Last Updated: 04/18/2025
SuperMoney User Recommendation Score +83
Strongly recommended12 total votes
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A(Verified 04/18/2025)
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Number of Reviews
21st Century Home Insurance Review
21st Century Home Insurance is an insurance carrier based in Wilmington, DE. The company was founded in 1958 and offers home insurance in 48 states (and Washington, DC).
21st Century Home Insurance FAQ
What is the financial strength rating of 21st Century Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
21st Century Home Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.
What types of coverage does 21st Century Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. 21st Century Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Medical Payments to Others:
This helps cover the medical costs of visitors who are injured on your property. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This coverage protects the items in your home, like your furniture. If they're damaged or stolen, personal property coverage could help you cover the cost of replacing them.
Loss of Use Coverage:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
21st Century Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage (state-dependent):
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Sewage and Drain Backup Coverage:
This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
How can you save money on a 21st Century Home Insurance home insurance policy?
These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Deadbolt Locks on Exterior Doors
- Fire Extinguisher in the Home
- Home Monitoring System
- Fire Station within 5 Miles
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with 21st Century Home Insurance.
What additional benefits does 21st Century Home Insurance offer?
21st Century Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Availability
Available in 48 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +83, or 4.7 on a 5-point rating scale.
+83
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
21st Century Home Insurance Community Reviews
Would you recommend 21st Century Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
Would Recommend
21st Century Home Insurance offers excellent coverage at competitive rates. When receiving quotes or asking questions their customer service people were polite, very knowledgeable about specifics of each policy and more than willing to go out of their way to help. I highly recommend giving them the opportunity to give your a quote on your needed coverage
LR
Lily R.
Jun 30, 2022
Would Recommend
21st century home has the widest range of coverage out of every insurance company I’ve ever been with! I’m so glad I choose them, their customer service is outstanding and always quick to help!! Most important they work with your budget.
CR
Customer R.
Apr 17, 2022
Would Recommend
I have had 21 Century Insurance for both home and auto. I will tell you; I was not a fan of their auto insurance. It was not cheap, and I have found better options, but I am pleased with the homeowner's insurance they provided me.
Andrew H.
Aug 12, 2021
May or may not recommend
Comparable coverages and rates to any other major provider. All comes down to personal preference.
Originsand T.
Jul 29, 2021
May or may not recommend
I think that it depends on the customer service of these companies because they basically offer similar rates with similar features.
A P.
Jul 22, 2021
Would Recommend
21st Century Home Insurance offers excellent coverage at competitive rates. When receiving quotes or asking questions their customer service people were polite, very knowledgeable about specifics of each policy and more than willing to go out of their way to help. I highly recommend giving them the opportunity to give your a quote on your needed coverage.
DR
Devine R.
Jul 14, 2021
Would Recommend
Great company. I used to have home insurance with them as far as customer service orientated they were very honest. They have always been friendly, and I have had a friend have a claim that has went through without any sort of problems.
SC
Shoane C.
Jun 28, 2021
Would Recommend
I can honestly say that I have personally been using 21st Century Home Insurance for about 5 years now, and they have yet to let me down. From there customer service, to there skills, and professionally staff, they are the best. Most likely, your home is your biggest investment, so shouldn't you protect it with the same level of quality insurance that you do your automobile with 21st Century Home Insurance. ...Show More
AO
Adebola O.
Jun 14, 2021
Would Recommend
One of the best I've seen so far. Their offer is great and they have good customer care service. I will choose them over and over again
GT
Glenda T.
Jun 10, 2021
Would Recommend
21st Century has a very good product at an affordable price. The available policies are competitive with major insurance providers.
OB
Olivia B.
Apr 9, 2021
Would Recommend
Joshua was my agent at 21st Century Home. He was very nice and knowledgeable. Joshua explained my house insurance policy in a way I was able to understand it and he allowed me to ask questions on items I needed some explanations. I will refer him to my friends if needed. Later on, I will call him back for my car insurance. I did not take my car insurance at ...Show More
HW
Holly W.
Feb 26, 2021
Would Recommend
I had a great experience with their customer service when I had a few questions before getting this insurance for my employees - can’t say enough good things!!!
Showing 12 of 12 reviews