Homeowners of America Home Insurance Review 2024

Homeowners of America home insurance review

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.

» MORE: The best home insurance companies

State availability

Homeowners of America sells homeowners insurance policies in 22 states.

Homeowners of America home insurance coverage

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.)

» MORE: How much homeowners insurance do you need?

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.

» MORE: 9 ways to lower your homeowners insurance cost

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.

» MORE: 6 essential terms to understand in your homeowners policy

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].

» MORE: The average cost of homeowners insurance

Homeowners of America home insurance vs. competitors

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

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.

View our complete homeowners insurance rating methodology.

Methodology