Homeowners of America Home Insurance Review 2024

Homeowners of America sells policies through local independent agents.

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Written by Sarah Schlichter
Lead Writer
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Fact Checked
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Homeowners of America

3.5

NerdWallet rating 
Coverage available through local agents.

Coverage options

Below average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Homeowners of America

3.5

NerdWallet rating 
Coverage available through local agents.

Coverage options

Below average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected
  • Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. See our criteria for evaluating homeowners insurance.

  • More than 270 million rates analyzed by our team of specialists.

  • More than 50 insurance companies analyzed in all 50 states and Washington D.C. (See our top picks.)

Homeowners of America home insurance review

3.5

NerdWallet rating 

Homeowners of America home insurance earned 3.5 out of 5 stars for overall performance. As its name implies, Homeowners of America sells mainly homeowners insurance, though it also offers renters, condo and landlord policies in 22 states. Homeowners of America home insurance is available through independent agents.

Where Homeowners of America home insurance stands out

Lots of ways to save. Though discounts vary by state, Homeowners of America offers a lot of potential ways to reduce your home insurance rates.

Customer service. Spanish-language support and a 24-hour claims line are two useful features for consumers. Plus, the company’s low number of consumer complaints suggests that most policyholders are happy with their coverage.

Where Homeowners of America home insurance falls short

Digital features. Homeowners who want to get an online quote or use a mobile app to manage their policies won’t have these options with Homeowners of America.

Availability. The company has expanded rapidly over the past few years, but its homeowners policies are still not available nationwide.

Why Homeowners of America is worth a look

Homeowners of America might be a good choice if you want to work with an agent to determine your coverage and you don't mind buying home and auto insurance from different companies.
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State availability

Homeowners of America sells homeowners insurance policies in 22 states.

Availability may change at any time. Coverage may not be available to all homeowners in a given state.

Homeowners of America home insurance coverage

You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:

  • Dwelling. Pays to repair or rebuild the structure of your home.

  • Other structures. Covers damage to unattached structures such as sheds or fences.

  • Personal property. Pays to repair or replace personal belongings such as furniture or clothing.

  • Loss of use. Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

  • Personal liability. Covers legal expenses and damages if you're responsible for injuries to other people or their property.

  • Medical payments. Covers injuries to guests in your home, regardless of fault.

Optional Homeowners of America home insurance coverage

Homeowners of America also offers optional endorsements you may be able to add to your policy:

Backup of sewers or drains coverage pays for damage from water that backs up into your home.

Equipment breakdown coverage pays to repair or replace kitchen appliances, water heaters, air conditioning systems and other appliances if they break down.

Replacement cost coverage on personal property offers a more generous payout if your belongings are stolen or destroyed. With this coverage, the insurer will pay enough for you to buy brand-new replacements for the lost items. Without this coverage, you’d receive less of a payout for older items because they’ve lost value over time.

Increased limit on jewelry and watches provides extra coverage for the theft of valuables worth more than the coverage limit in your standard policy.

Refrigerated personal property coverage pays up to $500 if you lose food in your fridge or freezer due to a power outage.

Pet coverage can pay kenneling fees if you need to move out of your home temporarily after a covered claim. It can also cover vet fees or burial expenses if your pet is injured or killed in a fire or other covered disaster.

Service line coverage pays up to $10,000 for damage to underground utility pipes or wires that serve your home.

Mortgage extra expense coverage can help with mortgage payments if your home is completely destroyed by a covered disaster. Specifically, if you end up with a new mortgage when rebuilding your house, this coverage can pay for application fees and any difference in interest rate.

Coverage options vary by state, and deductibles may apply. (A home insurance deductible is the amount subtracted from your claim payout.)

What’s not covered by Homeowners of America home insurance

Standard Homeowners of America home insurance policies typically do not cover damage caused by:

  • Flooding.

  • Backed-up sewers and drains.

  • Neglect.

  • Wear and tear.

Optional coverage is available for some of these scenarios.

Discounts

Depending on where you live, Homeowners of America might offer discounts for:

  • Having a new home.

  • Having a centrally monitored alarm system or other security features.

  • Living in a gated community.

  • Taking steps to protect your home from wind.

  • Having a smoke alarm or sprinkler system.

  • Getting a homeowners quote in advance of when you need the policy to start.

  • Going a certain amount of time without filing a claim.

  • Having a VA loan.

  • Using smart-home technology.

  • Having a new or hail-resistant roof.

  • Being a recent home buyer.

  • Having another policy from the agency where you bought your homeowners policy.

  • Buying a new home built by an accredited builder.

Consumer complaints

Homeowners of America 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: You can’t get a quote on the Homeowners of America website, but you can look up local agents, file claims, pay bills and see policy information. The website also has basic information about the company’s homeowners policies.

Claims: You can file a claim online, through email at [email protected] or by calling 866-407-9896. Assistance is available 24/7. For advice, see how to file a home insurance claim.

Customer service: For support, contact your local agent or call 866-407-9896. Spanish-speaking representatives are available. You can also email [email protected].

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Homeowners of America home insurance vs. competitors

Here's how policies from Homeowners of America stack up against those of other major insurers.

Insurer

NerdWallet star rating

Policy highlight

3.5

NerdWallet rating 

Specializes in homeowners insurance sold through independent agents.

4.5

NerdWallet rating 

Widely available, with lots of coverage options and discounts.

4.0

NerdWallet rating 

Big national brand with plenty of ways to save.

4.5

NerdWallet rating 

Policies may include coverage to bring your home up to current building codes after a claim.

4.5

NerdWallet rating 

Extended dwelling coverage included with standard policies.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as financial strength, consumer complaints, coverage, discounts and customer experience.

In our research, we analyzed:

  • More than 270 million homeowners insurance rates.

  • More than 50 insurance companies.

  • Nearly 200 homeowner profiles.

Frequently asked questions

Homeowners of America also sells renters, condo, landlord and flood insurance.

Homeowners of America sold its first policy in May 2006.

Porch Group Inc. bought Homeowners of America in 2021. Porch offers a variety of services for homeowners, including help finding movers, home improvement contractors and TV/internet packages.

Methodology

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 2021-2023. 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.

In This Review . . .