---
title: "Homesite Insurance Review [Updated 2026]"
description: "Homesite Insurance, a Boston-based company, has been offering direct-to-consumer policies since 1997 and primarily focuses on property insurance."
canonical: "https://www.coveragecat.com/reviews/homesite-insurance-review"
last-updated: "2026-08-13"
---

# Homesite Insurance Review [Updated 2026]

1. [Introduction to Homesite Insurance](#introduction)
2. [What Kinds of Insurance Does Homesite Offer?](#kindsofinsurance)
3. [Pros and Cons of Homesite Insurance](#proscons)
4. [Get Customer Support Or File A Claim For Homesite Insurance](#customersupport)
5. [Frequently Asked Questions](#faq)

### <a id="introduction"></a>Introduction to Homesite Insurance

Homesite is an insurance company based in Boston, MA. [It was founded in 1997, as one of the first companies to enable customers to purchase home insurance directly online](https://go.homesite.com/company). [In 2014, American Family Insurance Mutual Holding Co., acquired Homesite](https://www.insurancejournal.com/news/national/2013/09/06/304277.htm) to diversify their direct channel insurance products. Homesite operates through eight subsidiary companies across different states, including entities domiciled in Connecticut, Kansas, North Dakota, Illinois, New York, Georgia, California, and Texas [(Homesite Insurance, "Homesite's Terms and Conditions of Use", 2026)](https://www.homesite.com/OnlineServicing/TermsConditions.aspx). If you are interested in exploring Homesite for your insurance needs, go to the Homesite website, fill out the questionnaire, and wait for a quote or reply.

### <a id="kindsofinsurance"></a>What Kinds of Insurance Does Homesite Offer?

Homesite offers [homeowners insurance](https://go.homesite.com/home-insurance), [condo insurance](https://go.homesite.com/condo-insurance), [renters insurance](https://go.homesite.com/renters-insurance), [auto insurance](https://go.homesite.com/auto), [commercial insurance](https://go.homesite.com/commercial-insurance), and [flood insurance](https://go.homesite.com/flood). The company operates in all 50 states and Washington, D.C. through its parent company American Family Insurance Group [(AM Best, "Homesite Insurance Co of the Midwest - AM Best Rating", 2025)](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=22138).

In addition to standard coverages, Homesite offers [riders or endorsements](https://www.coveragecat.com/insurance-types/endorsements-and-riders) to help customers tailor their policies to their particular needs. These include: 

* Identity theft coverage up to $15,000
* Personal injury protection against libel, slander, and invasion of privacy
* Pet bites coverage
* Scheduled personal property protection for jewelry, furs, cameras, musical instruments, silverware, and fine arts
* Liability coverage while away from home
* Earthquake protection in eligible states
* Sewer backup and falling debris coverage [(Homesite Insurance, "Homeowners Insurance", 2026)](https://go.homesite.com/home-insurance)

### Does Homesite Sell Homeowners Insurance?

Yes, Homesite offers both traditional homeowners and condo insurance. These policies can pay for expensive repairs to your home's structure, or even total replacement in a covered event. These policies also provide coverage for your personal property, liability protections, and can even cover additional costs (hotels, food, transportation), if you need to evacuate your home during a disaster or to get repairs. Check out Coverage Cat's Guides to [Condo](https://www.coveragecat.com/insurance-types/condo-insurance) and [Homeowners Insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) to find out how to buy the best policies.

### Does Homesite Sell Auto Insurance?

Yes, Homesite offers auto insurance policies, but only in some states and as an affiliate of American Family Insurance. Starting a quote on Homesite's website will lead you to the American Family Insurance site to continue your quote. 

### Does Homesite Sell Liability Insurance?

Homesite offers liability protections through property insurance products (condo, homeowners, renters), commercial insurance as well as through auto insurance policies, but it does not sell excess liability or umbrella insurance. If you live in California, Florida, New York, Texas, or Washington, you can get [instant online umbrella quotes with Coverage Cat](https://app.coveragecat.com/umbrella). 

## <a id="proscons"></a>Pros and Cons of Homesite

<div class="grid">
  <div class="column">
    <p><b>Pros</b></p>
    <ul>
<li>
<a href="https://go.homesite.com/company">Homesite received a rating of "A (Excellent)" from A.M. Best, the third highest of 15 ratings, with a stable outlook as of September 2025.</a>
</li>
<li>
<a href="https://www.forbes.com/advisor/homeowners-insurance/homesite-homeowners-insurance-review/">According to Forbes, Homesite has a low level of complaints filed with state regulators compared to the industry average.</a>
</li>
<li>
<a href="https://go.homesite.com/wildfiredefense">Customers with homeowners policies in Arizona, California, Colorado, Nevada, Oregon, and Washington are eligible for Wildfire Defense Systems, a service that helps homeowners with wildfire mitigation and loss prevention services for no additional cost.</a> 
</li>
<li>
<a href="https://www.consumeraffairs.com/insurance/homesite.html">Homesite homeowners insurance plans typically range from $900 to $1,900 per year, which is generally cheaper than competitors' policies.</a>
</li>
</ul>
  </div>
  <div class="column">
    <p><b>Cons</b></p>
    <ul>
<li>Homesite does not offer an app for users to quote, manage their policies, or submit claims.</li>  
<li>
<a href="https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_CODE&COCODE=17221&:refresh">Homesite's NAIC Complaint Index for 2023 was 3.10, meaning the amount of complaints received in a year was 3 times as high as expected in the market.</a> 
</li>
<li>
<a href="https://www.bbb.org/us/ma/boston/profile/homeowners-insurance/homesite-group-incorporated-0021-24850/customer-reviews">Homesite's Better Business Bureau rating is low, with an average 1.15 star rating (out of 5) out of 96 customer reviews. Common complaints focus on customer service issues, including claim delays and difficulty canceling policies.</a> 
</li>

<li>
<a href="https://www.consumeraffairs.com/insurance/homesite.html">The base Homesite plan lacks some basic coverage that most other companies include as standard.</a>
</li>
</ul>
  </div>
</div>

### Homesite Insurance Rating Summary

The table below summarizes key Homesite insurance ratings from multiple sources:

| Rating Source | Score/Rating | Category | Details |
|--------------|--------------|----------|---------|
| A.M. Best | A (Excellent) | Financial Strength | Stable outlook as of September 2025 |
| NAIC Complaint Index | 3.10 | Customer Complaints | 3x higher than expected (2023) |
| BBB Customer Reviews | 1.15 out of 5 | Customer Satisfaction | Based on 96 reviews |
| MoneyGeek Overall | 4.18 out of 5 | Overall Performance | 10th out of 14 nationally |
| MoneyGeek Customer Experience | 3.33 out of 5 | Customer Experience | 14th out of 14 nationally |
| Forbes | Low complaint ratio | Regulatory Complaints | Below industry average |

### Homesite Insurance Pricing Comparison

Based on research from multiple sources, here is how Homesite's pricing compares:

| Coverage Type | Average Annual Cost | Market Position | Notes |
|--------------|---------------------|-----------------|-------|
| Homeowners | $900 - $1,900 | Below average | Generally cheaper than competitors |
| Homeowners ($250K dwelling) | $2,526 | Average to high | MoneyGeek national average |
| Monthly payment option | $205.58/month | Requires upfront payment | Three-month deposit required ($616) |

### <a id="customersupport"></a>Get Customer Support Or File A Claim For Homesite Insurance

You can contact Homesite for customer support by email or by phone.

**To contact customer service for most questions:** 

* Call 1-800-466-3748  
* Email [customerservice@homesite.com](mailto:customerservice@homesite.com) 

**For customers with business insurance:** 

* Call 1-877-515-2196   
* Email [commercialservice@homesite.com](mailto:commercialservice@homesite.com)

**How to File a Claim through Homesite**

To File a Claim Online: 

* [Visit Homesite's Claims page](https://go.homesite.com/file-claim)
* Pick your insurance product   
* Login or create your account to complete your claim request. 

To File a Claim by Phone: 

* Call 1-866-621-4823, and have your policy number ready.

Homesite uses both desk adjusters and field adjusters in the claims process. Desk adjusters serve as your main contact throughout the claim and make coverage determinations, while field adjusters may be dispatched to inspect your home depending on the type and extent of damage [(Homesite Insurance, "Claims FAQ Answers", 2026)](https://go.homesite.com/faq-answers). Policyholders can also hire public adjusters to represent them in the claims process.

### <a id="faq"></a>Frequently Asked Questions

### Should I Buy Homesite Insurance?

Homesite offers a range of insurance products, including auto, home, and commercial vehicle insurance, with coverage options for different customers. But deciding whether to buy a policy from Homesite depends on your insurance needs, their pricing, and your willingness to deal with the company directly, without an agent or broker to explain and interpret the policies for you. You should compare their offers, price, customer service reputation, and the convenience of their services with other providers. 

Homesite insurance reviews show mixed results. While the company maintains strong financial ratings from A.M. Best and offers competitive pricing, customer satisfaction metrics paint a different picture. The elevated NAIC Complaint Index (3.10 in 2023) and low BBB rating (1.15 out of 5) suggest that some customers face challenges with claims handling and customer service. Do you live in Washington, California, Texas, New York, or Florida? If so, [Coverage Cat](https://www.coveragecat.com/) can help you assess your insurance needs and determine the best policy for you.

### Is Homesite Insurance a Real Insurance Company?

Yes, Homesite Insurance is a real company, owned by American Family Insurance Mutual Holding Co. [(BBB, "Homesite Home Insurance Company - BBB Business Profile", 2026)](https://www.bbb.org/us/mo/saint-charles/profile/homeowners-insurance/homesite-home-insurance-0734-1000044814). It has been in business for 29 years, founded in 1997, and provides homeowners, renters, and condominium insurance nationwide. The company maintains an excellent financial strength rating and operates through multiple state-licensed subsidiary companies.

### How Does Homesite Insurance Make Money?

Like other insurance companies, Homesite charges customers a fee, known as a premium, for an insurance policy. Homesite aggregates these premiums, pays out claims from them, and invests part of them to earn additional income. According to AM Best, Homesite is part of American Family Insurance Group, which operates with favorable brand recognition and achieves geographic diversification by operating in all 50 states and Washington, D.C. [(AM Best, "Homesite Insurance Co of the Midwest - AM Best Rating", 2025)](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=22138).

### Does Homesite Insurance offer policies in California?

Homesite does offer insurance in California through Homesite Insurance Company of California, one of its eight subsidiary companies. However, Homesite may not cover every zip code or accept every property. To see if Homesite will cover your area and property, you will need to call or submit a quote request. A licensed insurance broker like Coverage Cat can also compare various insurance options including Homesite to make sure you're eligible for a quote. 

### Does Homesite Insurance offer Earthquake Coverage?

Most standard homeowners insurance policies, including Homesite, [do not provide coverage in an earthquake](https://go.homesite.com/blog/whats-not-covered-standard-homeowners-insurance-policy). In some states, you may be able to add earthquake coverage to your Homesite policy through an endorsement for an additional premium. In California, however, earthquake insurance is only available through a separate policy. In California, Earthquake Insurance can be purchased through the [California Earthquake Authority](https://www.earthquakeauthority.com/) or private companies such as Palomar Specialty Insurance and [Geovera](https://coveragecat.com/reviews/geovera-insurance-review). California Homesite customers cannot currently purchase California Earthquake Authority policies and should contact private insurers instead. To get multiple earthquake quotes online just use [Coverage Cat](https://www.coveragecat.com)! 

### What Discounts Does Homesite Offer?

* Age of home discounts
* Premises alarm and fire protection system discounts
* Bundling discounts when you combine multiple policies
* Claims-free history credits
* New home discounts

These discounts vary by state and property characteristics, so contact Homesite directly to see which discounts apply to your situation.

### Is Using Homesite Insurance Worth It?

Homesite insurance offers a variety of coverage and insurance options for homeowners, renters, and business owners. Their online quotes make them easy to use for some customers, but Homesite insurance complaints reveal that some policyholders find the company slow to respond to claims or customer service requests. Whether or not Homesite is good insurance for you depends on whether they are willing to provide coverage for your property, and how their coverage compares to other insurance carriers. 

When asking "is Homesite good insurance," consider both the financial strength (A.M. Best A rating) and the customer service challenges (high NAIC complaint index, low BBB ratings). The first step to figure out if Homesite is worth it for you is to compare your auto, home, and umbrella insurance quotes with a licensed insurance broker, such as [Coverage Cat](https://www.coveragecat.com/). We'll find you the best possible offers and make it easy to buy your best possible policy.

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