Esurance Home Insurance Review

Rating: 9.6 / 10 (Excellent)
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Esurance is a multi-line insurance company that specializes in homeowners, renters, car, motorcycle, and auto insurance. It has a financial rating of A+ by AM Best, and offers mobile and online services for their customers nationwide.

Home Insurance Products Offered

  • Flood
  • Umbrella
  • Renters
  • Condo
  • Homeowners

Net Premium Written (A.M. Best)


Better Business Bureaus (BBB Ratings)



  • Multi-Policy Discount
  • Welcome Home Discount
  • Preferred Buyer Discount
  • Future Effective Date Discount
  • Claim-Free Discount
  • Loyal Customer Discount
  • Smoke-Free Discount
  • Hail-Resistant Roof Discount
  • Storm Shutter Discount
  • New Home Discount
  • Home Safety Features Discount


Standard Homeowners Policy

Civil Commotions
Fires and Lightning
Weight of sleet, ice, and snow
Theft and vandalism
Falling Objects
Freezing of plumbing, air conditioning,  heating, and other household systems

Basic Homeowners Insurance

Other Structures Protection (Tool Shed, Fence, Carport)
Dwelling Protection
Water Backup Coverage (Ranges from $5,000 to $25,000)
Personal Property Insurance (Limit of 60%)
Additional Living Expense Coverage (Limit of 10%)
Guest Medical Protection (Up to $5,000)
Family Liability Protection (Limit of $100,000)
Fire Department Charges Coverage (Up to $5,500)

Optional Home Protection Insurance

Increased building Structure Coverage (20% to 40% of your dwelling coverage)
Identity Theft Expense Coverage  (Up to $10,000)
Building Codes Coverage (5% to 20% of your dwelling coverage)
Fair Rental Income
Extended Premises
Home Day Care Coverage

Financial Ratings

Esurance has a very good financial score that makes it a strong and trusted insurance company. It has been accredited and graded highly by A.M. Best and BBB, which helped it build its reputation.

Bottom Line

Esurance is definitely a good choice for home insurance. The company's website offers a wealth of information and educational materials on the subject of homeowners insurance. Also, Esurance customers are able to use innovative and handy mobile apps that are second to none. Discounts and special policy features are strong points as well.  The company, however, does not offer all types of homeowners insurance (claiming it's policies are a "hybrid" of HO3 and HO5) and does not cover all dwelling types. In addition, Esurance is only available in 25 states, so you might have to look elsewhere or go with parent company Allstate.

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9.6 / 10
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Latest Esurance Reviews

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Darin J
Dallas, Texas

The very first page, where it asks for information on the house to be insured, it keeps saying, "Oops. Please enter a correct city." What the...? I can't get past the first page, yet this is getting rave reviews? I imagine they want me to lie and say I live in Atlanta, the nearest big city, but I don't live there. When their programming is so terrible that it won't let me put my precise city into the web form, I'd say that gets a one-star rating.

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