Homesite Insurance Reviews

The information in this report was incorrect: No trees overhang the dwelling; the house roof is fine; the garage, outbuilding, roof needs repair which I was aware of and had told the company this when I applied. Homesite declined my request to clarify this, kept my down payment, and offered no recourse. The agent Gwen said I could reapply after the cancellation and have another inspection, only if I sent them evidence that the corrections were made. She did not acknowledge that the information was wrong in the first place. I feel this company took my money in good faith and ripped me off. I have done some research online and have read many reports of complaints from people who have had this same type of experience with Homesite. This must be illegal! What a scam.

Financial hardship due to loss of down payment. Misinformation that is now available to other insurance companies I may apply to for coverage. Increased difficulty finding insurance coverage.

5/16/11 Called at 12:43. Spoke with Toni, explained situation and asked to speak to supervisor. Was transferred to supervisor and left voice mail. (Call not returned)

5/16/11 Called at 1:40. Spoke with Rebecca, explained situation again and asked to speak with supervisor and was transferred to a female who introduced herself as Michael. Explained situation and was told that Yvonne ** would call me in about 15 minutes.

5/16/11 Called by Yvonne at 2:23 and made initial claim. I completely felt like she was not interested in helping me and was only going through the motions. She even stated that I needed to get this done quickly since my policy stated the claim should be handled in 180 days and we were past that. I tried to contact Homesite 3 times prior to this with no return calls or emails so feel that this was rude and spiteful since I wasn't the one not returning calls. She said, "Sorry that I wasn't called back after my call on the 3rd that someone else usually returned her calls and must not have gotten to me." Yvonne called me back at 2:50 and told me I was also required to get a police report.

5/17/11 Called customer service and spoke with Angel about my frustrations on how I was being treated. He gave me the hours and phone number for my branch office. I told him that I would not be able to call until the 19th due to my work schedule.

I work as a contractor for the local electric company and as part of the responsibilities for my position, I am to take pictures of appliances around people's homes, when we do consultations with homeowners. I then need to put together paperwork, submit the paperwork to my management,and they send us emails from time to time that I need to print and take with my on client appointments. My briefcase was stolen out of my car which contained over $4,000 worth of items that I use for my work.

I have repeatedly been calling and emailing the claims agent for status updates, and letting Homesite Insurance know that this is important as my job is wanting to know what happened to the items that I was using for my work, however this insurance company is less than stellar at following up on the claim.

I have called and called and called, and all i get is this woman's voice mail. I have left numerous emails, and phone calls in regards to getting status update on whats going on. This process is taking forever and I need to get reimbursed for my work items so that I can effectively do my job.

At this point I am having major second thoughts and contemplating cancelling my insurance with them. I wish I had never gotten any kind of insurance from Homesite. Not only have they, time and time again, ignored my emails and phone calls, but I've never had such a difficult time working with any company, much less an insurance company.

I am at a major loss at this point. I have lost over $4,000 worth of items that were stolen from my car. At least $2500 worth of work-necessary equipment, plus $1,000 of electronics.

The date came and went and no response. It turns out that she was on a vacation. I can never get a hold of her directly. I have had to leave numerous messages on her voicemail (which has a promise of returning calls within 24 hours). No apologies for missing the date. I explained to her that this was poor customer service and she retorted that she is a Claims Agent, not customer service. No kidding! We had to call a company hotline to get a call back finally. They did finally and send the claims evaluation list and had several items wrong.

When your glasses are stolen, for example, you need both the lenses and frames replaced. Yvonne didn't seem to get this (oh yeah, wanted the original receipts from the Eye insurance company, too!). Now, we have sent back replacement receipts, and Yvonne says she has 60 days to respond and will review, personally, every receipt by calling each store to make sure we bought the item. Feel like we have been victimized twice!

On October 8th, 2010, our barn style storage building was broken into and about $4000.00 worth of items were stolen including 1. Generator 2. pressure washer 3. Dewalt 4pc tool set. The "value" of the generator on the market today is about $3000 new, the pressure washer market value new is about $1200.00 and the Dewalt Tool set is about $500-$600 new.

I filed a police report and filed a claim with the insurance company. The policy I have is RC - Replacement Cost. At first, upon giving the report over the phone to the claims agent, she stated I needed to send in original receipts. She stated, they would not accept photos (being that anyone can get photos of the web), they would not accept box and/or original manuals, again, being that one can purchase them off the web. She stated they could only accept original receipts. I informed her that I did not have original receipts being that the items were purchased at a yard sale and at the flea market to which I wasn't supplied a receipt.

She asked if I could provide a bank statement around that time showing large amounts of money taken out of my account. I did send her those, as well, I still sent photos of the items I had on my property. (sort of hard to get a photo off the web of an item with my car and shed in the background). I never heard back from her stating that information was not acceptable. For weeks, they dragged their feet, never returned phone calls, never returned emails. Finally, 2 weeks ago, I emailed her once more, and I received an out of office reply stating she would be gone from the office for a week.

I called her supervisor, he informed me the claim would be re-assigned to another lady and she would call me to follow up. I sent the new claims agent several emails and phone calls. Out of about 6 emails and 3 phone calls, she finally emailed me stating that she was looking into the claim. Never heard back from her. Last Monday (November 8), I called the original claims adjuster since she should be back in her office. I spoke with her on the phone, she explained she was still over the claim and was playing catch up from being on vacation for a week.

She stated that the "valuation" for the items had been completed and she would send me an email with the break down. That was a week ago.Today, I called her once again this a.m. didn't get an answer on her phone, so I called her supervisor once again, now he is on a weeks vacation and is out of the office. I sent the claims adjuster an email informing her I was not at all happy with the lack of attention given to my claim and if I didn't get a response today, I would seek legal counsel.

She send me a follow up email with the spreadsheet showing me the breakdown on the claim. This is where it really ( excuse the language please) ** me off! Talk about low balling? Keep in mind, if these items were replaced, collectively, the cheapest I could find them around my area "new" was a combined $3800.00. The insurance company is sending me a settlement check for a little over $700 after the $500 deductible was taken out, as well as 10% depreciation of the items. Their "valuation" department is showing the $3000.00 generator at $500 to replace, around $2-300 for the $1200 pressure washer, and a couple hundred for the $5-$600 Dewalt 4pc 18 volt tool set.

The valuation form has links to websites showing "like" items for sell on various website that can be ordered, not local places. Dewalt is a name brand, very reliable tools. They show a link to a craftsman small electric screwdriver, a link to a cheap "Ryobi" drill, a knock off no name brand circular drill. The tool set also had a nice utility light. The sent me to a link in the valuation form to a $9 aluminum clamp lamp, not to mention, the Dewalt Tool set I had was all 18 volt, the links take you to items that are "14 volt".( sub standard to say the least). I sent her an email informing her I would not accept the check when it arrives as a settlement, rather, I would be sending it back to them and go to court if I have to.

She called back and stated that, "The replacement cost will only pay what I actually paid for the items when I purchased them, not what it would cost to replace new etc." This doesn't make since being that a lot of people have items that have been given to them, and not purchased by themselves. If I have items in my home that have been given to me, just because I did not pay for them, does that mean there not insurable? Doesn't make sense. So, to say they will only pay what I paid for them is crazy. What if those items had been given to me? No where in the policy does it state this as well. She stated that there is still $139.00 of mine they are keeping, once I purchase the items with the $700 check they are sending, and send them receipts, they will send me the rest of the money.

The whole thing stinks to me and is totally unfair to tell me that my belongings are worth about $1200 total when in fact, they are worth about $3600.00 or more, unfair. Not to mention, in the form I sent them when I filed the claim, I had to write down the estimated value of the items, I was told then to enter what "I paid" for them, not what they are "worth" sounds tricky! I informed them as far as the generator, I purchased it at a flea market a couple years ago and do not recall exactly what I paid, maybe a little over $500. In the official police report, it had it listed at $700 which is what I told the officer. I thought I had paid. I have since contacted a couple of Attorneys who say this is a clear case of "Bad Faith" on the insurance companies part. However, "most" law firms will not touch it unless they are to sue for many thousands of dollars!

This was on 9/14/10. I discovered later, from my mortgage company, that they were billed for a new insurance policy from Homesite and had paid it ($486.00), as well as having paid for my current policy carrier. I was furious. The $486.00 was billed to them on 9/17/10 and I had not called Melissa to authorize any new policy, nor had she been back in touch with me. The $486.00 was also $49.00 more than I was quoted on the quote # ** I still have in my possession. In the meantime, my escrow account is double charged. And I am in the process of going with a new carrier, who now needs to charge my real new premium against my escrow account.

This mistake has cost my escrow to be overbilled by over $1,000 and now I'm left to clean up the mess. I understand I am being issued a "refund" check for the $486.00. However, this should never have happened! I never gave the okay for this policy to be issued. I never signed any paperwork in person, via fax, or electronic signature authorizing these people to issue that policy. This is fraud - plain and simple. And the fact that I now have to deal with the escrow issue simply infuriates me. Why, as a responsible, single, 58 year old woman should I have to deal with such irresponsible and unprofessional (illegal) behavior when I'm trying to cut costs and keep my expenses to a minimum?

I am a single mom, on psycho medications that can make me cloudy and I guess I did not tell her where I got my digital camera on a sale. The lady I got it from gave me an envelope with receipt. Well, I guess the receipt was not legit – I did not know! I would not have sent it to her if I had, so they are canceling my entire claim even though she checked out my other items and they were legit, with receipts, etcetera. It was an error but not fraud and I need this money to replace my possessions! Do not use Homesite! She was rude and does not care about customers but only about saving this shark of business money from honest people paying and then refusing claims.

I have escrow with USDARHS. My yearly rate with Farmers was $972. What I did not know was Progressive was not my insurance company but Homesite was. What I found out today 6/18/10, Homesite has been my insurance company 7/08-1/10 and the price was not in fact comparable to Farmers at all, it went from $972 to $2,084 in 2008 and increased to $2,740 in 2009. I was not informed of this drastic increase until 1/10, when my mortgage payments went from $494 a month to $868 a month. Upon inquiry and nearly 6 months later, I finally got a response from the escrow department with USDARHS. It seems that they did and audit on my account and due to the large increase in insurance this is my new payment for the next 36 months.

What was done to me is criminal but I guess I learned a lesson the hard way. Pay better attention. How could I? I addressed it as soon as I realized there was a problem. I will keep better tabs on my escrow and you should also.

My escrow account with Wells Fargo is now short because they have made payments to both Homesite and Amica. The Homesite portion should have been refunded but has not.

And during the second conversation with the supervisor, I learned that Josey (the original processor of the cancellation) had not yet 'cancelled the policy' so I was sent back to Josey a second time to 'complete the cancellation'. Had I not asked for a cancellation number, I wouldn't have learned that Josey had not yet finished the cancellation transaction? Very disappointing.

No one in the Homesite customer service department can help and I was told to send an email to "customer service" to escalate my case. No one has not bothered to respond to my email in over three weeks. As a former residential appraiser and bank construction loan officer, I am 100% confident that their replacement cost calculations are fraudulent. I provided them with the results of an online replacement cost calculator as well as a copy of a 2005 appraisal of the property that documented my contention. I feel that this dramatic increase in replacement costs constitutes blatant consumer fraud. I intend to pursue this through all avenues.

Homesite appears to be a group, or a secret company that just refinances insurance policies, that are serviced by agents, who are not company, or group connected, but use their existing client base, to expand profits, and hide behind an unknown entity. I worked for a service oriented company for over 35 years, and it's specially frustrating for me, when a group or company takes away the integrity of its employees, to maintain and increase profits. You be the judge. I may have to cancel my policy, and look elsewhere for a more honest coverage.

We overnighted him a check. He called over the Thanksgiving holiday, but he called our work numbers and not our cell phone numbers and so he did not officially "process" our policy until December 1. When we called on December 1 and returned his calls, he accidentally cancelled our quote number and had to re-quote a new policy, which ended up being $180 more than what we had sent the check for. He said he couldn't do anything about that, since the rates had gone up since the week before when we had mailed the check in to him. He refused to help us, even stated that he "took full responsibility" for the screwup but that we were responsible for the extra cost.

I wish I had never gone with Progressive or HomeSite.

In early October, I called to have the check reissued. I was told to void the check and send it back, which I did, and a new check would be sent to me. Well here it is a month later and I have yet to receive a replacement check. I spoke with my agent 3 times and 3 times I was promised a check. I also called the claims agent's supervisor and did not receive a return call.

Since I thought that this was a rather simple claim & because the roof was in such bad condition & winter is coming on, I got tired of Homesite dragging their feet & had the roof replaced. I contracted the roofer that gave me the second from the lowest bid, which was still $3091 more than Homesite paid me before my deductible. Consequently I had to pay $3618 of the replacement costs from out of pocket. I have a severe medical condition that I am disabled with & I am also retired on a fixed income. I don't want anything more than what is coming to me. I want them to act in good faith & stand by their policy & nothing more.

Thank you for your consideration in this matter & anything that you can do to help me with this will be greatly appreciated. Please feel free to contact me at the number I gave you if you need any further information.

It seems kind of strange that after providing the rep with the breeds of my dogs that they all of a sudden couldn't provide me with a quote because of the rebuild cost. However, after reading the posts regarding Homesite Insurance Group, I'm glad they couldn't insure me, let alone quote me! I have filed a discrimination complaint about the company and the dishonesty of why they could not quote me to the Insurance Commissioner. I have also contacted the BBB for Western Washington regarding this.

Out of all of my dogs, the only aggressive one is the little one, who will stand 20 feet away from you and yap! Even the postal service workers bring my dogs treats when they deliver my mail! Before someone discriminates against an animal, maybe they should spend just a little time around it/them. I would like to know if anyone else has had this same issue.

Today is August 4, and we are still suffering without air. The temperature is 100 degrees in Memphis. We called Homesite today and were able to speak to Nichole **. She said that she believed the damage was simple wear and tear and that we don't have a claim. My husband became upset when she said she had checked the weather in our area and that we were lying about the tornado. When she began to raise her voice, I took the phone and asked if I could speak to someone else, possibly her supervisor. She said she did not have a supervisor and we could not speak to anyone else. She and I continued to go back and forth about the weather incident and she continued to speak harshly to me. I asked how could she speak to a customer this way and if our was call being recorded.

I was hoping it was being recorded so there would be proof of how she treated us. She hung up on us and I called back once again trying to talk to someone else who could help. When I did speak to someone else, I was told that Nichole ** had accused me of cursing her and if that was true, I was going to be made a paper customer only. She explained that I would only be dealt with by paper only and not be allowed to call Homesite for any reason. This really hurt! But once again, I asked about our call being recorded. If Nichole ** is claiming I cursed her, surely she has proof. At that time, I was transferred to her supervisor and left another message and I have not received a call back yet.

Now, my husband and I are having to buy a new air unit soon. I'm upset because we have been in our house five years and have never missed a payment with Homesite. My advice to anyone calling Homesite is to record the call yourself. They have people working for them who do not think customer service is a priority. If there is anyone who can help us, we would like to hear from you.

Well, okay, understood, I guess. She went on to ask me what happened. I gave her the details then she stated she will send me paperwork, blah, blah, blah, but I must obtain a police report etc. All items I have no receipt for I must send packages items were in, pictures, etc. Well, I followed her instructions and spent $36 mailing off all items requested. Since that time, I have not heard from the adjuster, Christina **, but coincidentally, did receive a letter of cancellation from the company, stating my policy will be cancelled August 2009, and unearned premium will be returned after cancellation becomes effective. They also stated due to unfavorable loss experience during the underwriting review period, they are unable to continue my policy of theft loss.

Well, I must say that this company is a real rip off. I have never known a company that would drop you because a theft took place and they hold the insurer responsible, so they withdraw the policy. The adjuster refuse to return your call to inform you of what is going on. The representatives refuse to answer your questions. The claims department continually transfers your calls to an adjuster that is likely erasing your voice mails. Again, this is not fair to the consumers and it appears that Homesite is just another company that continues to rip off their customers and no one has done anything about it to this date, yet.

I only went with this company because of Progressives' good reputation. What a major disappointment. I would never want to depend on this company if my house were seriously damaged, I cringe at the thought. FYI: I thought I would try one last time to talk to someone in management before I submitted this. I got someone with a serious speech problem that said he would send an email to the manager and I should hear from them in about two days. Click!

The insurance company paid out $1,000 no fault medical coverage and denied that I had any liability claim. I am now in medical debt and do not have an income that can manage this debt (annual $27,000 net). The insurance company states that my son-in-law is not responsible for the accident because he had people helping him load and unload the trailer (others are guilty, no one is guilty). When he spoke with Homesite, he claimed that he indeed was responsible since he supervised all aspects of the move. He rented and paid for the moving trailer, he loaded and supervised all loading, he unloaded and supervised the unloading process, he placed the trailer on his driveway which had a 4 or 5 degree decline (which contributed to this accident), he supplied the ladder, he called for the ambulance, he reported this incident to his insurance company and stated to them that he was responsible in all areas. He purchased the insurance to cover this type of liability.

Homesite Insurance company judged that they are not going to help me pay the medical bills that were incurred beyond the no-fault $1,000 because the owner of the policy is not liable. They suggested the company, which owned the trailer was liable. How sad is this industry? These are simply denial tactics for which they hope to be released from their obligations. I am now in medical debt and I am still in the healing process at 8 weeks.

The rest of his home still remains damaged like his back stairs, front stairs and wheel chair ramp. The local general contractors won’t work on the home due to the poor communication the insurance has. It’s sad that these clients have lived well into their 80's, worked hard, paid their bills and ended up with a crooked insurance company. Sometimes you do get what you pay for. As for me, I will probably never get paid for my materials, permit fee, and labor, and even if I do, it is too late. The damage, economically, is done. Not very happy!

On the 17th, I called customer service and asked if I could talk to someone over her. When she got on the line, she told me that they had not received my box yet and for me to check next week. Okay, I checked with the USPS and the box was delivered on April 10th. I called her and emailed her the info on 4/16/09 showing it was delivered to home site on 4/10/09. The rep called me and said it may be there but it hasn't come to her yet and she will call me when she gets it. Time went by and I hadn't heard from her so I emailed and called her on 4/27/09, but no answer. I called again on 5/1/09 and she called me back saying she never got the box. I said, "Well, it was delivered there on the 10th," and she said she would have the package department look for it and for me to call her on 5/4/09.

I called on 5/4/09 and she called me back on 5/5/09 saying that they didn't have the box and she was going to ask them to look for it again. I asked her what happens if they don't find it and she said, "We will have to start on the claim and get as much done as we can. It will pop up because it was delivered here and they wouldn't throw it away even if they didn't know who it went to." Mind you, she has had my paperwork emailed to her for weeks and she hasn't even started on my case. I should have stayed with the other company I was with. I switched because I wanted my car and home insurance with the same company, Progressive. Big mistake. It has been over a month and she hasn't even started on my case. I tried to find another company so when this is over I can switch and no one will cover me because I have a claim. I feel like I don't have any insurance. What is the ** point?

Then today, when I requested to speak to her supervisor, she finally called back and was very nasty in the conversation. I asked her who did she think she was talking to and she kept on, so I hung up on her. I will not tolerate people speaking to me that way. Then when speaking with the lady on the customer service side, she told me that the only thing I can do is to call Beverly back as she has nothing to do with them transferring my case. I will never do business with them again. Both bathrooms are still a mess.

They sent another assessor to inspect and I brought my contractor to help support the estimate claims. The assessor did not take photos or do sketches or measurements. He only looked around, watched the contractor walk him through the damages, and left. I was not given any visibility on this report, no follow-up came from the Homesite/BrightClaim for over a month, during which I also attempted to call several times. I finally caught the original claims rep and he explained that the roof cost would be $420. That doesn't cover 1 square foot of repair.

Even though I sustained damage from wind and a tree, I was shocked that the cost of 1 gutter would be higher than the roofing cost. I went to the Home Office and they claimed to forward this issue on to supervisors and such, but I'm not holding my breath. I'm still out of roof repair at $11,000, and still haven't seen a check for the $420. They have 35 employees and generate $11 million in sales. No wonder why they don't pay out and let customers make a clean break when a policy ends or gets cancelled.

well now its been months later and they are still charging my account and when I try calling I am left on hold for hours and get transferred from one person to the next. this is completly outrages I honestly believe that this comapany does not exist and its fraud what they are doing!

as a result I have been charged overdraft fees by my bank because I do not count on this getting taken out every month from it. so I ended up closing my bank account that I've had for years!

I am starting to believe that there is no Homesite insurance. That it is a fraud and only takes my money. But I am unable to call or contact anyone at the company -- they never answer their phones. They have no customer service department either. they have put people on hold and play background music and occasional voice announcements that someone will be with you . . and calls are taken in order!

I am starting to believe that there is no Homesite insurance. That it is a fraud and only takes my money. But I am unable to call or contact anyone at the company -- they never answer their phones. They have no customer service department either. they have put people on hold and play background music and occasional voice announcements that someone will be with you and calls are taken in order! Don't buy insurance through this company. Bad news!

They did change my deductible from $500 to 2% on the last policy change. This is a whole different story. They did approve it with the state of Minnesota, but never clearly informed their customers they were doing this. They basically just snuck it in the policy renewal. The insurance commissioner had started a list of names with people who were complaining about this, but he did determine that it was legal. But it is not ethical or moral!

So back to the the other story, so even with the $4,200 deductible, I still should have received at least $12,000, instead they said my check would be $500.

I had dealt with this company in the past. I fought with them for 10 months over another claim and got nowhere but frustrated. I had actually been in the tornado.

I was in the middle of the tornado on May 25,2008. I was driving home with my 17 month old daughter and my truck was thrown through the air like a billboard and landed 100 feet out in a field. So I knew I had the ability to get this on the news. And from dealing with this company in the past, I knew I was going to need all the help I could get. So I went to Fox, they aired the story, but Homesite would not return Fox's calls. But I did receive a call from the VP of Homesite, who offered me about $5,000. I refused the offer. He then told me he was recording me and that I was trying to blackmail his company and that I had also made false claims in the past. My last claim was very legitimate, but they never would pay on that one. I hear these are some of the oldest intimidation tactics in the book.

GMAC is starting to get involved now that I have made enough noise. They are starting to talk to Homesite. But Homesite is absolutely unbelievable. The story is so ridiculous it is almost unbelievable, but unfortunately for me it is true. I was trying to get past the trauma of being in the tornado and helping my daughter deal with some fears she had developed, but now instead I am dealing with all of this.

I was going to cancel my current policy, but wanted to firm it up with Homestead first. Glad I held off doing so.

I was given an estimate of $5000 roughly. This covers the roof and the siding.

I'm going to immediately look for a new insurance company tomorrow morning! This is unbelievable. I'm also going to contact my state representatives and report them to the insurance regulatory commission in Columbia, SC.

Had to pay for own roof repairs, had to enlist another home insurance policy worth only 40,000 instead of the recommended 150,000 which was the ammount insured from that company. Had to pay higher premium due to them saying losses were reported but they never paid on any claims.

We contacted the company and requested reconsideration due to the fact we have been a customer since April 2004. Latter we had several roofers inspect the home's roof and chimney. All the roofers verified that the roof had hail damage from recent and past storms. We contacted the company and filed a loss report. Note this property has had this same company since April 2004 to the present. With one of the prior policy being 30153293. There were no claims from us on this property, but it was brought to our attention that the prior owners had filed a claim and they refused our claim due to the prior owners claim.

In the photos we sent to the company, before we replace the roof you could clearly see that the roof had prior repairs. Refering to the different colored shingles in said photos.. Note we also did all the corrections of the underwriters issues and they refused to reinstate our policy on our residence. Note I enclosed the photos to verify those corrections were made in the time prior to the cancellation date of 6/23/2007. I am requesting this company to be investigated for unfair business practice, consumer fraud and breach of contract.