Homesite Homeowners Insurance Review 2024
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Coverage options
Discounts
NAIC complaints
Homesite
Coverage options
Discounts
NAIC complaints
About Homesite home insurance
Homesite homeowners insurance earned 4 stars out of 5 for overall performance. Founded in 1997, Boston-based Homesite is part of the American Family insurance group. Unlike some other companies that sell policies primarily through agents, Homesite offers a quick quote process that makes it easy to buy a policy online in many states. The company has a variety of optional coverage types that you can add to your policy.
Where Homesite stands out
Free protection from wildfires in some states. The Wildfire Defense Systems included with your policy could potentially save your home.
Online quotes. If you’re not up for calling an agent to buy a policy, you’ll appreciate Homesite’s easy online quote process, which lets you customize your coverage in a variety of ways.
Where Homesite falls short
Customer satisfaction. Homesite finished last for customer satisfaction in J.D. Power’s 2023 Home Insurance Study.
No mobile app. Homesite doesn’t have an app to help you manage your policy, though its website offers some useful functions.
Homesite home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Type of coverage | What it does |
|---|---|
Pays to repair or rebuild the structure of your home. | |
Covers damage to unattached structures such as sheds or fences. | |
Pays to repair or replace personal belongings such as furniture or clothing. | |
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs. | |
Covers legal expenses and damages if you're responsible for injuries to other people or their property. | |
Covers injuries to guests in your home, regardless of fault. |
For more details, see What Does Homeowners Insurance Cover?
Depending on where you live, Homesite’s personal liability coverage may not automatically apply to incidents involving pets or swimming pools. Instead, you may have to add animal or pool liability to your policy separately if you need either type of coverage.
For homeowners policyholders in Arizona, California, Colorado, Nevada, Oregon and Washington, Homesite offers free access to Wildfire Defense Systems. If a fire is threatening your area, WDS may take protective actions such as setting up sprinkler systems, removing anything combustible from around the house and applying fire-retardant gel.
You may also be able to add the following to your policy:
Identity theft coverage. If someone steals your identity, this coverage can pay for legal fees and other expenses associated with recovery.
Personal injury coverage. This coverage expands your liability insurance to cover libel, slander and invasion of privacy claims.
Extra coverage for valuables. A standard homeowners insurance offers limited coverage for jewelry, musical instruments and other pricey items. Adding this coverage ensures you’ll be reimbursed for their full value if they’re damaged or stolen.
Extended dwelling coverage. In case your home costs more to rebuild than expected due to inflation or high demand, this option adds a 25% or 50% cushion to your dwelling coverage limit. So if you have $200,000 of coverage for the structure of your home, Homesite would pay an extra $50,000 to $100,000 if necessary to rebuild it after a covered claim.
Replacement cost coverage for personal property. If your belongings are stolen or damaged, many homeowners policies reimburse you on an actual cash value basis. That means your payout is based on what the items were worth at the time of the incident. For older items, you might not get much of a payout since they’ve lost value over time. With replacement cost coverage, you’ll receive enough to buy brand-new replacement items.
Water backup coverage. This coverage pays for damage from a sewer line or drain that backs up, or a sump pump that overflows.
Mold protection. This coverage can reimburse you to test and remove wet or dry rot, fungi or bacteria.
Equipment breakdown coverage. If a major appliance or household system has a mechanical or electrical failure, this coverage can pay for repairs or replacement.
Service line coverage. This endorsement pays for damage to underground pipes, wires or other lines that serve your home.
Earthquake protection. Standard homeowners policies won’t pay for earthquake damage, so this coverage may be useful to add if you live in an area at risk.
Additional belongings coverage. This endorsement expands what the personal property section of your policy will cover to include scenarios like spills and drops.
Increased roof coverage. Having this coverage ensures you’ll get enough to fully replace a damaged roof after a hail- or windstorm (minus your deductible), rather than a partial payout based on the age of the roof.
Discounts
Depending on where you live, the following might earn you a discount on Homesite homeowners insurance:
Being a new homebuyer.
Having a centrally monitored burglar or fire alarm.
Having indoor sprinklers in your home.
Getting a new roof.
Bundling your homeowners policy with an auto policy from Homesite’s sister company, Connect.
» MORE: The cheapest home insurance
Consumer complaints
Homesite had fewer than the expected number of complaints to state regulators relative to its size for home insurance, according to three years' worth of data from the National Association of Insurance Commissioners.
Consumer experience
Website: It’s easy to get a homeowners insurance quote on Homesite’s website. You can also use the site to pay bills, set up autopay and view policy details.
Claims: You can file a claim through your online account or by calling 866-621-4823. You can also use your online account to track the status of an existing claim. Learn more about how to file a home insurance claim.
Customer service: Homesite offers customer support by phone (800-466-3748) and email ([email protected]).
The bottom line
Homesite’s range of coverage options makes it a good fit for various homeowners. However, you may want to consider another company if you value working with a local agent to figure out the coverage you need.
Current Product
|  |  |
|---|---|---|
NerdWallet rating 4.0 /5 | NerdWallet rating 3.5 /5 | NerdWallet rating 3.5 /5 |
Complaints to NAIC Fewer than expected | Complaints to NAIC More than expected | Complaints to NAIC More than expected |
Coverage About average | Coverage More than average | Coverage More than average |
Discounts Average set of discounts | Discounts Average set of discounts | Discounts Great set of discounts |
Bottom line Homeowners insurance that’s easy to buy online. | Bottom line Best for tech-savvy homeowners who want quick and easy coverage. | Bottom line Costco homeowners insurance policies come from Connect, an American Family company. |
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
Homeowners insurance star ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
