Homesite Insurance

Homesite Insurance Reviews

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Overall Rating2.2 out of 5
See all 446 reviews & ratings

About Homesite Insurance Reviews

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Homesite works with its own customers and those referred from other companies, including Progressive. Homesite’s base plan is a good choice for homeowners seeking affordable coverage. Optional add-ons round out coverage for those needing more. Homesite has a strong financial strength rating from AM Best.

Pros & Cons


  • Financially secure
  • Helpful customer service
  • Affordable options


  • Base coverage lacking

Bottom Line

Homesite’s low premiums are a definite highlight. The most basic coverage could be better, but it serves some customers well, and the company's add-ons boost coverage.

Featured Reviews

Weston, MA

Claims - This was so efficiently handled by Amanda. ... I was amazed. This was the time when all the hurricanes hit. ... yet in her calm, intelligent and good humored way she was ...

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Larchmont, NY

I had a small electrical fire in my basement which created more damage than I would’ve expected. I called Homesite immediately after the firefighters had left, and the rep’s first...

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What is Homesite Insurance?

Homesite Insurance sells home insurance policies to customers across the United States. Homeowners who purchase a home insurance plan through Homesite are covered in case of specific damages to possessions or a home’s physical structure. Homesite’s insurance tends to cost less than other companies’ policies, but the base plan doesn’t include as much coverage.

Homesite homeowners insurance cost

Most Homesite homeowners insurance plans range from $900 to $1,900 a year. Quotes differ based on the value of the policy, the location of the covered home and the amount of coverage.

Homesite's homeowners insurance is generally cheaper than its competitors’ policies. This makes it a good choice for those looking to protect their home without breaking the bank.

Homesite insurance premium examples

Policy valueAnnual premium

What does Homesite homeowners insurance cover?

One option with Homesite is to purchase the base package. This attracts customers who are obligated to have homeowners insurance and want an affordable option. The basic homeowners policy from Homesite covers:

  • Dwelling coverage: This covers damage to the physical structure of a home from covered events, including windstorms or hail.
  • Personal property coverage: This covers your belongings inside and outside your home, including appliances, furniture, clothing and electronics. If they are damaged, destroyed or stolen, Homesite covers them.
  • Loss of use coverage: If your home must undergo repairs and it becomes uninhabitable, this coverage pays for hotel rooms, restaurant meals and alternative transportation.
  • Personal liability coverage: If someone injured on your property files a lawsuit against you, this covers legal fees.
  • Medical payments for guests: If a guest is injured on the property, this coverage pays for medical bills.

Homesite has optional add-ons, also known as policy riders or endorsements. Add-ons increase the price of premiums, but they also increase your coverage.

  • Identity theft: If your identity is stolen, this coverage pays for relevant legal fees.
  • Valuables: Additional coverage exists for high-worth valuables, such as expensive jewelry and art.
  • Personal injury protection: This pays for legal fees associated with invasion of privacy, libel and slander.
  • Service line breakdown coverage: This coverage is often necessary for customers who own a service line.
  • Sump pump overflow coverage: Homesite covers repairs needed after a sump pump overflows.

Homesite homeowners insurance discounts

Homesite offers discounts that lower premiums, including:

  • Home alarm discount: Homes with a smoke or fire detector or a home security system qualify for a reduction in premiums.
  • Age-related discount: Customers who are older than 55 and living on a fixed income pay less for policies.
  • Home age discount: Newer homes are eligible for a discount.
  • Bundled insurance: Bundle auto and home insurance with Homesite for reduced premiums.

Homesite homeowners insurance FAQ

Is Homesite Insurance part of Geico?

No, but GEICO and several companies offer homeowners insurance through Homesite.

Does Homesite offer other insurance options?

Yes, Homesite sells home, condo, renters, auto, life, commercial and flood insurance. Customers with more than one insurance plan from Homesite bundle them for a discount.

How do I file a claim with Homesite?

To file a claim, call Homesite directly or fill out its online claim form.

Does Homesite choose the contractor for repairs?

No, customers choose the contractor, although Homesite sometimes makes recommendations.

Is Homesite Insurance good?

Overall, Homesite is a good choice for homeowners insurance. Its base plan is affordable, though it lacks some basic coverage that most other home insurance companies include. Customers unhappy with this can enroll in the necessary add-ons. Although reviews vary, many note that customer service is friendly and helpful.

Homesite Insurance Reviews

ConsumerAffairs has collected 446 reviews and 1,310 ratings.

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Page 1 Reviews 0 - 10
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Claims HandlingPriceStaff

Reviewed Sept. 11, 2023

Have been going through them for years paying $85 a month now after an increase of $5 from previous year $80 per month on a 95,000 home. Just found out they raised the price again. Are you ready for this? What would you say would be a fair price increase with no claims due to inflation and such? Well the good honest workers at Homesite Insurance saw it justifiable to raise my premium from $85 a month to $400 with no explanation other than inflation! Been living here for 20 years and NEVER seen anything like this. It is criminal what they are doing and those involved should be prosecuted. I will be talking with an attorney to see about a lawsuit as well. If this isn’t price gouging I don’t know what is! AVOID HOMESITE INSURANCE AT ALL COSTS!!!

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Customer ServiceCoverage

Reviewed Sept. 8, 2023

We signed up for Homesite insurance through Progressive. I didn't know they are not related at all at the time. We thought we were insured through Progressive when we signed up. Our premiums this year were extremely high so we called to see if we could reduce them. We were on the phone with Homesite for about an hour reviewing our policy and we were told our new premium rate which was not a lot less, but it was something that would help. I received an email reminding me our renewal was due in a week. When I looked at the amount due it had gone up considerably. I called to inquire why this occurred when we were quoted a lower rate during out last phone call. They claimed our changes which reduced the amount of coverage actually caused our policy premium to increase. They also claimed that we requested our coverage include higher end materials, which we never did.

They then claimed there was nothing they could do about it as the changes had gone into effect. But I could talk to Progressive to fix the policy. They then transferred me to Progressive who told me I had to talk to Homesite. I explained they said I had to talk to Progressive and they had no idea why as they have nothing to do with Homesite. And there is something we can do.... We can go elsewhere.

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    Reviewed Aug. 19, 2023

    Geico policy through Homesite, the home has been sold and closed on 8/18/2023. On 8/199/2023, Impossible for the children of deceased home owner to cancel the policy. Homesite actually requested a copy of the Will!!! The other documents they accept are court documents, it would cost us more to file for those than the refund on the few months left on the insurance will be so Homesite wins and gets to keep $279 of our money. Well, if anything happens to the home I guess the new owners and the old owners (us) would collect as we both have policies on the home. I have filed a complaint with BBB.

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    Punctuality & Speed

    Reviewed Aug. 14, 2023

    We have a Hemp company called we were accepted under their umbrella policy. Two months later cancelled for no reason. Pretty crappy company. What waste of time and money. Go elsewhere. Crap.

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    Customer ServiceClaims Handling

    Reviewed Aug. 2, 2023

    We reported the claim on June 21 in the evening. We did not hear back from anybody till almost July 7 and it is going to be August 3 tomorrow and I have not spoken to my claim adjuster one time because they say she is on medical leave and I have not spoken to her supervisor nor have I spoken to the supervisor's supervisor after numerous emails and phone calls and messages left. This company does not communicate properly and is not looking out for their clients best interest and getting them up and running as quickly as possible. I just wish somebody would contact me so that I can get back in my house and back to normal.

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    Whitney increased rating by 4 stars.
    Customer ServiceClaims HandlingPunctuality & SpeedStaff
    After a positive interaction with Homesite Insurance, Whitney increased their star rating on Aug. 3, 2023.

    Updated review: Aug. 3, 2023

    The company reached out to me and clarified they were giving me a year to respond to the items they wanted fixed. Still no resolution on the creepy guy as they contract with another company for some of their insurance pictures. I appreciated the quick response and resolution!!

    Original Review: Aug. 2, 2023

    I signed up with this company Aug '22 when we purchased our home. It is a fixer upper in that it does need some TLC. Friendly service over the phone, never had customer service issues. As you sign up they advise you that within 30 days someone will contact you to visit your home and take pictures of the roof etc. No one called, no one came. In May (9 mos later) some scruffy, creepy dude with sunglasses on, knocks on my door while I am home alone. I have pictures from my camera, he was un-kept. He is carrying a long stick in his hand. I don't answer the door because I am home alone. He proceeds to start walking around my house taking pictures of everything, even taking a picture up at the window (while I am standing in it). He seriously looked like he was casing the joint!

    When he got far enough away from the door that I felt safe to do so I opened it and asked what he was doing. He says my insurance company should have called. Nope, they didn't. He said he left a flier on the door, no info on it...he then tells me he isn't allowed to leave any info on the flier. He couldn't tell me the name of my insurance company either and again, no one called me to tell me some creepy dude was visiting me. No appointment made.

    Long story short, I call the ins company who tells me that I was made aware there would be someone coming when I signed up. They don't have to call because I was advised over the phone nine months ago. They couldn't tell me if this is what the guy was there for either. They were able to advise that they do contract with the company this man said he was from and they would look into it because my safety is important. They will call me back. No call back.

    Now, one week before renewal (three months from when the guy showed up and 11 months after they were supposed to send him) I receive a letter from Homesite saying there is a list of things they would like to see fixed before they can renew my policy. They gave me five days. Broken fence, broken step on the porch etc. I am sure I didn't get an unbiased review either after harassing the guy reporting back to them for taking pictures of my house without permission. I have been given no time to fix anything and now am being dropped. Unbelievable! I can't even imagine how they would handle an actual claim after being treated like this. I do NOT recommend!!!

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    Customer ServiceClaims HandlingCoverage

    Reviewed Aug. 1, 2023

    The Claim started June 22, 2023, this review is August 1. 2023. This is a residential sewer back up that a family of 7 encountered, can you imagine. So the claims adjuster a younger woman communicated a total of 3 times due to her being on sick leave, the communication was NOT the correct information for the claim. The recording says contact the supervisor when calls are NOT returned in 24 hours, called the Supervisor and her recording says she's in and out of meetings and not taking calls, What's NEXT THEN? Wow a field adjuster shows up 3 weeks after the claim and expressed his concerns, too a lot of pictures and within 25-35 minutes was gone. His assessment was RIDICULOUS after telling everyone he would submit this within 48 hours, 8 days later it made it.

    Now back to communication, next to NONE, the supervisor was finally reach by going through the switchboard not once was a call returned. A request was made to reassign the claim since the adjuster continued her sick leave for over 3 weeks, the supervisor outright said NO. The saga continues to have any communication to move beyond this claim for repairs, invoices submitted for over 2 weeks unresponsive. The supervisor of the adjusters supervisor has not responded as of 48 hours. I can provide more information how this company should not be licensed to provide coverage but this should give you enough information to realize this is NOT the insurance company you want.

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    Customer ServiceStaff

    Reviewed July 25, 2023

    We went into home closing with all the required from as with down payments. Today 36 days after closing we learned that the underwriter from Progressive/Homesite did not approve our mortgage. Gave roof and tree limbs touching house. Interesting they never contacted us by phone, email or our reality agent or closing attorney from the Homesite underwriter. Now we have a 5-day window to do repairs needed. One would think they would extend a little courtesy to customers especially when they have other policies with Progressive.

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    Customer ServiceStaff

    Reviewed July 19, 2023

    This complaint is related to an insurance claim. The date of the incident was 11/2022. Per the appraisal there was over $80k in damages not excluding depreciation costs. Homesite responded with a settlement of $12k which is nothing short of disrespectful. The damage was related to water. A total rehab of kitchen, hardwood flooring, basement walls and replacement of carpeting. The area requiring repair (not the entire home) is more than 2,300 sq and Homesite issues $12k. What are they thinking! An umpire appraiser was consulted and the figures were sent to Homesite.

    It is July 19, 2023. I still have not received payment to repair my home and on top of the that my family has been subjected to living in unsafe living conditions. With walls and floors exposed it has been unsafe for my family and contributes to more damage. At this rate I feel that this a personal attack and is causing more damage to my home and my mental state living in these conditions. The unexplained delays, lack of communication from Miriah, Jan and their team along with failure to provide reasonable resolution is inexcusable and disrespectful on every level. I am requesting the funds to complete the repair be released and if additional damage was caused due to the delay, additional funds will be granted. Homesite Insurance is the WORST!

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    Customer ServiceClaims Handling

    Reviewed July 3, 2023

    A horrific insurance company. I was the unfortunate victim of a robbery and then found the worst part was ahead of me. Homesite took over 50 days to launch an investigation and then asked for cell phone records, separate statements after a 90 minute recorded conversation where they asked why I used the storage unit, my credit history and online selling habits. Clearly, they have assumed I'm guilty and are using the investigation to formally deny my claim. They keep claiming if I do not comply with all of their demands it could result in being denied. However, the State Commissioner's Office for Insurance has assured me these demands are beyond what is considered reasonable and that I have rights - even if Homesite doesn't acknowledge them.

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    Homesite Insurance Company Information

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    Homesite Insurance