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Homesite Auto Insurance Review: Quotes and Service (2024)


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ByDevon Delfino
ByDevon Delfino

Updated: December 28, 2023

Advertising & Editorial Disclosure

MoneyGeek Logo IconBadge ribbonscore61

1/5

discounts

3.15/5

complaints

5/5

satisfaction

4/5

stability

2.7/5

affordability


pros

checkmarkCustomizable coverage
checkmarkExcellent customer satisfaction and above average financial stability ratings from MoneyGeek
checkmarkAvailable in all 50 states and Washington D.C.
checkmarkOffers medical expense coverage

cons

closeNo discounts
closeAverage complaints score and below average affordability rating
closeDoes not offer coverages like accident forgiveness, new car replacement, gap insurance or deductible modification

Verdict

While Homesite is not ranked by consumer reporting agencies, MoneyGeek gave it an outstanding customer satisfaction rating and a strong financial stability rating. Despite this, the company has below-average affordability and complaint ratings. It also gives little or no customer discounts. Additionally, the number of available add-on coverages is limited.

Additional information on Homesite and other auto insurers are available through MoneyGeek's resources on the cheapest and best auto insurance carriers. You can use MoneyGeek's auto insurance comparison tool to check how Homesite compares to other insurers.

How Does Homesite Rank for Customer Service?

Homesite Insurance has been reviewed on its customer service by both the Better Business Bureau and the NAIC, to widely varying effects. But when it comes to the financial stability of the company, AM Best ranks it as stable. So while it may not be the best option for those who are looking for stellar customer service, it may still be a solid option for others.

Customer Satisfaction Rating

The Better Business Bureau gives Homesite Insurance — the group which includes their auto insurance division — an “A+” rating, while customer reviews rank it at just over one star out of five. That’s the average rating, based on 68 entries from Homesite customers, though it’s worth noting that only one of those reviews mentioned a car policy.

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Discounts Offered by Homesite That Can Help You Save

Currently, Homesite does not offer any discounts on auto insurance premiums. No common discounts, such as bundling, safe driving or good student, are provided to its policyholders, and no special discounts are available. This explains the insurer’s low discount rating.

Car Insurance Comparison Tool

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Note: The cost of car insurance is highly personalized and varies from driver to driver. Auto insurance companies weigh several factors when considering your rate, including age, driving record, address, the type of car you drive and more. The MoneyGeek calculator estimates how much you could pay for car insurance, without entering your personal information. The estimator can help you decide if it's time to switch car insurance companies or find a provider that fits your needs and budget.

Does Homesite Offer Broad or Unique Coverage?

Similar to other providers, Homesite offers the state's mandatory car insurance as well as collision and comprehensive coverage. Additionally, the company provides roadside assistance and rental reimbursement coverage.

The company offers add-on coverages, including the unique original equipment manufacturer (OEM) coverage. This coverage is useful because it ensures that aftermarket parts won’t be used when repairs are made to your vehicle.

What Online Auto Insurance Tools Does Homesite Offer?

Homesite is available in all 50 states, plus Washington D.C., which is useful to those who want the freedom to move to other states without having to get a new insurer. But its support features and coverage options are somewhat basic when compared to other national insurers.

  • Type of Feature
    Description
  • Online Price Quotes
    You can get a quote for auto insurance on the Homesite Insurance website.
  • Online Bill Pay
    You have the option to file a claim online through your Homesite Insurance account and pay your bills. You can also make policy adjustments in that online portal.

Other Homesite Insurance Products

Homesite offers a solid array of other insurance options for customers, which can be useful for those looking to save money by bundling their policies with the same insurer. However, if that’s of interest, it’s still important to research your options thoroughly to make sure you’d actually be saving money compared to going with a cheaper insurer.

  • Type of Product
    Description
  • Homeowners Insurance
    Protection against property damage and theft, as well as loss of use and medical payments to others, for homeowners.
  • Condo Insurance
    Covers personal property, liability, medical payments to others as well as mold protection for renters or condo owners.
  • Flood Insurance
    Coverage for water damage which may extend to both the building and contents within.
  • Life Insurance
    Protection, for a given amount of time, in the event of the policyholder’s death.
  • Business Insurance
    Protects businesses from unexpected financial losses.

Financial Strength

AM Best’s rankings look at a company’s financial strength and ability to meet its obligations to customers in the event of a claim. Homesite Insurance’s “A+” rating indicates stability in those areas, though it’s not the same as a warranty.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

How to Make a Car Insurance Claim With Homesite

To make a claim, you would either call them and follow the prompts to get to the claims menu, or you could file a claim online via your Homesite account.

Contact Homesite Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About Devon Delfino


Devon Delfino headshot

Devon Delfino is an independent financial journalist covering topics in finance and marketing for six years. Her personal finance reporting has been featured in publications such as the L.A. Times, Teen Vogue, Mashable, MarketWatch, CNBC and USA Today, among others.

Devon earned a Bachelor of Science degree in Journalism from Boston University.


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