Esurance, a direct-to-consumer brand owned by Allstate, was fully retired and integrated into Allstate in 2020 as part of Allstate’s Transformative Growth strategy (announcement; Allstate 10-K). As of 2025, esurance.com routes shoppers to Allstate for quotes, service, and claims. Esurance’s legacy digital strengths (fast online quoting and self-service) now live under the Allstate brand. Although Esurance is no longer an active carrier on our list of best homeowners insurance, its parent company Allstate remains the way to obtain comparable coverage and tools.
Esurance Home Insurance Overview
Important context: The Esurance brand has been discontinued; new quotes and service are provided by Allstate. For financial stability today, refer to Allstate’s ratings: major Allstate property and casualty subsidiaries carry an A+ (Superior) Financial Strength Rating from AM Best (source; see AM Best rating guide). For customer satisfaction benchmarks, consult the latest J.D. Power U.S. Home Insurance Study (1,000-point scale). For complaint levels by company and line, use the NAIC’s Consumer Complaint Index (1.0 = market median; higher indicates more complaints than expected given market share).
Allstate sells and services homeowners policies via web, mobile, and agents, with digital account tools and claim intake now replacing Esurance’s app experience (esurance.com). Core protections include dwelling, other structures, personal property, liability, and guest medical, with optional endorsements varying by state. Allstate’s current digital capabilities reflect broader industry trends such as virtual inspections, AI-supported claims triage, and instant payment options, which are increasingly common across insurers (Capgemini; McKinsey; FedNow).
Allstate confirmed in corporate filings that Esurance’s direct operations were integrated into the Allstate brand in 2020, completing the transition announced in late 2019 (announcement; SEC filing). Consumers seeking Esurance today are directed to Allstate for quotes and policy management.
PROS
CONS
What this means now: Pros like quick online quotes and digital self-service are available through Allstate, not Esurance. You can manage policies and file claims via Allstate’s website and Allstate Mobile. Financial strength should be evaluated using Allstate’s current ratings (A.M. Best A+ for major P&C subsidiaries). For a clear picture of customer experience today, review Allstate’s line-specific complaint index at the NAIC and the latest J.D. Power Home Insurance Study. Note: Esurance is not writing new policies and no longer maintains separate customer service lines; all servicing occurs under Allstate.
Esurance Highlights
Methodology
We evaluated the company based on its customer rating and experience, financial stability, and coverage. To compare Esurance with home insurance companies across the board, we calculate each Reviews.com score based on the following:
- Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings (latest studies).
- Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available.
- Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings (rating guide) and each carrier’s current ratings page when available.
- Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index (methodology).
The Competition
| Company | Reviews.com Score | AM Best Financial Strength Rating | J.D. Power Home Insurance Score (latest) | NAIC Customer Complaints |
| Esurance | N/A** | N/A (brand retired; see Allstate A+) | N/A (brand retired) | N/A — Service and complaints flow through Allstate channels |
| Geico | 2.75 | A++ | See latest study (J.D. Power) | Use NAIC CIS homeowners index (NAIC) |
| Allstate | 4 | A+ | See latest study (J.D. Power) | Use NAIC CIS homeowners index (NAIC) |
| Lemonade | N/A** | N/A | N/A in some studies | Use NAIC CIS homeowners index (NAIC) |
| Amica | 4.25 | A+ | See latest study (J.D. Power) | Use NAIC CIS homeowners index (NAIC) |
As of 2025: Esurance is retired and serviced by Allstate. For current satisfaction, use the latest J.D. Power U.S. Home Insurance Study (1,000-point scale). For complaint levels, consult the NAIC’s Consumer Information Source to retrieve each company’s homeowners complaint index (1.0 = market median). Select states (e.g., California) also publish annual complaint ratios by insurer for homeowners (example).
*Scores reflect the most recent publicly available studies and ratings at the time of publication; verify current figures at the linked sources.
**Some providers don’t have enough third-party ratings to calculate a score or are not rated in a given study/segment.
Esurance vs. Geico
Because Esurance was merged into Allstate’s direct/digital experience, the practical comparison today is Allstate vs. GEICO. Both emphasize easy online quoting, mobile apps, and digital claims. Allstate’s core P&C companies are rated A+ (Superior) by AM Best and GEICO’s core companies are A++ (Superior) (Allstate ratings; GEICO ratings). Allstate also offers usage-based programs such as Drivewise and pay-per-mile Milewise; GEICO offers behavior-based DriveEasy. For satisfaction and complaints, review each carrier’s latest J.D. Power Home Insurance score and NAIC homeowners complaint index in your state/line.
Esurance vs. Allstate
Allstate owns Esurance and retired the Esurance brand in 2020 to simplify operations and reduce costs as part of its Transformative Growth plan (announcement; strategy overview; SEC filing). Former Esurance customers now use Allstate for policy service, billing, and claims (see esurance.com). Migrated customers also adopt Allstate’s product set and discounts (e.g., Drivewise, where available). During the industry’s recent period of elevated premiums and shopping, J.D. Power reported pressure on satisfaction across major carriers; reviewing Allstate’s latest satisfaction and complaint metrics before purchase is advisable (J.D. Power context; NAIC).
The Bottom Line
Esurance no longer sells or services homeowners insurance as a standalone brand. All new quotes, policy changes, billing, and claims occur through Allstate’s website, app, and agent network. Allstate’s major P&C companies hold an A+ (Superior) AM Best rating (source), and its digital tools reflect broader industry shifts toward AI-enabled assistance, virtual inspections, and faster claim payments (Capgemini; McKinsey; FedNow).
If you’re shopping today, start with Allstate directly. Then compare against at least two other carriers and review objective metrics: the latest J.D. Power Home Insurance Study scores and your state/company homeowners complaint index via the NAIC CIS. This combination of satisfaction and complaint data, plus financial strength, provides a current, evidence-based view of service quality.
