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Homesite Home Insurance Review

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Homesite is a homeowners insurance company that was acquired in 2013 by American Family Insurance. It was one of the first companies to market homeowners insurance through the internet. Although it maintains its own website, most of its operations have been subsumed by its parent company.

How is Homesite rated?

Breakdown

4.9/5
Coverage Options
4.8/5
Pricing and Discounts
4.6/5
Customer Service
4.5/5
Financial Strength
4.8/5
Add-On Coverages

Overall Rating: 4.7 / 5 (Excellent)

Homesite Insurance was acquired in 2013 by American Family Insurance. Homesite maintains its own website and has its own subsidiaries in California and Wisconsin, but it appears that a majority of its functions have been subsumed by American Family.

Financial Strength

Financial Strength - 4.5 / 5

Since Homesite Insurance was acquired by American Family Insurance Group, the company's financial strength is interpreted here as being the same as American Family's. American Family operates as a mutual insurance company, which is to say that it is owned by its policyholders. The company is highly rated by AM Best.
Underwriter
American Family Insurance Group
Marketshare
1.28%
Premiums Written
$7
AM Best Financial Rating
A+
*The above information reflects the financial strength of the underwriter of the Homesite home insurance policies: American Family Insurance Group.

Customer Experience

Customer Service - 4.6 / 5

Though Homesite claims to have been one of the first insurance companies to do business over the internet, its web interface is rather bare-bones compared to many of its competitors. It does not appear that the company has an agent network independent of American Family's. Homesite is still listed by the BBB as a going concern and, like most insurance companies, has substantially more negative ratings than positive ones.

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
1
Number of BBB Neutral Reviews
1
Number of BBB Negative Reviews
40

Homesite Coverage

Coverage Options - 4.9 / 5

Homesite/American Family offers all of the standard homeowners insurance coverages. Like some of its competitors, it also now offers coverage for identity theft. Unlike most of its competitors, it also offers coverage for water back-ups.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Coverage
Water Backup Coverage
Scheduled Personal Property Coverage

Pricing & Discounts

Pricing and Discounts - 4.8 / 5

Pricing for Homesite/American Family home insurance is on par with the rest of the industry. However, the company offers a very broad array of discounts - including as discount for the children of American Family customers - that may make premiums lower than those of the competition.

Household Discounts

  • New Home
  • Remodeled Home
  • Home Safety Features

Policy Discounts

  • New Policy
  • Multi-Policy
  • Customer Loyalty
  • Higher Deductible
  • Automatic Payment
  • Online Billing

Contact & Additional Information

Homepage URL
Company Phone
(800) 466-3748
Headquarters Address
One Federal Street, Boston, MA, 02110
Mailing Address
P.O. Box 5300, Binghampton, NY, 13902
Year Founded
1997

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Customer Comments & Reviews

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G
Gina
1/13/2021
This is the worst Insurance company out there! They do not pay what they owe on claims and took them 3 days to respond to a sewer flood in our home. We reached out to Homesite as well as Progressive because Progressive contracts their Homeowners policies out to Homesite and received no assistance. We had no choice but to file a complaint with the AZ Department of Insurance and obtain legal representation. Horrible company-I would not recommend anyone obtaining a home owners policy through Homesite /Progressive. If I could give a negative star I would


M
Martin M
8/2/2020
I am baffled as to the 50% increase in my homeowners policy. From $600 to $900. That is unacceptable I will be shopping for a new policy with another less greedy insurance Co. Disappointed Las Vegas


qlawman
8/13/2019
This review doesn't match the many customer reviews I've seen online, and it doesn't match my experience with the company in 2011. I had to threaten to sue them (and I was speaking directly to the president/ceo when I did so) to get them to fix my roof when a tree came down on it in a nasty wind storm. I was mostly checking to see if they'd gotten better, but based on the recent customer-reported reviews I've read from 2019, the answer is a definitive "no." As for this website, you guys need to research them again.


Michael B
6/13/2019
Homesite Insurance Company raised my rate from 453.00 to 765.00 (a 65% increase) for next year July 1, 2019-July 1, 2020. There was no apparent reason for this increase other than greed. I have had no claims with them and have had them for several years. Prior to this past outrageous increase they had been raising me an average of 50.00 per year. This increase was by far the most extreme. When I phoned them as to why they could not give me any logical explanation. I warn other to stay away from this greedy company. Michael B.


Boris W
2/6/2019
I contacted Homesite to verify my centralized alarm discount to see if I should drop the centralized monitoring. They said I had no such discount. I alerted them that I did indeed have the service and since 2014 when I signed up with Progressive/Homesite. They verified that and said you had it and in 2016 we dropped it because you didn’t send in a certificate of centralized monitoring. I informed that that I’d never been contacted about that requirement nor was it mentioned in my yearly reviews with them - in 2015 it was renewed without that requirement and that I will send them that certificate plus paid invoices for centralized alarm so they can retroactively apply that. They... Read More



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  • Covers common occurrences like fire or theft and accidents
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  • A wide range of excellent coverage options