Homesite Home 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

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.
American Family Insurance Group
Marketshare 2016
Premiums Written 2016
AM Best Financial Rating
*The above information reflects the financial strength of the underwriter of the Homesite home insurance policies: American Family Insurance Group.

Customer Experience

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.

Customer Ratings

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

Homesite 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.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Coverage
Water Backup Coverage
Scheduled Personal Property Coverage

Pricing & Discounts

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.

Household Discounts

  • New Home
  • Remodeled Home
  • Home Safety Features

Policy Discounts

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

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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