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Esurance Home Insurance Ratings
Ranked
No. 3 Overall
Other Companies to Consider:
Reasons for Buying from Esurance
Customers of Esurance originally decided to purchase from the company for these reasons:
| Reputation | 24% |
| Offered best price | 20% |
| Recommended by friend or family member | 16% |
| Was the company my parents had | 9% |
| Saw online ad | 8% |
| Saw TV commercial | 8% |
| The company website and mobile apps are easy to use and helpful | 8% |
| Financial Strength rating | 6% |
| I had other insurance with this company | 1% |
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About Esurance
Homeowners policies offered
- Homeowners
- Renters
- Condo
- Umbrella
- Flood
- Liability
Additional policies offered
- Car and motorcycle insurance
- RV insurance
- Golf cart insurance
- Segway insurance
- Life insurance
- Pet insurance
- Health insurance
Best Home Insurance Companies 2020: How Esurance Home Insurance Compares
Like the last few years, Esurance came in the top five for all rating factors in the 2020 Best Home Insurance Companies. Overall, Esurance placed 3rd with a score 88.64. Erie also ranked 3rd for claims servicing and ease of use for website and apps. Erie’s highest ranking was 2nd for value for price and lowest was 4th place for customer service. A high majority, 95%, said they would renew and 92% said they would recommend Esurance to others.
Gauging an insurance company
Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Esurance's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For home insurance, Esurance (NAIC# 25712) had a complaint ratio of 2.10 for 2018. 2019 complaint numbers will be available in 2020.
Company Background
Esurance homeowners programs
Water backup coverage -- This isn't flood insurance, but it is important, as you know if you've ever experienced the thrill of realizing your sump pump is broken, after a good, long hard rain. It varies by state, but you can get anywhere from $5,000 to $25,000 in coverage.
Evolving the world of insurance
Esurance Insurance Services, Inc. started way back in 1999… Ok, so perhaps that isn't all that long ago, and the company has even come up with a tagline, to turn what could be seen as a deficit into a positive: Insurance for the Modern World.
Indeed, it is. Esurance started as an online car insurance company, with the idea that they would sell insurance online and make life easier for everyone. It was kind of a radical idea at the time. In 1999, the internet had been embraced by households across the world, but nonetheless, selling products online was a concept that was only a handful years old.
The company was modern in other ways, too. In 2004, Esurance started offering multi-car discount packages to same-sex couples, one of the first insurance companies to do so.
In 2011, Allstate purchased Esurance, and so for anyone who is worried about aligning themselves with a still-young company, Allstate has been around since 1931. Esurance is now, arguably, as solid and strong as any insurance company out there.
Consider Esurance if you're comfortable with technology and like fast claims
Esurance tends to get claims wrapped up within 10 days, but of course, what it's known for is being very modern insurance. If you spend a lot of time on your mobile phone, and you don't mind buying insurance online without talking to anyone, this is for you. That said, they have 24/7 customer service, and so it isn't as if they've completely forgone the old-fashioned touches.
Contact information
Esurance
650 Davis Street
San Francisco, CA 94111
Customer service/Claims: (800) 378-7262
Types of special coverage
Building codes. If your home is damaged and city ordinances or newer building codes require more expensive rebuilding than your homeowners insurance covers, you pay the difference in cost up to the limit you purchase.
Increased building structure. Extra dwelling protection for when your original coverage limits aren't enough.
Identity theft expense. Coverage if you're a victim of identity theft.
Fair rental income. Reimburses lost revenue at market value if your property is uninhabitable because of a covered loss.
Home daycare. Helps cover liability and other people's medical bills if there's an accident in your in-home daycare.
Extended premises. Protects your liability if a tenant is injured if your two-, three- or four-unit building.
Discounts
New home. Discount if you buy a new home.
DIY home inspection. Discount if you use the DIY home inspection app.
Alarm systems and safety devices. Discount for having security and fire-suppression systems.
Claims-free. Discount if you haven't filed claims during a certain amount of time.
Storm shutter and hail-resistant roof. Discounts if your home has special features to protect it against major storms.
Smoke-free home. Discount if no one smokes in your house.
New customer. Discount for new customers for the first two years.
Paying on time. Discount for making your payments on time.
Multi-policy. Discount for more than one type of policy with the same insurance provider.
Future effective date. Discount for setting effective date to start your policy at least seven days after you buy the policy.
Loyal customer. Discount for customers who stay with the company.
Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would
like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
Positive Feedback
Neutral/Negative Feedback
"Neutral on them, not great but not horrible thus far"
"I like this company a lot and would probably do it again if they were to fix some things."
"Their staff is good but lack of knowledge"
"Caring representatives. However not fully satisfied with my coverage."
"Doing very well until I made claim then slow process"
"Lack on information passed from representatives."
"Very good price, but sometimes they don't answer calls"
"Only relevant information is what you get, I'd like more information on items I may want in the future"
"I did not like the experience with this company."
"They have been very kind, but sometimes they have not resolved my concerns or requests."
"Covering good but would like to have more"
"They stink - just have not enjoyed anythig about my time with them"
"No issues so far"
"They say feel free to call with questions but haven't had to yet"
"I think that it would be better if I found something better company wise that would cover more damages/accidents/etc. but this is all I can afford currently."
"They have higher prices. Made some changes in my policy I was unaware of"
"I had no bad experiences with them"
"I am getting all the necessary things as per my requirements in a very less premium comparing to others, but nothing special"
"I am ok with this company"
"Renewal notice is given well in advance"
"Esurance gave me a low price but over the next few months they started notifying me of surprise inspections and then they excluded things like my roof from the policy. If I had know this beforehand, I probably would have paid more to buy insurance from another company that could cover everything I need to have covered, including my roof."
"Moderate price; common insurance for common person like me."
"Sincerity in their efforts to help me was appreciated"
"Simple and straightforward approach to customers"
"Price are bearable and service is great"
"Satisfied but not completely"
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"They are providing mostly every solution online"
-Age 18-36, Arizona"I have nothing bad to say they treat me fairly and have the best care when it comes to customers"
-Age 18-36, Colorado"It's such an amazing company they have helped me out so much."
-Age 18-36, Colorado"Easy to deal with them."
-Age 18-36, Idaho"Fast and great quality"
-Age 18-36, Illinois"It provides you a very good network of agents and reps that are easy to talk to"
-Age 18-36, Illinois"Fulfil my all needs, best customer service."
-Age 18-36, Indiana"Is an insurer concerned about the well-being of customers."
-Age 18-36, Indiana"It offers all the basic coverages and discounts we were looking for"
-Age 18-36, Indiana"My insurer is good from the beginning of the contract until the moment of use."
-Age 18-36, Indiana"Very punctual with in their services"
-Age 18-36, Kansas"Good people happy to be with them. Reputable company."
-Age 18-36, Kentucky"You can trust this insurer, it is the BEST."
-Age 18-36, Michigan"Attitude of the staff is great"
-Age 18-36, New Jersey"Each time they answered my questions perfectly"
-Age 18-36, New Jersey"My insurer don't give fake assurance or promises"
-Age 18-36, New Jersey"It delivers with what it offered me"
-Age 18-36, New Jersey"Website is very informative and user friendly"
-Age 18-36, New Jersey"24/7 quality service"
-Age 18-36, New Mexico"It has a great reputation "
-Age 18-36, New York"Best price with the advantages and perks it offers"
-Age 18-36, New York"Consider that these insurance companies are a necessary asset for the welfare of my finances it's very important to pick a good one and I think I did"
-Age 18-36, New York"I have good experience because when you buy homeowner policy you may apply for not just coverage on the building but also property inside building."
-Age 18-36, New York"I think that all of top companies are good, only you need to put you consideration and though into what works best for you"
-Age 18-36, New York"My experiences are much better for me with this company than my last one. This company is fully trustworthy."
-Age 18-36, New York"Very secure and responsible"
-Age 18-36, New York"Won't misguide you with illogical benefits like others do"
-Age 18-36, North Carolina"I am planning on switching over from renters to homeowners experience pretty soon because this company is so amazing and offers really good rates."
-Age 18-36, Ohio"Not at a bad cost"
-Age 18-36, Ohio"Good service, low price"
-Age 18-36, Oklahoma"They will work hard to make sure you are satisfied"
-Age 18-36, Oklahoma"Everything about them is great"
-Age 18-36, Pennsylvania"The company cares about their customers and are always there to help."
-Age 18-36, Pennsylvania"I want others to know that the insurer was friendly, and cared about me as a customer. I would happily recommend them."
-Age 18-36, Washington"Great service providers"
-Age 37-52, Arizona"It gives quality and good performance to its customers and I consider it one of my favorite companies"
-Age 37-52, District of Columbia"Easy to deal with."
-Age 37-52, Georgia"I can easily pay my premiums online with the simple steps."
-Age 37-52, Idaho"I have good experience because once my house is completely spoil by electric shot circuit then this insurance company gave me compensatation for my house with easy steps ."
-Age 37-52, Illinois"Seems they genuinely have a helping behavior"
-Age 37-52, Illinois"They are awesome"
-Age 37-52, Illinois"Very simple procedure to follow while making claims"
-Age 37-52, Illinois"Automated system was easy to navigate"
-Age 37-52, Indiana"I have had an easy time signing up and it provides all the coverage I need for a good price"
-Age 37-52, Indiana"Excellent and efficient while paying claims"
-Age 37-52, Kansas"I have good experience with this company because this company informed me about new policies and reminded me before tenewal date of premium."
-Age 37-52, Maryland"All my needs are fulfilled"
-Age 37-52, Michigan"Best price offered"
-Age 37-52, Michigan"Every staff member is polite and happy to answer your queries with enthusiasm"
-Age 37-52, Michigan"Found them learning and improving over the time and now they are the best"
-Age 37-52, Michigan"Hope the same help and guidance ahead as it's been good so far"
-Age 37-52, Michigan"Insurance company is most caring about the lives of its customers, solves different aspects of life prices are reasonable."
-Age 37-52, Michigan"It's a fine company"
-Age 37-52, Michigan"Most trusted organization in today's world of insurance in my opinion"
-Age 37-52, Michigan"Communication between insurer and agent is excellent regarding all the necessary information and things required for."
-Age 37-52, Nevada"They provide excellent customer services on their policies."
-Age 37-52, Nevada"Definitely a reliable company"
-Age 37-52, New Jersey"I got speedy service when I needed the most"
-Age 37-52, New Jersey"I have been a customer of this company for many years and haven't had any problems"
-Age 37-52, New Jersey"It is the best insurance company I've had to date"
-Age 37-52, New Jersey"One of the leading insurance company, trustworthy"
-Age 37-52, New Jersey"The premium of this company is good"
-Age 37-52, New Jersey"The plans are customized to take care of client's demand"
-Age 37-52, New Jersey"They are excellent people"
-Age 37-52, New Jersey"They don't charge you extra without any reason"
-Age 37-52, New Jersey"Very much responsive to my concerns"
-Age 37-52, New Jersey"Widely appreciated insurance company"
-Age 37-52, New Jersey"Fast and friendly service"
-Age 37-52, New Mexico"Company coverages are unique and distinguished, it protects for a variety of needed items."
-Age 37-52, New York"There are additional features for online policy buyer with prompt response and easy approach."
-Age 37-52, New York"This insurance company is one of the companies that I have been using and it has served me very well. Reputation is my favorite point, with good price and a high quality."
-Age 37-52, New York"It's an excellent company that meets the expectations of many"
-Age 37-52, New York"Process is very simple, we can easily follow what coverages we have. Safe and secure for future use."
-Age 37-52, Oregon"Good offers"
-Age 37-52, Pennsylvania"Their insurance plans are affordable and very easy to sign up for."
-Age 37-52, Texas"Best prices I can find"
-Age 53+, Arizona"Honestly wants their customer to be satisfied"
-Age 53+, Louisiana"Always goes extra mile for your satisfaction"
-Age 53+, Michigan"Claim process is easy, good price and low premium."
-Age 53+, Michigan"Company has exceeded my expectations."
-Age 53+, Michigan"Consider the advice of my agent for future purchases because he has never steered me wrong"
-Age 53+, Michigan"Best service around "
-Age 53+, Michigan"Values its customers"
-Age 53+, Michigan"Good coverage at this price is awesome"
-Age 53+, Michigan"Good policy at a fair price"
-Age 53+, Michigan"It gives reliable protection for your home and more."
-Age 53+, Michigan"It is a very good company to do business with."
-Age 53+, Michigan"Surely recommend all to take the services from this insurer"
-Age 53+, Michigan"They want to protects customer home so it always feel like home."
-Age 53+, Michigan"I am delighted with my customer experience from this company"
-Age 53+, New Jersey"Helped me choose the best policy by keeping all the obligations at one side and all the benefits at the another side"
-Age 53+, New Jersey"Great coverage options"
-Age 53+, New Jersey"Straightforward approach makes them reliable"
-Age 53+, New Jersey"The perfect place today to join and get good coverage and good prices"
-Age 53+, New Jersey"They easily resolve my issue; I'd recommend them"
-Age 53+, New Jersey"They work for you and with you"
-Age 53+, New Jersey"They pay fairly, and are fast."
-Age 53+, New York"Completely satisfied as my expectations are fulfilled"
-Age 53+, North Carolina"Courteous behavior of the staff is a plus"
-Age 53+, North Carolina"Exceptional service, easy approachable employees and simple claim process."
-Age 53+, North Carolina"Prices are good, easy to reach and claim process is easy."
-Age 53+, North Carolina"Clarified my doubts in best possible way and I feel protected"
-Age 53+, South Dakota"Give them a thumbs up"
-Age 53+, South Dakota