Homesite Insurance Review & Complaints: Life, Auto & Home Insurance (2024)

Homesite Insurance started out offering solely home insurance and renters insurance policies, aiming to keep homeowners insurance rates down through an entirely online direct buy experience.

Finding the ideal home insurance policy that aligns perfectly with your requirements can frequently become a daunting and perplexing endeavor. Moreover, opting for an in-person policy purchase may amplify the anxiety and stress associated with procuring insurance, exacerbating the overall experience. For any inquiries about Progressive Homesite Insurance, including reviews or assistance, you can reach out to their customer service team via phone at the Progressive Homesite Insurance phone number.

With the vast array of information available online, one might assume that choosing a homeowners insurance provider would be straightforward. However, the abundance of options can actually make the decision more challenging. How does one navigate through the multitude of providers to ensure they select the right insurance company that aligns with their specific coverage needs, especially when purchasing through platforms like Progressive Home by Homesite? Additionally, considering factors like Progressive home insurance reviews on BBB adds another layer of complexity to the decision-making process.

Homesite Insurance took note of these concerns and proactively improved their online insurance purchasing process, responding to feedback from customers regarding their experiences with Homesite renters insurance reviews and overall Homesite reviews.

If too many insurance options are overwhelming, we’re here to help. Our guide will assist you in finding a company specializing in homesite business insurance. Look no further than Homesite Insurance for your home and renters insurance needs.

Who is Homesite Insurance owned by? Is Homesite Insurance part of Progressive or Geico?

Homesite Group Incorporated, under the ownership of American Family Insurance, offers a variety of insurance products primarily through that affiliation. You can find reviews of Homesite Group Incorporated online to learn more about their offerings.

Whether you’re insuring your vehicle, residence, or life, safeguarding your assets is crucial for the security of you and your loved ones both now and in the future. Our comprehensive review of Homesite home insurance aims to furnish you with the necessary insights to simplify the decision-making process when selecting the ideal insurance coverage tailored to your requirements. Our goal is to offer solutions to your inquiries regarding Homesite home insurance reviews.

If you want to know how much a Homesite Insurance policy costs in your area, try our free online quote tool. Just enter your ZIP code, and we’ll guide you through the process. You’ll get a detailed homeowners insurance quote in no time, helping you choose the right policy. It’s that easy, whether you’re with Homesite or affiliated with Geico.

How are Homesite Insurance reviews and ratings?

Just as banks diligently assess your financial stability before extending a loan, it’s equally crucial to scrutinize the financial standing of your insurance company, especially when covering potential property damage costs. Ensuring that the insurance provider you choose is financially robust is essential. This applies to evaluating Homesite homeowners insurance reviews to gauge their financial security.

We have provided both the financial rating as well as product review ratings below in the headers that follow.

A.M. Best

Is Homesite insurance reputable?

The most effective method to assess an insurance provider is by examining their creditworthiness through the evaluation of specialized credit agencies like A.M. Best. According to A.M. Best’s rating system, Homesite Insurance Company holds an A rating, indicating strong financial stability both presently and in the foreseeable future.

What does this mean for you the policyholder? This means that Homesite Insurance is a good candidate financially speaking to safeguard your investments. Homesite Insurance is more than capable of backing up the expenses for any property insurance policy, whether it be a homeowners policy, renters policy, life insurance policy, or auto policy, that you would purchase from them.

J.D. Power

J.D. Power measures customer satisfaction through customer reviews and rates products. They have made but also extend to industries such as insurance.

In the homeowners category of insurance, J.D. Power gives an overall rating of two out of five in product review but also awards them 760 out of 1,000 points in overall consumer satisfaction.

The circle ratings may be on the low side showing some need for improvement in the Homesite Home Insurance complaint department, but the more accurate point rating system shows that well over half of consumers are pleased with the product and Homesite Insurance customer service.

Better Business Bureau

Homesite Insurance boasts an A+ score with the Better Business Bureau (BBB). Although they aren’t accredited by the BBB, they’ve managed to address 108 complaints over the last three years, with 22 of those resolved within the past year. If you need assistance, you can reach Homesite Insurance through their claims phone number.

There have been 316 Homesite Insurance reviews posted on Consumer Affairs, giving the company a rating of just over 1 star overall. The majority of the reviews are negative. Most of these involve a very difficult claims experience.

Yelp has 12 reviews and a 1-star rating overall. The volume here is not too high, but the complaints are much the same.

A lot of the complaints appear to come from customers that purchased Homesite policies through Progressive or GEICO home insurance; many of these customers were surprised to learn that they did not actually have a policy with the company they purchased through, an issue that cannot be blamed on Homesite.

What is Homesite Insurance?

Homesite Insurance was founded in 1997 in Boston, MA, and has since expanded across the country, offering homeowners insurance coverage in most states. They are a home insurance company, as the name implies, and for much of their history offered solely home and renters insurance offerings.

In 2014, Homesite became a part of American Family Insurance, and their website now advertises that they also offer term life insurance, auto insurance, and commercial insurance. The auto and life insurance products are actually underwritten by American Family, while Homesite continues to write their home insurance policies. Commercial insurance also appears to be directly underwritten by Homesite.

Homesite Insurance Group has several member companies, and policies may be underwritten by any of those companies depending on where you live.

Homesite products are sold directly online and not through an insurance agent– with the exception of those that are through American Family, as an insurance agent may be involved in those. They also partner with major car insurance companies to provide homeowner’s insurance in order to create a bundle for their customers – GEICO and Progressive homeowners insurance are among them.

What insurance products does Homesite offer?

Homesite’s website offers only basic information on their products, with an outline of standard and optional coverage for each option. Since they do not underwrite auto or life insurance, we will not go over those products in detail – check out our review of American Family Insurance for information on their auto and life products.

Home Insurance

Homesite’s base homeowners insurance policy for a single-family home includes coverage for the structure and for personal property and belongings, as well as loss of use and medical payments to others. Unusually, the homeowner’s policy does not appear to come with liability insurance as a standard coverage.

The options listed are extended coverage on the house itself, coverage for special valuables, identity theft, and personal injury protection. While it is not named that way, the personal injury protection appears to be what would be called personal liability at most insurance companies. There is no explanation for this.

The Condo insurance policy, on the other hand, does include personal liability as a standard coverage. In every other way, it is much the same as the homeowners insurance policy, with the exception of the structure coverage that is not needed for a condo. Personal injury protection is again offered as an option.

Like the Condo policy, the Renter’s policy also includes personal liability coverage. It also adds mold protection as a standard coverage, which is pretty unusual for this type of policy.

Homesite also offers flood insurance as a separate add-on policy.

Commercial Insurance

Similar to the personal side of things, Homesite does not provide much of a description of their commercial products.

They write General Liability policies, Business Owner’s Package policies, and Worker’s Compensation as well.

Life and Auto

These two products are underwritten by American Family Insurance. The auto page takes you directly to that company’s website for a quote, but the life insurance appears to be sold and quoted by Homesite in spite of being an American Family product.

The life insurance policies offered are both term life, one being a standard term policy and the other an annual renewable policy. Limited information is offered on these products.

Are Homesite Insurance rates reasonable?

Since auto insurance with this company is actually written by American Family, we recommend visiting our review of that company in order to get rate and auto insurance policy information.

We ran a quick quote for term life insurance, using the sample of a 30-year-old male non-smoker living in California. The coverage amounts offered in the quote ranged from $50,000 up to $250,000, with 10, 20, and 30-year terms available.

A $100,000 10-year level term policy was quoted at $14.90 a month. At 30 years, the same policy was quoted at $22.60 a month. Those rates are reasonable, but not the least expensive we have seen for similar coverage.

Homesite Insurance Claims Process

Ease of Filing a Claim

Homesite Insurance offers multiple avenues for filing a claim, providing customers with flexibility and convenience. Policyholders can file claims online, over the phone, or through mobile apps, ensuring they can choose the method that suits them best. This accessibility can be especially helpful during stressful situations when quick and efficient claims processing is crucial.

Average Claim Processing Time

The average claim processing time is a crucial factor for policyholders, as it determines how quickly they can receive compensation in the event of a covered loss. Homesite Insurance aims to provide prompt service to its customers.

However, specific processing times may vary depending on the complexity of the claim and the documentation provided. Policyholders can inquire about estimated processing times when filing their claims.

Customer Feedback on Claim Resolutions and Payouts

Assessing an insurance company’s handling of claims is pivotal, and customer input serves as a vital resource. Homesite Insurance garners diverse feedback, encompassing both favorable and unfavorable assessments of its claim resolution process and payout efficiency. For further inquiries or to share feedback directly, individuals can reach out to Homesite Insurance via their provided phone number. Additionally, Homesite’s rating serves as another metric to consider when evaluating its overall performance.

Policyholders have reported varying experiences, with some expressing satisfaction with the efficiency and fairness of the process, while others have raised concerns about difficulties in claim settlements. It’s essential for prospective customers to consider this feedback when making their insurance decisions, especially concerning Homesite Insurance policies purchased through Progressive.

Digital and Technological Features of Homesite Insurance

Mobile App Features and Functionality

Homesite Insurance offers a mobile app to enhance the customer experience. The app provides policyholders with convenient access to their insurance information, allowing them to view policy details, make payments, and even file claims directly from their mobile devices.

The functionality and user-friendliness of the app play a crucial role in ensuring a smooth insurance experience for customers.

Online Account Management Capabilities

Efficient management of accounts online constitutes a pivotal element of contemporary insurance provisions. Homesite Insurance Company showcases robust capabilities in online account management, enabling policyholders to effortlessly modify their details, peruse policy documents, and monitor claims progress. This functionality aligns with Homesite Insurance Company’s esteemed AM Best rating.

This digital convenience empowers customers to have more control over their insurance policies and reduces the need for traditional paperwork.

Digital Tools and Resources

To assist policyholders in making informed decisions and navigating their insurance coverage effectively, Homesite Insurance provides various digital tools and resources.

These resources may encompass informative content, insurance calculators, and instructional guides aimed at enhancing customers’ comprehension of their policies. The intention behind these digital assets is to enable policyholders to make knowledgeable decisions regarding their insurance requirements and coverage choices, aligning with Homesite Insurance’s esteemed AM Best rating.

What’s the bottom line?

Homesite Insurance Company likely garners a significant portion of its clientele through collaborations with other firms, presenting an appealing option for those seeking to consolidate their coverage with partners like Geico or Progressive. However, the scarcity of specifics regarding their offerings complicates the assessment of their value proposition, rendering it challenging to establish a definitive viewpoint on the company. For more insights, individuals may refer to Homesite Insurance Company reviews or reach out to the Homesite Insurance phone number.

Have we piqued your interest in purchasing an insurance policy from Homesite Insurance online?

Either way, you can get a better idea of how much such a policy will cost you by using our free online quote option. All you have to do is type in your ZIP code, and we will take care of the rest. We will provide you with a detailed run down of a Homesite Insurance policy of your choosing. The online process just got a whole lot easier when it comes to shopping insurance companies.