Homesite
- Easy online quotes.
- Variety of ways to customize your policy.
- Wildfire prevention services available to policyholders in select Western states.
- No mobile app.
- Rated below average for customer satisfaction in J.D. Power’s most recent Home Insurance Study.
About Homesite home insurance
Homesite homeowners insurance earned 4 stars out of 5 for overall performance.
Founded in 1997, 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 you can add to your policy.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Where Homesite home insurance stands out
Online quotes. If you’re not up for calling an agent to buy a policy, you’ll appreciate Homesite’s quick online quote process.
Coverage options. Before you buy, Homesite lets you customize your policy with a few clicks. You can raise or lower the default limits, or add extra coverage for things like earthquakes or identity theft. Options depend on where you live.
Free protection from wildfires in some states. The Wildfire Defense Systems included with your policy could potentially save your home.
Where Homesite home insurance falls short
Customer satisfaction. Homesite finished last for customer satisfaction in J.D. Power’s 2024 U.S. 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.
What Homesite 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?
Homesite’s policies generally cover your personal belongings on a replacement cost basis. That means if your stuff is stolen or damaged, the company will pay enough for you to buy brand-new replacement items.
Some homeowners policies reimburse you on an actual cash value basis. With this type of coverage, the company will pay your claim based on what the items were worth at the time of the incident. For older items, you might not get much reimbursement since they’ve lost value over time.
Homesite offers free access to Wildfire Defense Systems for policyholders in Arizona, California, Colorado, Nevada, Oregon and Washington. If a fire threatens your area, WDS may take protective actions such as:
Setting up sprinkler systems.
Removing anything combustible from around the house.
Applying fire-retardant gel.
More Nerdy Perspective
Living in a wildfire risk zone can make it much harder to find insurance for your home. Insurers may be more willing to cover your home if you take steps to prevent fires such as creating defensible space and choosing fire-resistant roofing materials. Learn how to assess your risk and protect your home against fires with our wildfire insurance guide.
Optional Homesite home insurance coverage
You may be able to add the following to your Homesite policy:
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. Say you have $300,000 of coverage for the structure of your home. Homesite would pay an extra $75,000 to $150,000 if necessary to rebuild it after a covered claim.
Water backup coverage. Pays for damage from a sewer line or drain that backs up, or a sump pump that overflows.
Increased roof coverage. Ensures you’ll get enough to fully replace a damaged roof after a hail- or windstorm (minus your deductible). Without this coverage, you'd receive a partial payout based on the age of the roof.
Extra coverage for valuables. 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.
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. Pays for damage to underground pipes, wires or other lines that serve your home.
Identity theft coverage. If someone steals your identity, this coverage can pay for legal fees and other recovery expenses.
Personal injury coverage. Expands your liability insurance to cover libel, slander and invasion of privacy claims.
Earthquake protection. Standard homeowners policies won’t pay for earthquake damage, so this coverage may be useful if you live in an at-risk area.
Additional belongings coverage. Expands what the personal property section of your policy will cover to include scenarios like spills and drops.
What's not covered
A standard Homesite policy won’t cover:
Flooding.
Earthquakes.
War.
Nuclear hazards.
Neglect or intentional damage.
Fungus or mold.
Pollutants.
Government actions.
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.
Bundling your homeowners policy with an auto policy from one of Homesite’s sister companies.
Having a new roof.
Another way to lower your premium is to raise your homeowners insurance deductible. (The deductible is the amount that will be subtracted from your payout if you ever file a claim.) Just be sure to choose an amount you’d feel comfortable covering out of pocket.
» MORE: The cheapest home insurance
Consumer satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Homesite gets a middling score on this measure, drawing an average proportion of home insurance 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.
Third-party ratings: Homesite ranked last in two recent J.D. Power studies. One study surveyed customers about their satisfaction with their home insurance. The other asked specifically about claims satisfaction.
- What Reddit users say about Homesite
Reddit is an online forum where users share their thoughts in “threads” on various topics, including financial subjects like home insurance. We used artificial intelligence to browse Reddit forums for posts about insurers, then manually sifted through the results and summed up consumer sentiment about each company. People post anonymously, so we cannot confirm their individual experiences or circumstances.
The Reddit comments about Homesite are largely negative. Some users complain about poor claims handling, including unresponsive adjusters and inadequate payments. Others report having their policies dropped due to maintenance issues (particularly older roofs), even after they addressed the problems. However, we did see a small number of comments from satisfied policyholders, generally those who hadn’t had to file any claims.
How to file a claim with Homesite
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.
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 Homesite customer service
Phone: Call 800-466-3748.
Email: Reach out to customerservice@homesite.com.
Online tools
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.
Mobile app: Homesite doesn’t have a mobile app.
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
- Find the best homeowners insurance in your state
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
Who owns Homesite Insurance?
Who owns Homesite Insurance?
Homesite has been part of American Family Insurance since 2014.
Is Homesite home insurance good?
Is Homesite home insurance good?
Homesite is a solid home insurance company with customizable policies and various discounts. It earned 4 stars out of 5 from NerdWallet.
What other types of insurance does Homesite offer?
What other types of insurance does Homesite offer?
How can I get Homesite home insurance?
How can I get Homesite home insurance?
Homesite home insurance isn’t available just on the company’s website. Both GEICO and Progressive sell some Homesite homeowners insurance policies.
Can Homesite require me to get a new roof to keep my coverage?
Can Homesite require me to get a new roof to keep my coverage?
Yes. A homeowners insurance company can choose which properties it’s willing to cover, and houses with older roofs tend to pose a higher risk for potential claims. Many companies are using aerial imagery or home insurance inspections to check out their policyholders’ roofs. If they see evidence that your roof is old or in poor shape, they may drop your policy or require that you replace the roof in order to keep your coverage.
Why did Homesite raise my home insurance rates?
Why did Homesite raise my home insurance rates?
Unfortunately for consumers, Homesite isn’t the only company increasing premiums. Inflation has made it more expensive to repair or rebuild houses over the past few years, which means insurers are paying more in claims. Natural disasters like wildfires, hurricanes and severe storms have also cost insurers billions of dollars in claim payments. Now they’re passing those expenses on to policyholders. See how to lower your home insurance costs.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2024 U.S. Home Insurance Study. Accessed Sep 8, 2025.
- 2.J.D. Power. 2025 U.S. Property Claims Satisfaction Study. Accessed Sep 8, 2025.
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.
