurance policies, including home, renters, condo, auto, commercial, pet, and flood insurance.
Homesite Group Incorporated is an affiliate of American Family Insurance. Homesite has an "A" (Excellent) rating from AM Best, and an "A+" rating from the Better Business Bureau (BBB). The AM Best rating points to the insurance company’s ability to pay claims, debts, and other financial obligations in a timely manner.
The company offers quick quotes online or through a direct representative.
We award Homesite a final rating of three out of five stars. To begin with, its high ratings from AM Best and the BBB speak to its financial strength, one of the most important factors in choosing any insurance company.
The company offers homeowners insurance and other personal insurance policies. Its online quoting and application process is becoming increasingly popular, and the company is growing. It currently offers relatively basic coverage with affordable premiums. But upgrades and optional coverage must be added in areas where other insurance companies typically offer standard coverage.
The negative customer satisfaction ratings that we found far outweighed the positive. In order for Homesite to be considered a top-tier insurance company, it needs to establish a better reputation for serving its customers and processing claims in a fair and timely manner.
You can find out more about Homesite Insurance by visiting the carrier’s website or speaking to a Homesite direct representative. To find alternatives to Homesite in your personal insurance search, contact a local independent insurance agent.
Key Takeaways
- Homesite Insurance offers several personal insurance options, including homeowners insurance, renters insurance, condo insurance, flood insurance, and auto insurance.
- Homesite's policies are highly customizable. The company offers basic policies with a variety of add-ons to satisfy varying needs.
- Homesite's basic policies sometimes omit coverage that is standard with other carriers.
- Homesite Insurance offers online quotes and claims filing.
Homesite Pros and Cons
To help those in search of auto, home, and other types of personal insurance, we've compiled a list of pros and cons to keep in mind about Homesite.
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Homesite Products
Homesite provides an array of personal insurance products that include the following.
- Homeowners insurance
- Renters insurance
- Condo insurance
- Auto insurance
- Pet insurance
- Flood insurance
Homesite is a direct distribution insurance company. You can get quotes and apply for coverage entirely online. Or, to learn more about the company’s products, visit its website or contact a Homesite representative.
You can also find a carrier by talking to a local independent insurance agent or using our insurance company directory.
Homesite Insurance Homeowners Insurance
Homesite offers homeowners insurance with all the standard protections you'd expect, including dwelling coverage, personal property coverage, loss of use coverage, and coverage for medical payments to others.
Additional coverage types, features, and benefits
Identity theft protection
Covers up to $15,000 of expenses you incur as a direct result of identity theft.
Personal injury protection (liability coverage)
Protects you against claims of libel, slander, and invasion of privacy.
Coverage for valuables
Offers open perils coverage for your valuable items such as jewelry, furs, cameras, musical instruments, silverware, fine arts, and more.
Extended replacement cost coverage
Provides additional coverage, up to 25% or 50% of your dwelling coverage, if the amount to replace your home exceeds the amount of coverage provided by your policy.
Homesite Insurance Personal Auto Insurance
Homesite's auto insurance policies also include the standard coverage types you'd expect to find, such as bodily injury liability and property damage liability, collision coverage, and comprehensive coverage. The carrier also offers a few types of add-on coverage.
Additional coverage types, features, and benefits
Medical payments coverage
Covers medical care for you and your passengers if injured in an accident, regardless of who is at fault.
Personal injury protection (PIP)
Reimburses you and your passengers for lost income and medical or childcare costs resulting from an accident, regardless of who is at fault.
Rental reimbursement coverage
Helps pay for a rental vehicle while your car is in the shop.
Roadside assistance coverage
Provides quick and easy services if you experience an emergency, like a flat tire or a dead battery.
What Discounts Does Homesite Offer?
Homesite does not offer as many discounts as other home and auto insurance companies, but it does offer a few, including the following.
Car Insurance Discounts
- Garage discount: Earn a discount if you park your vehicle in a garage instead of on the street.
- Affiliation discount: Save on car insurance if you are a member of an alumni association or other group affiliated with Homesite.
- Early renewal discount: If you renew your policy before a certain date, you may qualify for this discount.
- Electronic payments discount: Paying your car insurance bill electronically rather than through regular mail could earn you a discount.
Home Insurance Discounts
- Moving in discount: If you switch your Homesite renters or condo insurance to a Homesite home policy, you could earn a discount.
- Welcome home discount: Homesite may reward you for your new home purchase by offering a discount.
- Retired occupant discount: Retirees could save on their homeowners insurance with this discount.
- Better together discount: Homesite offers two endorsement packages that could save you money.
You can speak with a Homesite representative to learn more about qualifying for savings opportunities.
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Homesite Customer Service
Here's what to know about Homesite’s customer service options.
- Customer service is available by phone, email, online, and via regular mail.
- Phone service is available with the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | Not specified |
Homesite is a direct distribution insurance company. You can get quotes and apply for coverage entirely online. For more information about customer service options, visit its website or contact a Homesite representative.
Homesite FAQs
Homesite does not publish an average claims response time.
Homesite customer service is available by phone, email, regular mail, and online. Customers can perform a variety of policy-related tasks online, including the following:
- Get proof of insurance
- Make payments and manage automatic deductions
- Submit claims and monitor status with real-time updates
- Learn about policy coverage and deductibles
- Manage policy details
If you need to file a claim with Homesite, you can do so through Homesite’s online customer portal, My Policy. A Homesite home insurance representative will contact you after you’ve submitted your claim to provide information in regard to the claim and the claims process.
You can also file claims by phone.
Homesite appears to create a user-friendly experience, although it’s hard to say if the reality of customer experiences matches the company’s branding efforts. Homesite’s official website is very attractive, simple, easy to navigate, and helpful. In addition to providing information about the company, it offers numerous resources, including explanations of the types of coverage the company offers.
The company offers an entirely online quoting and application process if the customer desires, or you can contact a direct Homesite representative for assistance. Customer service is available by phone, online, or by email. Unfortunately, many customers appear to be dissatisfied with the service they receive once they’ve purchased a policy.
Homesite’s basic homeowners insurance policies cover the following items.
- Your home: Covers damage or loss to your dwelling caused by a covered incident, and is based on the cost to rebuild your home.
- Your personal possessions: Covers damage, destruction, or theft of your personal property.
- Loss of use: Reimburses you for living expenses that exceed your normal living costs if you cannot live in your home due to a covered loss.
- Medical payments to others (bodily injury liability): Pays for medical bills when someone is injured on your property, regardless of fault.
You can add some upgrades to your Homesite homeowners insurance, including the following.
- Identity theft protection: Covers up to $15,000 of expenses you incur as a direct result of identity theft.
- Personal injury protection: Protects you against claims of libel, slander, and invasion of privacy under your homeowners insurance policy.
- Coverage for valuables: Offers open perils coverage for your valuable items such as jewelry, furs, cameras, musical instruments, silverware, fine arts, and golfers' equipment.
- Extended coverage on your home: Provides additional coverage, up to 25% or 50% of your Dwelling Coverage, if the amount to replace your home exceeds the amount of coverage provided by your policy.
It’s important to understand that most home insurance companies cover personal liability in their basic policies, but Homesite provides this coverage as an option. While the basic Homesite policy covers injuries to others, you need to purchase the option to cover you if you’re sued for libel, slander, and invasion of privacy.
This unique approach makes Homesite an attractive option for people who want basic homeowners insurance at an affordable price.
Homesite is a relatively new and fast-growing insurance company. It is financially strong and offers affordable, basic policies entirely online. The company is an attractive option for value-conscious insurance shoppers, but it may not be the best choice for those seeking a wide range of options and who are willing to pay more for them.
https://www.homesite.com