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Homesite insurance review 2024

Updated Apr 11, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

Bankrate's take

Policyholders who value extensive homeowners endorsements and discounts over robust auto or life insurance policies might consider Homesite as their company of choice.

  • Offers rental reimbursement auto coverage and emergency roadside service
  • Offers identity theft protection to cover up to $15,000 in expenses
  • A (Excellent) rating from AM Best
  • Convenient online quoting tool

Homesite car insurance review

Founded in 1997, Homesite was one of the first insurance companies to allow customers to buy property insurance online instantly. In 2014, American Family acquired Homesite, so Homesite’s policies are now underwritten by CONNECT and powered by American Family. This carrier could be a good choice for those looking to bundle policies since it offers multiple product lines, such as auto, life, commercial, homeowners, condo and flood insurance.

Homesite offers the standard car insurance coverage types you would expect like liability, comprehensive and collision. Although the company’s car insurance endorsement options are a bit sparse, you can choose to include rental reimbursement coverage and emergency road service. Homesite writes policies in every state and Washington, D.C.

Pros and cons of Homesite car insurance

Finding the best car insurance company can be challenging, but figuring out your priorities ahead of time by listing a carrier’s pros and cons can help you better evaluate an insurer on a holistic level.

Green circle with a checkmark inside

Pros

  • Rental reimbursement available
  • Many car insurance discounts offered
  • 12-month policies may be available, depending on your state
Red circle with an X inside

Cons

  • No accident forgiveness
  • Customer service is not 24/7
  • No live chat
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Homesite car insurance cost

Bankrate’s insurance editorial team keeps track of average premiums across the country via proprietary rate data sourced from Quadrant Information Services. According to our research, the national average cost of car insurance for a full coverage policy is $2,545 per year, with a minimum coverage policy averaging $741 per year. However, how much you pay for car insurance can vary based on several rating factors, including (but not limited to) your driving record, location, the type of vehicle you drive and, in some states, your credit history.

Rate data for Homesite is not available, so you will have to request a quote online or reach out to a licensed agent to find out how much you might pay for Homesite car insurance.

Homesite customer satisfaction

For some, customer service is as important as cheap rates. Bankrate’s insurance editorial team typically looks at various third-party scoring metrics to evaluate a company’s customer satisfaction and financial strength. Many Homesite insurance products are unrated by J.D. Power for customer satisfaction, but the company did earn 533/1,000 in the 2023 U.S. Insurance Digital Experience Study in the shopping category. In addition, AM Best rated it an A (Excellent) for financial strength. However, Homesite may have several underwriting companies, and these companies’ performance may vary depending on the type of insurance and location.

Homesite auto claims satisfaction

Homesite car insurance is underwritten by CONNECT. While Homesite itself was not included in the 2023 J.D. Power U.S. Auto Insurance Study, CONNECT was included in the California region, where it earned second place with a score of 839. CONNECT was not included in the 2023 U.S. Auto Claims Satisfaction Study from J.D. Power.

Homesite auto insurance customer complaints

The National Association of Insurance Commissioners (NAIC) tracks customer complaints against insurance companies and uses them to calculate complaint indexes for each carrier based on market share. An average (or baseline) number of customer complaints equals a complaint index score of 1.00. A score higher than 1.00 indicates more complaints than average and a score lower than 1.00 indicates fewer complaints.

For complaints filed against Homesite's auto insurance product, we analyzed the index for its underwriter, CONNECT. Since 2021, CONNECT has experienced a higher-than-average volume of claims on its private passenger policies.

Homesite car insurance discounts

If you are searching for the cheapest car insurance company, Homesite offers a long list of discount opportunities that might help you save. Discounts could have additional eligibility and availability restrictions, so for more information, reach out to a Homesite agent. Potential offerings include:

  • Garage discount: If you park your vehicle in a garage instead of on the street, you could earn a discount.
  • Affiliation discount: You might save on your 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. You may want to check with your insurance agent for details.
  • Electronic payments discount: Paying your car insurance bill electronically rather than through regular mail could net you some savings on your premium.

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Homesite home insurance review

Policyholders looking for robust home insurance coverage may find Homesite especially appealing. Compared to its auto insurance, Homesite has many coverage add-ons available that allow homeowners to personalize their policies.

In addition to standard home insurance coverage types like dwelling and personal property, you can add endorsements such as extended replacement cost. This option can provide 25 to 50 percent of extra dwelling coverage should the amount needed to replace your home exceed your dwelling limit. Some of the other endorsement options Homesite offers include water backup coverage, identity theft protection and an earthquake endorsement.

Pros and cons of Homesite home insurance

When comparing home insurance quotes, it can be easy to lose track of what benefits each carrier provides. To simplify the process, you may find it helpful to make a list of pros and cons.

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Pros

  • Plentiful homeowners endorsement options may make for a robust policy
  • Online customer portal allows for policy management
  • Multiple homeowners insurance discounts offered
Red circle with an X inside

Cons

  • Some states (such as Florida) are not eligible for online quotes
  • No mobile app available
  • Ranked last in the J.D. Power 2023 U.S. Home Insurance Study
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Homesite home insurance cost 

According to Bankrate’s extensive research, the national average cost of home insurance for $300,000 in dwelling coverage is $1,759 per year. However, insurance companies consider many factors to determine home insurance rates, including the age of your home, its location and your prior claims history, among other things. As such, you may be paying more or less than the average.

Homesite average home insurance premiums are unavailable. For more information, please contact the company directly.

Homesite customer satisfaction

Third-party ratings like those from J.D. Power, AM Best and the NAIC can provide valuable insight into an insurer’s customer satisfaction. J.D. Power evaluates customer satisfaction across various dimensions, AM Best assesses financial strength indicating the insurer's ability to pay claims and NAIC offers a complaint index reflecting the volume of complaints relative to the company's size. These metrics combined can offer a comprehensive view of Homesite's performance in areas important to policyholders.

Homesite homeowners claims satisfaction

Homesite ranked last in the 2023 J.D. Power U.S. Home Insurance Study, with a score of 782. Although it performed slightly better in the U.S. Property Claims Satisfaction Study, it still scored below average. This data shows that homeowners who prioritize customer service may want to do further research before making their decision to switch.

J.D. Power Property Claims Satisfaction Study

Homesite home insurance customer complaints

Homesite's home insurance product hovers around the industry average for complaints relative to its market share.

Homesite home insurance discounts

For those looking for the cheapest home insurance, Homesite offers several discount opportunities. Homeowners insurance discounts vary by state, so it may be a good idea to request a quote or speak with an agent if you have specific questions about eligibility requirements. Some of the standout discounts that may apply to Homesite home insurance policies include:

  • 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 you 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, rather than purchasing each endorsement a la carte.

Get personalized home insurance quotes

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Homesite life insurance review

Homesite offers simple life insurance policies, so this coverage may be best for those looking for no-frills life insurance coverage or for people who already have a policy with Homesite and prefer to bundle their policies with the same insurance provider. There are three types of policies available with Homesite life insurance, including simplified term life, children’s whole life and senior whole life insurance.

Although Homesite only offers three types of life insurance, it may provide some options to allow for policy customization. For instance, there are four term limits you can choose from for the company’s simplified term policy: 10-year, 15-year, 20-year and 30-year terms. Additionally, Homesite offers a guaranteed purchase option on its children’s whole life insurance policy, which allows the purchase of additional coverage at certain milestones, regardless of the policyholder’s health.

Pros and cons of Homesite life insurance

Life insurance can be complex, but Bankrate is here to help you make sense of this important coverage. The list below could help you determine if Homesite life insurance is right for you.

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Pros

  • Lower-than-average amount of customer complaints with the NAIC
  • No medical exam required for term life insurance
  • Underwritten by American Family Life Insurance Company
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Cons

  • Rider information is not provided online
  • Whole life policies are only available for children and seniors
  • Maximum death benefit for senior whole life is capped at $15,000

Homesite life insurance riders

Although endorsements may increase the cost of your life insurance policy, they can help you personalize coverage to fit your individual needs. However, Homesite doesn’t list its life insurance rider options on its website, so you’ll want to contact an agent for a life insurance quote if you have questions.

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Compare Homesite with other insurers

Although Bankrate’s insurance editorial team works to provide a comprehensive Homesite insurance review, you may still wonder if this is the right company for you. While you’re shopping around, you may want to consider looking into the following comparable providers.

Badge 1 Featured

Homesite

Homesite
Not scored
Info

State Farm

State Farm
Rating: 4.3 stars out of 5
4.3
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Cost & ratings

Rating: 4.4 stars out of 5
4.4

Coverage

Rating: 3.9 stars out of 5
3.9

Support

Rating: 4.4 stars out of 5
4.4

USAA

USAA
Rating: 4.5 stars out of 5
4.5
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Cost & ratings

Rating: 4.6 stars out of 5
4.6

Coverage

Rating: 4.5 stars out of 5
4.5

Support

Rating: 4.2 stars out of 5
4.2
OVERVIEW
Info
Policyholders who value a personalized experience through a local agent, bundling insurance policies with the same company and highly rated customer service might consider State Farm as their company of choice.
Active military and veteran policyholders who value customer service, robust policy options and military-focused coverage over in-person support through local agents might consider USAA as their company of choice.
STANDOUT FEATURES
Info
Loan
Numerous discounts offered
Online Search
Sells many other kinds of insurance
Cd Rates
Offers banking and investment products
Federal Reserve
Military on-base discount
Auto Car
SafePilot telematics program
Loan
MyUSAA Legacy discount
AVG FULL COV. AUTO RATE
Info
$2,364 $1,695
JD POWER AUTO SCORE
Info
882/1000 890/1000
AVG HOME RATE
Info
$1,774 $1,442
JD POWER HOME SCORE
Info
829/1000 881/1000
AM BEST RATING
Info
A++(Superior) A++(Superior)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Homesite insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is Homesite a good insurance company?

Insurance is a personalized product. Everyone needs something different from their provider, so whether Homesite is a good company depends on your needs. If you are looking for a homeowners insurance company that offers robust coverage and discount options, then Homesite could be a good choice. On the other hand, those who want lots of life insurance options or prioritize top-notch customer service may find a better fit elsewhere. To settle on a decision of whether Homesite is a good company for you, consider speaking with an agent or requesting a quote.

What are real-life customers saying about Homesite?

To gather insights into Homesite's insurance services, we explored real customer feedback from Reddit and Trustpilot. These platforms allow users to share their personal experiences as Homesite customers, covering aspects from policy management to claims processing. Such firsthand accounts can be invaluable for understanding the real-world implications of choosing Homesite as your insurer, offering a spectrum of perspectives on their customer service, efficiency and overall satisfaction levels.

Reddit

Reddit users have expressed dissatisfaction with Homesite, particularly criticizing the company's customer and claim services. Complaints include issues with responsiveness and efficiency, especially when handling claims related to property damage. These shared experiences suggest potential challenges in dealing with Homesite's claim process and customer support.

Reddit user 1
Oct 5, 2022
Personally I would stay away from Homesite...
“Personally I would stay away from Homesite. They are not known for their customer service or claim services.”
Reddit user 2
Jan 25, 2024
Homesite has been an absolute nightmare to...
“Homesite has been an absolute nightmare to deal with since a tree fell on my roof. As others have said, they seem to strive to be as incompetent and unresponsive as possible. I absolutely think they’re told to do this in order to try to wear you down so that you don’t want to deal with the hassle of pursuing a supplement to your claim.”

Trustpilot

Trustpilot reviews for Homesite insurance highlight significant dissatisfaction among some policyholders. Users express frustration over unexplained and substantial premium increases, feeling misled and financially strained. There are also complaints about claim denials for damage deemed cosmetic, conflicting with policyholders' expectations based on their policy terms, leading to prolonged disputes.

Trustpilot user 1
Feb 24, 2024
Demand for Refund of Unjustified Premium Increases
Rating: 1 stars out of 5
“I am compelled to share my deeply frustrating experience with Homesite Insurance and demand accountability for their unjustified premium increases, which have left me feeling cheated and financially burdened. For nearly three years, I remained unaware of Homesite Insurance's unexplained premium hikes, which inflated from $890 to $1,276 after one year, and then surged to an astonishing $2,722 after two years. These hikes blindsided me and put a significant strain on my finances. It wasn't until I contacted my mortgage provider to understand the sudden spike in my payments that I learned the truth. My mortgage increase was directly tied to Homesite's escalating premiums. This lack of transparency and communication from Homesite only deepened my frustration and sense of betrayal.”
Trustpilot user 2
Feb 2, 2024
I would give this company zero stars if…
Rating: 1 stars out of 5
“I would give this company zero stars if I could. They are denying full repairs of my house saying that the damage to the garage door and gutters is cosmetic and they do not repair cosmetic damage. Meanwhile, the policy states in the hail and windstorm rider that, “damage will be repaired to the condition it was before the damage occurred.” My gutters and garage door weren't hail damaged before the storm. They've now taken over 8 months to get to this point. If someone offers you Homesite, run the other direction.”

Homesite company details

  • Customer service: 1-800-466-3748
  • Claims: 1-866-621-4823
  • Website: go.homesite.com
  • Email: customerservice@homesite.com
  • Payment mailing address: Homesite Insurance, P.O. Box 414356, Boston, MA 02241-4356

State availability

Homesite has underwriting companies in all 50 states and Washington, D.C., but not all policy types are available in all states.

Homesite tools and benefits

If you’re on the fence about Homesite insurance, the following perks may sway your decision.

  • Condo insurance: Even if your condo association offers insurance, you are likely responsible for damage inside your unit and damage to your personal belongings. This is where condo insurance may step in.
  • Renters insurance: Renters may be interested in this policy, as it provides financial protection for your personal belongings and liability.
  • Commercial insurance: Owning a business comes with unique exposures that require commercial insurance. Homesite offers general liability, business owner’s policies and workers’ compensation policies in its suite of commercial products.
  • Flood insurance: A standard homeowners policy does not typically cover floods. Homesite can help provide financial protection for this devastating natural disaster through the National Flood Insurance Program (NFIP).

Frequently asked questions about Homesite

Methodology

Auto

Bankrate utilizes Quadrant Information Services to analyze April 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female homeowners with a clean claims and incidents history, good credit and the following coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
Written by
Ashlyn Brooks

Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.

Edited by Editor, Insurance