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Experian Homeowners Insurance Review

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Founded in 1996, Experian is best known for being one of the three major credit reporting agencies in the US and the UK. The company also acts as an agent for multiple insurance companies and, through its online marketplace, helps consumers find the best homeowners insurance policies for their needs. Experian is headquartered in Costa Mesa, California.
 
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How is Experian Home rated?

Breakdown

Overall Rating: 0 / 5 (N/A)

Founded nearly 30 years ago, Experian is a data analysis company that's best known for being one of the three go-to credit monitoring services for businesses. If you've ever bought anything on credit, chances are you have an Experian credit profile and credit score.

Now the company has brought its data analysis prowess to another industry: insurance. Experian recently launched a website that consumers can use to shop for homeowners and auto insurance. The company works as an agent for over 40 major insurance companies, including Nationwide, Progressive, and Travelers and operates an online marketplace that allows consumers to search for their best deal on home insurance. The service is free to use for consumers.

Financial Strength

Financial Strength - 0 / 5

Since Experian functions as an insurance agent and doesn't underwrite homeowners insurance policies itself. the company is not rated by AM Best, the most widely used rating organization in the insurance industry. However, Experian's insurance company partners are rated by AM Best. Before selecting a policy, it's wise to research ratings on any company you're considering. Experian works with very large insurance companies that are, themselves, highly rated with AM Best.
Experian is rated by other organizations for financial strength, including Moody's and Standard & Poors, which both view the company as a financially stable entity, though its credit ratings are not the very highest. But that shouldn't be of tremendous concern to consumers purchasing homeowners insurance, since Experian is not responsible for paying claims.
Standard & Poor's Financial Rating
A-
Moody's Financial Rating
Baa1

Customer Experience

Customer Service - 0 / 5

Experian offers homeowners the opportunity to get a free estimate of insurance quotes on its website. The process isn't perfect: consumers are initially directed to an auto insurance page and you have to be careful to switch to homeowners insurance to get your quote. We had a little trouble with that. But live chat is available on the site and the representative we spoke with was able to direct us to where we needed to be to get a quote on home insurance.

We used a hypothetical address and the Experian algorithm investigated options with three major insurance companies. But it only delivered one quote. So you can't actually compare quotes yourself. Experian does that for you behind the scenes to find the best coverage for the lowest price.

Customer Ratings

Trust Pilot Rating
3.8 out of 5
BBB Rating
A
Date Collected
2023-06-20

Experian Home Coverage

Coverage Options - 0 / 5

Once again, Experian doesn't offer coverage directly. But the insurers that Experian partners with offer the standard range of coverages, including liability, dwelling, personal property, and other structure protection (e.g. garages.)

Less common, optional types of protection may be available through some insurers Experian works with. Contact Experian customer service directly to ask about other available optional coverage.

Pricing & Discounts

Pricing and Discounts - 0 / 5

Experian's home insurance marketplace compares policies from multiple insurance companies to find you the most cost-effective policy for your home. Prices and available coverage will vary from one provider to the next. Your costs will also be determined by your home's age, location, construction type, your claims history, and more.

Contact & Additional Information

Homepage URL
https://www.experian.com/lp/home-insurance.html
Company Phone
(714) 830-7000
Headquarters Address
475 Anton Blvd., Costa Mesa, CA, 92626
Year Founded
1996

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Wide Selection Of Home Insurance Discounts - Online Quotes In Minutes!

  • Covers common occurrences like fire or theft and accidents
  • Protect your valuable items (electronics and jewelry) 
  • A wide range of excellent coverage options
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