Updated: February 11, 2026
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Average Annual Premium
Number of Endorsements
Number of Discounts
Homesite ranks 14th nationally for customer experience with a score of 3.33 out of 5.
The company ranks eighth for affordability and charges $2,526 annually for $250,000 in dwelling coverage.
Homesite offers four optional coverages, with identity theft protection and valuables coverage among them.
Homesite ranks 10th out of 14 homeowners insurers nationally. Its MoneyGeek score of 4.18 out of 5 shows that it balances affordability, customer service and coverage quality.
Our evaluation of the best homeowners insurance considers how companies perform across multiple factors. The table below shows how Homesite scores in each category and its corresponding national rank for our sample homeowner profile.
| Overall | 4.18 | 10 |
| Affordability | 4.63 | 8 |
| Customer Experience | 3.33 | 14 |
| Coverage | 4.20 | 6 |
*Scores are based on a 2,500-square-foot home, a $250,000 dwelling protection coverage and a $1,000 deductible.
MoneyGeek compared Homesite against Universal Property and Chubb for affordability, customer experience and coverage options. Homesite charges $2,526 yearly. That's roughly half of Chubb's $4,221 premium. Homesite's overall score of 4.18 nearly matches Chubb's 4.34. Lower cost doesn't mean lower quality here.
Homesite balances affordability with solid coverage options (4.20). Its customer experience score of 3.33 lags Chubb's 4.59 rating. Claims handling and service responsiveness need improvement.
| Average Monthly Premium | $211 | $1,742 | $352 |
| Average Annual Premium | $2,526 | $20,904 | $4,221 |
| Overall MG Score | 4.18 | 3.56 | 4.34 |
| Affordability Score | 4.63 | 4.09 | 4.19 |
| Customer Experience Score | 3.33 | 3.53 | 4.59 |
| Coverage Score | 4.20 | 1.67 | 4.37 |
Homesite's home insurance includes the six standard home insurance coverages that protect your property and finances. The coverages below outline what home insurance covers in a typical policy.
Dwelling coverage pays for damage to your home's structure, including walls, roof and attached fixtures. This coverage handles repair or rebuilding costs from covered perils like fire, wind or hail.
Other structures coverage covers detached structures on your property such as garages, sheds, fences and gazebos. This protection extends to pergolas, detached workshops and other standalone buildings.
Personal property coverage reimburses you for damaged or stolen belongings inside your home, including furniture, clothing, electronics and appliances. This coverage applies both at home and away from your property.
Personal liability coverage covers legal expenses and damages if someone gets injured on your property or you accidentally damage their property. This protection includes legal defense costs and settlement payments up to your policy limits.
Medical payments coverage handles medical expenses for guests injured on your property, regardless of who's at fault. This coverage pays for immediate medical costs like emergency room visits and ambulance rides.
Loss of use coverage reimburses additional living expenses if your home becomes uninhabitable due to covered damage, including hotel costs and restaurant meals. This coverage also pays for storage fees, laundry costs and other expenses beyond your normal budget while repairs are completed.
Homesite offers four optional coverages, also called endorsements, though availability varies by state. Endorsements are add-ons that expand your policy's protection beyond standard coverage. The table shows Homesite's additional coverage options:
Identity Theft Protection | Reimburses up to $15,000 for expenses resulting directly from identity theft, including legal fees and lost wages. |
Personal Injury Protection | Covers claims against you for non-physical harm like libel, slander and invasion of privacy under your homeowners policy. |
Scheduled Personal Property | Provides open perils protection for high-value items including jewelry, furs, cameras, musical instruments, silverware, fine arts and golf equipment. |
Extended Coverage on Your Home | Adds 25% or 50% of your dwelling coverage amount when your home's replacement cost exceeds your original policy limits. |
Homesite's home insurance excludes several types of damage, including floods, earthquakes and damage you cause deliberately. Additional coverage is available for some exclusions through separate policies.
Standard policies exclude flooding and earthquake damage because these events affect large areas simultaneously. You'll need separate flood insurance through the National Flood Insurance Program and earthquake coverage through specialty insurers or endorsements.
Your policy won't cover damage you cause deliberately or damage resulting from long-term neglect of your property. This includes mold growth from ignored leaks and deterioration from deferred maintenance.
Standard coverage limits apply to jewelry, art, collectibles and other valuable items unless you purchase additional coverage. Most policies cap coverage for these items at $1,000 to $2,000 unless you purchase Homsite's scheduled personal property endorsement.
Homesite's average cost of home insurance is $2,526 annually for $250,000 in dwelling coverage, while $1 million in dwelling coverage costs $6,557 per year.
Your premium depends on more than coverage level and deductible. Your home's age, location, credit score and claims history also matter. The table shows Homesite's rates at different coverage levels to help you find affordable home insurance that fits your protection needs.
| $100K Dwelling / $50K Personal Property / $100K Liability | $133 | $1,597 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $211 | $2,526 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $337 | $4,044 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $445 | $5,336 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $546 | $6,557 |
Homesite's rates vary by location because factors like local weather patterns, crime rates and construction costs affect your premium. A Homesite policy in Connecticut costs $3,531 annually, while in Maryland costs $1,523, making home insurance in Connecticut more expensive than Maryland.
Review the table to see where Homesite offers homeowners insurance and what you'll pay for $250,000 in dwelling coverage with a $1,000 deductible in your state:
| Connecticut | $3,531 |
| Delaware | $1,266 |
| Maryland | $1,523 |
Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.
To lower your costs, Homesite offers eight discounts, but you'll need to verify with an agent because availability and eligibility vary by location. Review the table for a breakdown of each discount opportunity:
New Home Purchase Discount | New homeowners receive a discount when purchasing their first home. |
Moving In Discount | Customers switching from a Homesite renters or condo policy to a homeowners policy qualify for savings. |
Bundling Discount | Bundling your home and auto insurance policies together earns you a 10% discount. |
Senior Discount | Homeowners above a certain age or who are retired may qualify for reduced premiums. |
Protective Devices Discount | Installing central monitored fire or burglar alarms or whole-home sprinkler systems can lower your rates. |
Roof It Over / Age of Roof Discount | Homes with roofs less than 10 years old or newly replaced roofs qualify for premium reductions. |
New Construction / Age of Home Discount | Newer homes built with modern construction technology receive lower rates due to reduced claim likelihood. |
Better Together | Purchasing endorsement packages costs less than buying individual endorsements separately. |
Homesite makes it easy to buy home insurance online or through an agent, depending on how much guidance you need. Both options give you access to the same coverage and pricing.
Find your home's replacement cost and your belongings' value. This tells you how much home insurance you need. Create a home inventory listing your possessions. Set appropriate personal property coverage limits.
Visit Homesite's website for an online quote or call an agent for personalized help. Share your home's square footage, age, construction type and safety features.
Review different coverage levels and deductible amounts. Find the right balance between premium costs and protection. Check how changes to dwelling coverage, liability limits and optional endorsements affect your total premium.
Ask about discounts you qualify for: new home purchase discount or age of roof discount. Mention security systems, bundling opportunities or other factors that cut your premium.
Check your policy documents carefully. Confirm coverage limits, deductibles and endorsements match your needs. Complete your purchase and schedule your first premium payment.
File a home insurance claim with Homesite online or by phone. Both connect you directly with the claims team.
Call Homesite immediately after damage occurs or use the online claims portal. Share the date, cause and extent of the damage.
Photograph and video all damaged areas and items before making repairs or moving debris. List damaged property with descriptions, purchase dates and estimated values.
A Homesite claims adjuster will contact you to schedule an inspection. Walk through the damaged areas with the adjuster. Nothing gets overlooked.
Homesite sends you a settlement offer based on the adjuster's assessment and your policy coverage. Accept the settlement and start repairs. Use any contractor you want or pick one Homesite recommends.
Homesite scores 4.18 out of 5 from MoneyGeek, making it 10th out of 14 providers in our national analysis. Annual premiums average $2,526 for $250,000 in dwelling coverage with a $1,000 deductible.
Homesite has eight ways to save including discounts for monitored security systems and newer roofs plus endorsements like extended dwelling coverage and personal injury protection. Homesite is strong in affordability and coverage but weak in customer experience. It's 14th nationally with a 3.33 score.
We answer common questions about Homesite's home insurance.
Homesite earned a MoneyGeek score of 4.18 out of 5 and ranks 10th nationally among 14 homeowners insurance providers. The company performs well in coverage options (ranking 6th), but ranks 14th for customer experience with a score of 3.33 out of 5.
Homesite charges an average of $2,526 annually for $250,000 in dwelling coverage with a $1,000 deductible. Rates vary by state, ranging from $1,266 in Delaware to $3,531 in Connecticut, and your actual premium depends on factors like your home's age, location and claims history.
Yes, Homesite provides eight discounts including the age of roof discount for roofs less than 10 years old, the premises alarm discount for monitored security systems and a 10% discount for bundling home and auto policies. Discount availability varies by state, so ask an agent which discounts apply to your situation.
Homesite offers four optional coverages: identity theft protection covering up to $15,000 in expenses, personal injury protection for libel and slander claims, coverage for valuables like jewelry and fine arts, and extended coverage adding 25% or 50% to your dwelling limits. Coverage availability depends on your state, so check with an agent about which endorsements you can purchase.
Homesite's standard homeowners insurance doesn't cover floods, earthquakes, intentional damage or damage from long-term neglect. The policy also has limited coverage for high-value items like jewelry and art without additional endorsements, and you'll need separate policies for flood and earthquake protection.
MoneyGeek evaluated Homesite’s homeowners insurance using a consistent national profile to compare affordability, service quality and coverage options against other providers.
We used the following base profile to determine Homesite’s rates and assess its affordability:
Our ratings system for Homesite included the following scoring mechanisms:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
