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Esurance Home Insurance Review


Rating: 9.5 / 10 (Excellent)
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Esurance is an American insurance brand that operates as a business unit of Allstate. It provides homeowners insurance through the internet, rather than through an agent network. Founded in 1999, the company has kept pace with evolving technology and has regularly introduced new mobile and internet tools to facilitate the insurance purchase and claims experience.

How is Esurance rated?

Breakdown

10/10
Financial Strength
10/10
Customer Experience
10/10
Pricing & Discounts
9/10
Coverage

Overall Rating: 9.5 / 10 (Excellent)

Founded in 1999, Esurance is one of a newer breed of insurance company that focuses on establishing customer interactions via the internet and over the phone, rather than through an agent network (indeed, they don't even have one). As part of insurance giant Allstate, it is on sound financial footing and does business in nearly every state. It is highly rated by the BBB with a surprisingly low number of consumer complaints. Esurance is a sound choice, particularly for people who actively seek the ease and convenience of dealing with their insurer mainly via the internet.

Financial Strength

Key Details

Underwriter
Allstate
Marketshare 2016
0.06%
Premiums Written 2016
$0
AM Best Financial Rating
A+

Financial Strength - 9.5 / 10

As a subsidiary of Allstate, Esurance has a very solid financial foundation. Their parent company has high ratings from Standard & Poor's and AM Best and has been in business for over 85 years.
*The above information reflects the financial strength of the underwriter of the Esurance home insurance policies: Allstate.

Customer Experience

National Association of Insurance Commissioners

NAICS Complaint Ratio 2016
2.03
NAICS Total Complaints 2016
10
*The NAICS complaint ratio (in this case 2.03) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

Trust Pilot Rating
7.0 out of 10
BBB Rating
A+
Number of BBB Positive Reviews
8
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
33
Date Collected
2017-12-10

Customer Experience - 9.8 / 10

Esurance has been the subject of remarkably few published consumer complaints in its 18 years of existence. This fact is all the more notable for a company that does not employ agents to help iron out problems in person. As one of the first players in the online insurance market, Esurance has honed its website's user interface to eliminate most of the usual friction points.

Esurance Coverage

Basic Coverage

  • Dwelling Protection
  • Other Structures Protection
  • Personal Property Protection
  • Liability Protection
  • Guest Medical Protection

Additional Coverage

  • Scheduled Personal Property Coverage

Coverage - 9 / 10

Coverage for homeowners includes the standard package of liability, medical payments, structure, and personal property coverage. Benefits include relocation expenses for between 12 and 24 months, depending on which state the policy is written in. Additional optional coverages are available as well.

Pricing & Discounts

Household Discounts

  • New Home
  • Home Safety Features

Policy Discounts

  • New Policy
  • Multi-Policy
  • Claim-Free

Pricing & Discounts - 9.5 / 10

Esurance claims that by eliminating the agent-middleman, it is able to reduce the cost of its insurance services, which is difficult to prove. Esurance's premiums are very much on par with those of other insurance companies The company offers discounts for new construction, homes that are self-inspected, home security devices, a claims-free insurance history, storm shutters, and non-smoking policyholders.

Contact & Additional Information

Homepage URL
Company Phone
(800) 378-7262
Headquarters Address
650 Davis Street, San Francisco, CA, 94111
Year Founded
2001

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Customer Comments & Reviews

Loading Reviews ...
D
Darin J
Dallas, Texas
2/21/2017
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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