Homeowners of America
- Low rate of consumer complaints.
- Many discounts available.
- Not available in all states.
- No online quotes or mobile app.
About Homeowners of America home insurance
Homeowners of America home insurance earned 4 out of 5 stars for overall performance.
As its name implies, Homeowners of America sells mainly homeowners insurance, though it also offers condo and landlord policies. Homeowners of America home insurance is available through independent agents.
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Answer a few questions to see custom quotes and find the right policy for you.Where Homeowners of America home insurance stands out
Customer service. A 24-hour claims line and Spanish-language support are two useful features for consumers. Plus, the company’s low rate of consumer complaints suggests that most policyholders are happy with their coverage.
Lots of ways to save. Though discounts vary by state, Homeowners of America offers a lot of potential ways to save money on home insurance.
Where Homeowners of America home insurance falls short
Availability. The company has expanded rapidly over the past few years, but its homeowners policies are still not available nationwide.
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. Instead, you’ll need to work with an agent.
What Homeowners of America home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
For more details, see What Does Homeowners Insurance Cover?
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 that have 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 a 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
Standard Homeowners of America home insurance policies typically won't cover damage caused by:
Flooding.
Backed-up sewers and drains.
Neglect.
Wear and tear.
Optional coverage is available for some of these scenarios.
Where Homeowners of America home insurance is available
Homeowners of America sells homeowners insurance policies in 21 states.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best home insurance in your state
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.
Protecting your home from wind damage.
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 satisfaction
One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Homeowners of America scores well on this measure, drawing a low proportion of complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
How to file a claim with Homeowners of America
You can file a claim online, by emailing claims@hoaic.com or by calling 866-407-9896. Assistance is available 24/7.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact Homeowners of America customer service
Phone: Contact your local agent or call 866-407-9896. Spanish-speaking representatives are available.
Email: You can email customerservice@hoaic.com.
Online tools
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.
Mobile app: Homeowners of America doesn’t offer an app.
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Answer a few questions to see custom quotes and find the right policy for you.Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
What other types of insurance does Homeowners of America offer?
What other types of insurance does Homeowners of America offer?
Homeowners of America also sells condo, landlord and flood insurance.
How long has Homeowners of America been in business?
How long has Homeowners of America been in business?
Homeowners of America sold its first policy in May 2006.
Who owns Homeowners of America?
Who owns Homeowners of America?
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.
Star rating 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, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with 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.
