Esurance Home Insurance Review
ConsumersAdvocate.org Rating: 9.7 / 10 (Excellent)
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
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
Basic Homeowners Insurance
Other Structures Protection (Tool Shed, Fence, Carport)
Optional Home Protection Insurance
Increased building Structure Coverage (20% to 40% of your dwelling coverage)
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.
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.