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Homesite Insurance Review

Rating: 8.1 / 10 (Excellent)
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Homesite is a homeowners insurance company that was acquired in 2013 by American Family Insurance. It was one of the first companies to market homeowners insurance through the internet. Although it maintains its own website, most of its operations have been subsumed by its parent company.

How is Homesite rated?


Financial Strength
Customer Experience
Pricing & Discounts

Overall Rating: 8.1 / 10 (Excellent)

Homesite Insurance was acquired in 2013 by American Family Insurance. Homesite maintains its own website and has its own subsidiaries in California and Wisconsin, but it appears that a majority of its functions have been subsumed by American Family.

Financial Strength

Key Details

American Family Insurance Group
Marketshare 2016
Premiums Written 2016
AM Best Financial Rating

Financial Strength - 7 / 10

Since Homesite Insurance was acquired by American Family Insurance Group, the company's financial strength is interpreted here as being the same as American Family's. American Family operates as a mutual insurance company, which is to say that it is owned by its policyholders. The company is highly rated by AM Best.
*The above information reflects the financial strength of the underwriter of the Homesite home insurance policies: American Family Insurance Group.

Customer Experience

J.D. Power 2016 Home Insurance Study

JD Power Overall Customer Satisfaction Score
3 out of 5 (About Average)
Policy Offerings
3 out of 5 (About Average)
4 out of 5 (Better Than Most)
4 out of 5 (Better Than Most)
3 out of 5 (About Average)
Annual Statement & Billing
3 out of 5 (About Average)

Customer Ratings

BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews

Customer Experience - 9.5 / 10

Though Homesite claims to have been one of the first insurance companies to do business over the internet, its web interface is rather bare-bones compared to many of its competitors. It does not appear that the company has an agent network independent of American Family's. Homesite is still listed by the BBB as a going concern and, like most insurance companies, has substantially more negative ratings than positive ones. However, JD Power's ratings for American Family are better than most in the area of claims and customer interaction.

Homesite Coverage

Basic Coverage

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

Additional Coverage

  • Water Backup Coverage
  • Scheduled Personal Property Coverage

Coverage - 9 / 10

Homesite/American Family offers all of the standard homeowners insurance coverages. Like some of its competitors, it also now offers coverage for identity theft. Unlike most of its competitors, it also offers coverage for water back-ups.

Pricing & Discounts

Household Discounts

  • New Home
  • Remodeled Home
  • Home Safety Features

Policy Discounts

  • New Policy
  • Multi-Policy
  • Customer Loyalty
  • Higher Deductible
  • Automatic Payment
  • Online Billing

Pricing & Discounts - 7 / 10

Pricing for Homesite/American Family home insurance is on par with the rest of the industry. However, the company offers a very broad array of discounts - including as discount for the children of American Family customers - that may make premiums lower than those of the competition.

Contact & Additional Information

Homepage URL
Company Phone
(800) 466-3748
Headquarters Address
One Federal Street, Boston, MA, 02110
Mailing Address
P.O. Box 5300, Binghampton, NY, 13902
Year Founded

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Top Rated
9.8 / 10
  • A+ BBB - Over 100 Years of Experience
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