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Last updated on Oct 10, 2019

Esurance Homeowners Insurance Review

Simple and useful online resources but disappointing customer satisfaction scores ​
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4 features evaluated

3 competitors compared

5 ratings reviewed

Samantha Kostaras

By Samantha Kostaras Insurance Writer

Samantha Kostaras is an Insurance Writer for Reviews.com where she covers everything about making sure you’re covered. With a background in both finance and writing, Samantha enjoys helping readers make informed decisions about their insurance. Her favorite service she’s subscribed to is Spotify Premium which she uses to binge news, science, and personal finance podcasts.

Esurance Homeowners Insurance Review

Esurance is owned by Allstate, the fourth largest property and casualty insurer by market share in the United States, and pairs the innovative spirit of a tech company with the financial strength of a major insurer. Esurance was one of the first companies to take the insurance process online, so it’s no surprise that it excels in online tools and experience.

If you’re a new insurance buyer, or looking to handle the insurance process by yourself, Esurance offers user-friendly tools and extensive online resources to help you choose the coverage that’s best for you. Filing a claim is also simple to do online or on their app. However, Esurance seems to fall short when it comes to customer satisfaction, which is something important to consider when weighing this convenience and the discounts they provide.

Esurance Homeowners Insurance Overview

  • In business since: 1999
  • A.M. Best financial strength rating: A+
  • Policy types: homeowners, renters, condo
  • Backed by the financial strength of Allstate
  • Useful online tools
Property Damage Fires or lightning Windstorm Theft/Vandalism
Personal Property At home: 40-75% of coverage limit Away from home: 10% of coverage limit
Living Expenses 12-24 months at 10% of coverage limit
Default Family Liability $100,000
Optional Coverages Identity theft protection* Rental income protection* Extended premises* Building codes coverage*
Notable Discounts DIY Home Inspection Home Safety Smoke-free New Home

*availability varies by state


Esurance Home Insurance’s Claim

The Esurance website promises: “Insurance that’s simple, transparent and affordable.” Or, as their commercials like to summarize, insurance that’s “surprisingly painless.”

Is it true?

Most of it, yes. Let’s break it down by category:

Simple – The Esurance quote process can be completed entirely online by answering basic questions, or you can call in to talk with a representative. Claims can also be easily started online, on the mobile app, or over the phone.

Transparent – Esurance has a great library of content explaining insurance terms and concepts, and does use accessible language. But one of the common complaints about insurance generally is its lack of pricing transparency. While Esurance has rolled out a few tools over the years to increase transparency in their car insurance rates, we couldn’t find a homeowners equivalent.

Affordable – Rates will vary depending on your situation. If you already hold your car insurance through Esurance, you may be able to save by bundling your policies. While Esurance does offer a strong array of 12 discounts, it didn’t make the cut for our Best Cheap Homeowners Insurance Companies.

Esurance Home Insurance’s Features

Simple DIY quotes

Esurance has obviously put a lot of effort into making sure its products are easily accessible and manageable online. Not only are you able to get your insurance coverage entirely online, but you’re also able to file claims 24/7 online or on their app. While you have the option of speaking with an agent on the phone, those looking for a DIY experience can do it all online.

Useful online tools

Esurance was designed for an online environment, so it’s fitting that it stands out among insurers when it comes to online tools. The website is modern, easy to navigate, and offers helpful tools like a home insurance calculator. Another unique tool is Esurance’s DIY Home Inspection App®, which allows you to skip the traditional home inspection by submitting videos and receiving a discount.

Possible Drawbacks

Customer complaints

Esurance’s quotes and tools may be user-friendly, but it doesn’t have a clean bill when it comes to overall customer experience. Esurance’s NAIC customer complaint ratio, which compares a company’s complaints to its market share, is three times higher than average. NAIC results were dominated by complaints in the delays and cancellation categories, while BBB complaints referenced problems related to the product and billings/collections issues.


Esurance will help you find a homeowners policy no matter where you live, but Allstate may not be the ones underwriting it. Depending on your location, you may be redirected to a partner site, such as Hippo, to complete the quote process. These are all trusted partners of Esurance, but you’ll want to make sure you understand the unique advantages and disadvantages to buying insurance through that company.

Esurance’s Competition

[sc_module feature=”insurance_monetization_widget” id=”258511k1l7dw2c”]
Esurance Lemonade Geico Amica
Our review Our review Our review
A.M. Best financial strength rating A+ n/a A++ A++
NAIC customer complaint ratio Above average Below average Below average Below average
Online resources
24/7 support
Get quotes Get quotes Get quotes Get quotes

Esurance vs. Lemonade

Esurance was one of the first insurance companies to sell insurance policies directly to consumers online, and now Lemonade is taking insurance and technology a step further. One major difference between these insurance innovators is that Esurance has agents available over the phone, while Lemonade does not. Both Lemonade and Esurance have great apps for managing claims, although Esurance also gives you full access to manage your policy online, too. Another important distinction is Lemonade’s unique program to give back any unused premiums to charity.

Esurance vs. Geico

Esurance has a reputation for being online-based and has strong digital resources, but Geico is investing heavily in user-friendly technology. In fact, Geico earned the #1 spot in the J.D. Power Digital Experience Survey for service (this survey did not include Esurance). Like Esurance, Geico also uses other companies to underwrite their homeowners insurance policies, but unlike Esurance, which serves some regions directly, Geico will always route you to its partner companies.

Esurance vs. Amica

If your situation requires personalized coverage, or if stellar customer service are important to you, it may be worthwhile to get a quote from Amica, one of our top picks for the Best Homeowners Insurance Companies. While Amica is lacking when it comes to online resources, it certainly makes up for it when it comes to outstanding customer satisfaction.

Esurance Home Insurance FAQ

Can I get Esurance through an agent?

Yes. Although Esurance does not have any locations to meet an agent in person, they do have agents available by phone.

Can I cancel my Esurance policy?

You can cancel your policy through Esurance, but there is typically a $50 cancellation fee. In some cases, however, this fee may be up to 10% of your premium.

Are Esurance and Allstate the same company?

Esurance is a separate company, but it is owned by Allstate. All Esurance policies are underwritten by Allstate.

Esurance Homeowners Insurance: The Bottom Line

If you’re looking for straight-forward coverage and DIY policy management, Esurance is a great company to request a quote from. Depending on where you live, you may be able to get your homeowners insurance directly through Esurance, or you may be directed to one of its partners’ sites. When weighing the discounts and simplicity available with Esurance, keep in mind that customer complaints have indicated that it may not be as reliable of a provider.