Last Updated: 04/18/2025
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Community Rating
Strongly recommended
Financial Strength Rating
A(Verified 04/18/2025)
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Electric Insurance Home Insurance Review
Electric Insurance Home Insurance is an insurance carrier based in Beverly, MA. The company was founded in 1966 and offers home insurance in 50 states (and Washington, DC).
Electric Insurance Home Insurance FAQ
What is the financial strength rating of Electric Insurance 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.
Electric Insurance Home Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.
What types of coverage does Electric Insurance 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. Electric Insurance 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.
Electric Insurance 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.
Electronic Data recovery insurance:
This is the most surefire coverage option for businesses. Electronic data loss insurance is configured specifically for businesses that rely on data. This insurance may also cover the costs associated with downtime that occurs due to data loss.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Personal Injury Liability Coverage:
This protects you against bodily injury and property damage for which you or the residents of your home are responsible.
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.
Watercraft Coverage:
This rider provides protection from liability and damages caused by a boat. This may be enough if you have a small boat or if you only use it on your property. However, you may want to consider a separate boat insurance policy for larger boats and longer trips.
Yard and Garden Coverage:
This endorsement offers expanded coverage for items like trees, landscaping, tools, and riding lawnmowers.
How can you save money on a Electric Insurance Home Insurance home insurance policy?
These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Recent Home Improvements / New Roof
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Electric Insurance Home Insurance.
What additional benefits does Electric Insurance Home Insurance offer?
Electric Insurance Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
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.
Hours of Operation
SundayClosedMonday8:00AM - 7:00PMTuesday8:00AM - 7:00PMWednesday8:00AM - 7:00PMThursday8:00AM - 7:00PMFriday8:00AM - 7:00PMSaturdayClosed
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Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- 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 +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Electric Insurance Home Insurance Community Reviews
Would you recommend Electric Insurance Home Insurance to your friends?
MS
Marion S.
Nov 30, 2022
Would Recommend
This insurance program is excellent; It offers many discounts and a loyalty program. They have a lot of coverage, and with all the values, that helps, especially the 24/7 help.
RM
Rasheed M.
Nov 28, 2022
Would Recommend
Stress no more, for the past years this is the best insurance firm so far. They are incredible , fast, reliable, upright in there dealings. Insured my property with them and was effectively taken care of when the unprecedented happened. The 24 hours services left my mouth agape, they are super amazing. Saving is not only limited to banks, this is the best place to insure and save. Join the ...Show More
MC
Mazhar C.
Nov 25, 2022
Would Recommend
Electric Insurance is a knowledgeable and caring company. They have great customer service and offer a wide variety of coverage options. They have competitive rates and even offer a new customer discount.
JC
Jessica C.
Nov 9, 2022
Would Recommend
Electric Insurance is a knowledgeable and caring company. They have great customer service and offer a wide variety of coverage options. They have competitive rates and even offer a new customer discount.
LR
Lily R.
Jun 30, 2022
Would Recommend
Electric insurance home insurance is newer to the field but they’ve quickly become my go to insurance company when asked for recommendations!! They have the best rates and most reliable customer service team! I recommend them to anyone looking for an insurance company.
Showing 5 of 5 reviews