Considering affordability, customer service, coverage and financial stability, Homesite ranks fifth overall in the nation for home insurance. The company offers the most affordable home insurance rates for newer homes and ranks highly for financial stability. Review our ratings below.
Homesite Home Insurance Review
Updated: June 25, 2025
Advertising & Editorial Disclosure
Key Takeaways
Homesite ranks fourth overall for home insurance affordability, with particularly low premiums for those with newer homes.
Homesite ranks third in the nation for financial stability, though customer satisfaction is slightly lower at sixth place.
Homesite ranks fourth overall for coverage options, offering standard plans and add-ons like extended reimbursement and refrigerated items coverage.
Homesite Home Insurance Ratings
| Overall Rating | 53 | 5 |
| Affordability | 38 | 4 |
| Customer Satisfaction | 11 | 6 |
| Coverage | 3 | 4 |
| Financial Stability | 2 | 3 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
Homesite Home Insurance Ratings by State
While Homesite ranks within the top five nationally, these ratings can vary depending on your state. The table below shows how the company stacks up by location.
| Connecticut | 56 | 6 |
| Delaware | 33 | 5 |
| Maryland | 70 | 5 |
How Much Is Homesite Home Insurance?
For most homeowners, Homesite home insurance costs around $164 monthly and $1,966 yearly. However, depending on your unique profile and coverage needs, costs can vary from $56 to $1,671 monthly. Below, we've broken down costs in a filterable table that can fit your profile.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
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Age of Home:Older Homes
| $250K Dwelling / $125K Personal Property / $200K Liability | $164 | $1,966 |
Homesite Home Insurance Cost By State
Costs also vary heavily by state. Below, you can review pricing for Homesite home insurance by location:
| Connecticut | $265 | $3,179 |
| Delaware | $103 | $1,236 |
| Maryland | $124 | $1,482 |
Homesite Home Insurance Coverage Options
In addition to standard coverage options, Homesite offers the following add-ons:
Add-on Coverage Option | Coverage Details |
|---|---|
Extended reimbursement | Provides additional coverage, up to 25% or 50% of your dwelling coverage, if the amount to replace your home exceeds the coverage provided by your policy |
Scheduled personal property | Covers valuable items such as jewelry, furs, cameras, musical instruments, silverware, fine arts and golf equipment |
Cyber event/Identity theft | Covers up to $15,000 of expenses you incur as a direct result of identity theft |
Refrigerated items | Covers the cost of replacing spoiled food in your refrigerator in case of power outages in your area for an extended period |
Building ordinance or law | Pays extra costs to bring your home up to current building codes when rebuilding after a covered loss |
Back-up of sewer or drain | Provides coverage for direct physical loss due to water backing up through sewers or drains and water that overflows from a sump |
Homesite Homeowners Insurance Review: Bottom Line
Overall, Homesite ranks among our top five for home insurance policies, and we recommend contacting it for quotes. While Homesite may be a good provider, compare other options and pricing to get the best deal.
Homesite Home Insurance: FAQ
Below are answers to frequently asked questions about Homesite home insurance:
Is Homesite home insurance good?
Homesite is a strong home insurance option, earning the fifth overall spot nationally. It ranks fourth for affordability, sixth for customer satisfaction and fourth for coverage options.
How much is home insurance with Homesite?
Homesite home insurance for $250,000 of dwelling coverage is around $1,966 per year, about $704 less than the national average. Your premium may vary between $672 and $20,052 annually.
How is Homesite's home insurance customer service?
Homesite home insurance customer service scores below average and is not included in recent J.D. Power scores, making it a less than reliable choice in that category in our study.
How We Rated Homesite Home Insurance
We used the following base profile to determine rates for all homeowners insurance providers and judge their affordability:
- 40-year-old homeowner
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past 5+ years
Our ratings system consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared costs relative to the national average and competition.
- Customer Experience (35% of score): We considered forum ratings from customers, industry studies from J.D. Power and AM Best Financial Strength scores.
- Coverage (10% of score): This score considers add-on coverage selections relative to the average and the uniqueness of selections available.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.