Esurance Home Insurance Review

Rating: 9.4 / 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?


Financial Strength
Customer Experience
Pricing & Discounts

Overall Rating: 9.4 / 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

Financial Strength - 9 / 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.
Marketshare 2016
Premiums Written 2016
AM Best Financial Rating
*The above information reflects the financial strength of the underwriter of the Esurance home insurance policies: Allstate.

Customer Experience

Customer Experience - 10 / 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.

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
NAIC Total Complaints 2016
*The NAIC 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
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Esurance Coverage

Coverage - 9.6 / 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.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Coverage
Scheduled Personal Property Coverage

Pricing & Discounts

Pricing & Discounts - 9 / 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.

Household Discounts

  • New Home
  • Home Safety Features

Policy Discounts

  • New Policy
  • Multi-Policy
  • Claim-Free

Contact & Additional Information

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

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Customer Comments & Reviews

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Vancouver, Washington
This company will change your policy without notice, and then restrict your ability to change it back. I have been with Esurance for over two years now, and they have started to change my plan WITH NO PERMISSION in the middle of a policy - all to make more money! They keep emailing me saying that they have changed my 'garage' address when I have not moved since I started with Esurance. POS company, I will be switching before the next billing cycle.

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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