Homesite Insurance review: Auto, home and life

Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our

Founded in 1997, Homesite was one of the first insurance companies to allow customers to buy property insurance instantly online. Since then, the company has expanded into more insurance products, including auto, life, commercial and flood insurance.

In 2014, American Family acquired Homesite and continues to directly write new policies under the Homesite brand. Today, the company sells insurance in 47 states and Washington, D.C. This review breaks down Homesite’s most popular policies — auto, home and life insurance.

Homesite car insurance

Homesite Insurance promises a wide range of coverage options, flexible deductibles and fast claims handling for its auto insurance customers. Drivers can easily get a quote online and buy coverage the same day.

Types of coverage

Homesite’s standard auto insurance policies are fairly basic and include collision, comprehensive, property damage liability and bodily injury liability.

The company’s coverage add-ons are somewhat limited and include:

Discounts

Homesite also offers a few common discounts that can help drivers save money on their insurance:

  • Affiliation groups (college alumnus, employer groups, military members, etc.)
  • Good student
  • Good driver
  • Driver education course
  • Vehicle safety features
  • Garaged vehicles
  • Policy bundling
  • Multi-vehicle
  • Electronic payments
  • Pay in full
  • Early renewal

Homesite home insurance

Homesite stands out for its home insurance coverage, which is robust and offers important protections for peoples’ homes and personal belongings. The company has over 20 years of experience selling property insurance online, directly to customers.

Types of coverage

Homesite offers basic coverage to satisfy mortgage lenders, which covers the home, loss of use, medical payments to others and personal property. The company also offers a wide variety of endorsements that can be added to any policy for more personalized coverage, including:

  • Pet bites
  • Building code renovations
  • Falling debris coverage
  • Power outage coverage (covers cost of spoiled food)
  • Damage away from home
  • Identity theft protection
  • Valuables coverage
  • Extended coverage on your home
  • Water backup coverage
  • Earthquake coverage

Discounts

Homeowners can take advantage of many discounts with a policy from Homesite Insurance, including:

  • New home
  • Moving in discounts for a new home purchase or switching from condo or renters policy to homeowners policy
  • Policy bundling
  • Retired homeowner
  • Home safety equipment (anti-theft system, fire alarms and fire sprinklers)
  • Age of roof (less than 10 years old)
  • New construction
  • Endorsement package options (save on endorsement bundles)

Homesite life insurance

Homesite is not known for its life insurance policies, but the company does offer a few term and whole life insurance policy options. It’s life insurance policies are underwritten by parent company American Family, which has impressive financial strength and solid ratings. Instant online quotes are available for every policy type.

Types of policies offered

These are the life insurance policies that Homesite sells:

  • Simplified term life insurance: Terms available for 10, 15, 20 or 30 years, with coverage ranging from $50,000 to $500,000.
  • Children’s whole life insurance: Protects a child for their lifetime and builds cash value over time.
  • Senior whole life insurance: Lifetime protection with $10,000 or $15,000 in coverage.

Homesite ratings, reviews, customer satisfaction and complaints

Homesite receives mixed reviews in a few areas. The company is not ranked in the 2021 J.D. Power Auto Insurance Study or 2021 J.D. Power Life Insurance Study. While it does appear on the 2021 J.D. Power Home Insurance Study for overall customer satisfaction, it comes in last with a score of 779 out of 1,000 points. Furthermore, it receives a 1.4 complaint index rating for homeowners insurance, which is just above the national standard of 1.0 from the National Association of Insurance Commissioners (NAIC). This indicates a slightly higher number of complaints filed by policyholders versus other homeowners insurance.

Financially speaking, Homesite receives an A (Excellent) rating, from AM Best through its parent company, American Family Insurance. This is one of the ratings used to evaluate whether or not an insurance company has historically been able to pay out its claims.

Reasons Homesite is a good option

Homesite is a good option for anyone shopping for homeowners insurance. Property insurance is Homesite’s standout coverage, as it can be personalized and offer robust financial protection. Homesite also offers a few endorsement policies that may not be available with every provider, like falling debris and power outage coverage.

Homesite Insurance offers instant rate quotes online for every insurance product, including life insurance, which is fairly unique. For those who prefer to purchase insurance and manage their policy almost entirely online, Homesite may be a good option to consider. However, if you’re someone who prefers to work through an app, you may be disappointed. Homesite does not currently offer an app for management of any of its policies.

Additional policies offered by Homesite

In addition to auto, home and life insurance, Homesite also offers the following coverage:

Frequently asked questions

Is Homesite a good insurance company?

Overall, Homesite is a good insurance company. However, some policies are better than others. For instance, Homesite’s auto insurance policies are fairly basic and lack comprehensive coverage that other providers offer. On the other hand, Homesite’s home insurance is excellent, with a variety of coverage options and good discounts. Homesite also offers a few different life insurance policies backed by reputable provider American Family.

Does Homesite sell policies online?

One of Homesite’s main benefits is that people can shop for policies, get a price quote, purchase coverage and even file a claim online. The company does not have local insurance agents, which could be a downside for those looking for a more personal touch.

How much does Homesite insurance cost?

To get specific prices, applicants will need to start the quote process with Homesite. Like any insurance company, the cost of a Homesite policy depends on several factors like the type of policy, where the applicant lives, their insurance claims history and more. It’s a good idea to consider shopping around with various providers to get a better sense of typical costs for each individual. This general information about costs for home insurance, life insurance and auto insurance may help get the process started.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Insurance Editor