Homesite insurance review 2025
-
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our .
At a glance
Home
3.9
Cost & ratings
3.0
Coverage
5.0
Support
4.5
About Bankrate Score
Bankrate's take
Policyholders who value extensive homeowners endorsements and discounts over robust auto or life insurance policies might consider Homesite as their company of choice.
- Offers home, renters, flood, condo, auto, commercial and pet insurance policies
- Users can request quotes, purchase policies and file claims online
- Fully customizable insurance policies
- Home and renters insurance offers identity theft protection
Homesite car insurance review
Founded in 1997, Homesite was one of the first insurance companies to allow customers to buy property insurance online instantly. In 2014, American Family acquired Homesite, so Homesite’s policies are now underwritten by CONNECT, powered by American Family. This carrier could be a good choice for those looking to bundle policies since it offers multiple product lines, such as auto, life, commercial, homeowners, condo and flood insurance.
Homesite offers the standard car insurance coverage types you would expect like liability, comprehensive and collision. Although the company’s car insurance endorsement options are a bit sparse, you can choose to include rental reimbursement coverage and emergency road service. Homesite writes policies in every state and Washington, D.C.
Pros and cons of Homesite car insurance
Finding the best car insurance company can be challenging, but figuring out your priorities ahead of time by listing a carrier’s pros and cons can help you better evaluate an insurer on a holistic level.
Pros
- Rental reimbursement available
- Many car insurance discounts offered
- 12-month policies may be available, depending on your state
Cons
- No accident forgiveness
- Customer service is not 24/7
- No live chat
Homesite car insurance cost
Bankrate’s insurance editorial team keeps track of average premiums across the country via proprietary rate data sourced from Quadrant Information Services. According to our research, the national average cost of car insurance for a full coverage policy is $2,671 per year, with a minimum coverage policy averaging $806 per year. However, how much you pay for car insurance can vary based on several rating factors, including (but not limited to) your driving record, location, the type of vehicle you drive and, in some states, your credit history.
Rate data for Homesite is not available, so you will have to request a quote online or reach out to a licensed agent to find out how much you might pay for Homesite car insurance.
Homesite customer satisfaction
For some, customer service is as important as cheap rates. We typically look at various third-party scoring metrics to evaluate a company’s customer satisfaction and financial strength. Many Homesite insurance products are not rated by J.D. Power for customer satisfaction, but the company did earn 542/1,000 in the 2025 J.D. Power U.S. Insurance Digital Experience Study in the shopping category. In addition, AM Best rated it an A (Excellent) for financial strength. However, Homesite may have several underwriting companies, and these companies’ performance may vary depending on the type of insurance and location.
Homesite auto claims satisfaction
Homesite car insurance is underwritten by CONNECT. While Homesite itself was not included in the 2025 J.D. Power U.S. Auto Insurance Study, CONNECT was included in the California region, where it earned second place with a score of 672. CONNECT was not included in the 2024 U.S. Auto Claims Satisfaction Study from J.D. Power.
Homesite auto insurance customer complaints
The National Association of Insurance Commissioners (NAIC) tracks customer complaints against insurance companies and uses them to calculate complaint indexes for each carrier based on market share. An average (or baseline) number of customer complaints equals a complaint index score of 1.00. A score higher than 1.00 indicates more complaints than average and a score lower than 1.00 indicates fewer complaints.
For complaints filed against Homesite's auto insurance product, we analyzed the index for its underwriter, CONNECT. Since 2022, CONNECT has experienced a higher-than-average volume of claims on its private passenger policies.
Homesite car insurance discounts
If you are searching for the cheapest car insurance company, Homesite offers a long list of discount opportunities that might help you save. Discounts could have additional eligibility and availability restrictions, so for more information, reach out to a Homesite agent. Potential offerings include:
- Garage discount: If you park your vehicle in a garage instead of on the street, you could earn a discount.
- Affiliation discount: You might save on your car insurance if you are a member of an alumni association or other group affiliated with Homesite.
- Early renewal discount: If you renew your policy before a certain date, you may qualify for this discount. You may want to check with your insurance agent for details.
- Electronic payments discount: Paying your car insurance bill electronically rather than through regular mail could net you some savings on your premium.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Homesite home insurance review
Policyholders looking for robust home insurance coverage may find Homesite especially appealing. Compared to its auto insurance, Homesite has many coverage add-ons available that allow homeowners to personalize their policies.
In addition to standard home insurance coverage types like dwelling and personal property, you can add endorsements such as extended replacement cost. This option can provide 25 to 50 percent of extra dwelling coverage should the amount needed to replace your home exceed your dwelling limit. Some of the other endorsement options Homesite offers include water backup coverage, identity theft protection and an earthquake endorsement.
Pros and cons of Homesite home insurance
When comparing home insurance quotes, it can be easy to lose track of what benefits each carrier provides. To simplify the process, you may find it helpful to make a list of pros and cons.
Pros
- Plentiful homeowners endorsement options may make for a robust policy
- Online customer portal allows for policy management
- Multiple homeowners insurance discounts offered
Cons
- Some states (such as Florida) are not eligible for online quotes
- No mobile app available
- Ranked last in the J.D. Power 2024 U.S. Home Insurance Study
Homesite home insurance cost
According to Bankrate’s extensive research, the national average cost of home insurance for $300,000 in dwelling coverage is $2,408 per year. However, what you pay for your home insurance could vary significantly from this number. Insurance carriers use a wide range of variables to help them determine risk levels and the corresponding rates that they will charge. The age and condition of your home, the materials and construction processes involved, your ZIP code, claims history and more can all contribute to establishing your final premium.
Homesite average home insurance premiums are unavailable. For more information, please contact the company directly.
Homesite customer satisfaction
Third-party ratings like those from J.D. Power, AM Best and the NAIC can provide valuable insight into an insurer’s customer satisfaction. J.D. Power evaluates customer satisfaction across various dimensions, AM Best assesses financial strength indicating the insurer's ability to pay claims and NAIC offers a complaint index reflecting the volume of complaints relative to the company's size. These metrics combined can offer a comprehensive view of Homesite's performance in areas important to policyholders.
Homesite homeowners claims satisfaction
Homesite ranked last in the 2024 J.D. Power U.S. Home Insurance Study, with a score of 563. The company also ranked last in the 2025 J.D. Power U.S. Property Claims Satisfaction Study, with a score of 592. This data shows that homeowners who prioritize customer service may want to do further research before making their decision to switch.
Homesite home insurance customer complaints
The National Insurance Commissioner Association (NAIC) tracks customer complaints against companies. The organization uses an index of 1 to represent the industry average. A company scoring under that receives fewer complaints than average for a company of its size. In contrast, a company scoring over 1 receives more than the average number of complaints for its size. Homesite has multiple operating companies and thus multiple NAIC codes for the Complaint Index. If you want to see how well the Homesite insurer in your region compares to other insurers in terms of complaints filed, visit the NAIC website and look up the corresponding Homesite insurer in your area.
Homesite home insurance discounts
For those looking for the cheapest home insurance, Homesite offers several discount opportunities. Homeowners insurance discounts vary by state, so it may be a good idea to request a quote or speak with an agent if you have specific questions about eligibility requirements. Some of the standout discounts that may apply to Homesite home insurance policies include:
- Moving in discount: If you switch your Homesite renters or condo insurance to a Homesite home policy, you could earn a discount.
- Welcome home discount: Homesite may reward you for your new home purchase by offering you a discount.
- Retired occupant discount: Retirees could save on their homeowners insurance with this discount.
- Better together discount: Homesite offers two endorsement packages that could save you money, rather than purchasing each endorsement a la carte.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Homesite
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Homesite life insurance review
Homesite offers simple life insurance policies, so this coverage may be best for those looking for no-frills life insurance coverage or for people who already have a policy with Homesite and prefer to bundle their policies with the same insurance provider. There are three types of policies available with Homesite life insurance, including simplified term life, children’s whole life and senior whole life insurance.
Although Homesite only offers three types of life insurance, it may provide some options to allow for policy customization. For instance, there are four term limits you can choose from for the company’s simplified term policy: 10-year, 15-year, 20-year and 30-year terms. Additionally, Homesite offers a guaranteed purchase option on its children’s whole life insurance policy, which allows the purchase of additional coverage at certain milestones, regardless of the policyholder’s health.
Pros and cons of Homesite life insurance
Life insurance policies can be complicated, but comparing your potential carriers can help you find your best policy. Homesite’s life insurance offerings have several advantages, but there are also some potential drawbacks to consider.
Pros
- Lower-than-average amount of customer complaints with the NAIC
- No medical exam required for term life insurance
- Underwritten by American Family Life Insurance Company
Cons
- Rider information is not provided online
- Whole life policies are only available for children and seniors
- Maximum death benefit for senior whole life is capped at $15,000
Homesite life insurance riders
Although endorsements may increase the cost of your life insurance policy, they can help you personalize coverage to fit your individual needs. However, Homesite doesn’t list its life insurance rider options on its website, so you’ll want to contact an agent for a life insurance quote if you have questions.
Compare life insurance providers quickly and easily
See which provider is right for you.
Whole life insurance combines life insurance with an investment component.
- Coverage for life
- Tax-deferred savings benefit if premiums are paid
- 3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
- Fixed premium over term
- No savings benefits
- Outliving policy or policy cancellation results in no money back
Powered by HomeInsurance.com (NPN: 8781838)
This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Homesite with other insurers
Although our aim is to provide comprehensive Homesite insurance reviews, you may still wonder if this is the right company for you. While you’re shopping around, you may want to consider looking into the following comparable providers.
|
Featured
Homesite
3.9
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 3.0Coverage 5.0Support 4.5 |
State Farm
4.4
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 4.5Coverage 4.2Support 4.6 |
USAA
4.5
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 4.8Coverage 4.2Support 4.6 |
|---|---|---|
|
OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
|
||
|
Policyholders who value customizable home policies and plentiful discounts over robust auto or life insurance policies might consider Homesite as their company of choice.
Read More
|
Policyholders who value a personalized experience through a local agent, bundling insurance policies with the same company and highly rated customer service might consider State Farm as their company of choice.
Read More
|
Active military and veteran policyholders who value customer service, robust policy options and military-focused coverage over in-person support through local agents might consider USAA as their company of choice.
Read More
|
|
STANDOUT FEATURES
These features are some of the carrier’s most impressive
|
||
|
Online policy management
Many insurance discounts offered
No medical exam required
|
Numerous discounts offered
Sells other kinds of insurance
Banking and investment products
|
Military on-base discount
SafePilot telematics program
MyUSAA Legacy discount
|
|
AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
|
||
| No rates available | $2,676 |
$2,059 |
|
J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
|
||
| Not Scored | 710/1000 |
726/1000 |
|
AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
|
||
| $1,721 | $2,186 |
$1,248 |
|
J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
|
||
| 592/1000 | 661/1000 |
746/1000 |
|
AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
|
||
| Not Scored |
A++(Superior) |
A++(Superior) |
The Bankrate Promise
Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Homesite a good insurance company?
Insurance is a personalized product. Everyone needs something different from their provider, so whether Homesite is a good company depends on your needs. If you are looking for a homeowners insurance company that offers robust coverage and discount options, then Homesite could be a good choice. On the other hand, those who want lots of life insurance options or prioritize top-notch customer service may find a better fit elsewhere. To settle on a decision of whether Homesite is a good company for you, consider speaking with an agent or requesting a quote.
What are real-life customers saying about Homesite?
To gather insights into Homesite's insurance services, we explored real customer feedback from Reddit and Trustpilot. These platforms allow users to share their personal experiences as Homesite customers, covering aspects from policy management to claims processing. Such firsthand accounts can be invaluable for understanding the real-world implications of choosing Homesite as your insurer, offering a spectrum of perspectives on their customer service, efficiency and overall satisfaction levels.
Reddit users have expressed dissatisfaction with Homesite, particularly criticizing the company's customer and claim services. Complaints include issues with responsiveness and efficiency, especially when handling claims related to property damage. These shared experiences suggest potential challenges in dealing with Homesite's claim process and customer support. However, some people report no problems with the company.
Reddit user review
Trustpilot
Trustpilot’s Homesite insurance reviews highlight significant dissatisfaction among some policyholders. Users express frustration over unexplained and substantial premium increases, feeling misled and financially strained. There are also complaints about claim denials for damage deemed cosmetic, conflicting with policyholders' expectations based on their policy terms, leading to prolonged disputes.
Trustpilot
Homesite company details
- Customer service: 1-800-466-3748
- Claims: 1-866-621-4823
- Website: go.homesite.com
- Email: customerservice@homesite.com
- Payment mailing address: Homesite Insurance, P.O. Box 414356, Boston, MA 02241-4356
State availability
Homesite has underwriting companies in all 50 states and Washington, D.C., but not all policy types are available in all states.
Homesite tools and benefits
If you’re on the fence about Homesite insurance, the following perks may sway your decision.
- Condo insurance: Even if your condo association offers insurance, you are likely responsible for damage inside your unit and damage to your personal belongings. This is where condo insurance may step in.
- Renters insurance: Renters may be interested in this policy, as it provides financial protection for your personal belongings and liability.
- Commercial insurance: Owning a business comes with unique exposures that require commercial insurance. Homesite offers general liability, business owner’s policies and workers’ compensation policies in its suite of commercial products.
- Flood insurance: A standard homeowners policy does not typically cover floods. Homesite can help provide financial protection for this devastating natural disaster through the National Flood Insurance Program (NFIP).
Frequently asked questions about Homesite
Methodology
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Homesite
Homesite has 50 reviews
Dive into community reviews below and see what others think about Homesite.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, asking policyholders to rate their insurer's cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders' policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Policyholder Reviews
