Last Updated: 04/18/2025
SuperMoney User Recommendation Score +80
Strongly recommended10 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
Elephant Insurance Homeowners Insurance Review
Elephant Insurance Homeowners Insurance is an insurance carrier based in Henrico, VA. The company was founded in 2009 and offers home insurance in 50 states (and Washington, DC).
Elephant Insurance Homeowners Insurance FAQ
What is the financial strength rating of Elephant Insurance Homeowners 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.
Elephant Insurance Homeowners Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.
What types of coverage does Elephant Insurance Homeowners 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. Elephant Insurance Homeowners 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.
Elephant Insurance Homeowners 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.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
What additional benefits does Elephant Insurance Homeowners Insurance offer?
Elephant Insurance Homeowners Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
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.
Hours of Operation
SundayClosedMonday8:00AM - 9:00PMTuesday8:00AM - 9:00PMWednesday8:00AM - 9:00PMThursday8:00AM - 9:00PMFriday8:00AM - 9:00PMSaturdayClosed
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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 +80, or 4.6 on a 5-point rating scale.
+80
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Elephant Insurance Homeowners Insurance Community Reviews
Would you recommend Elephant Insurance Homeowners Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
Would Recommend
I would definitely recommend them. They have good rates and policies. Reliable and fast service and offering coverages for things many insurance companies usually don't in such rates.
Aileen N.
Sep 20, 2022
Would Recommend
Excellent rates and good costume service and fast, good rates, I recommend it!
RL
Rin L.
Sep 3, 2022
Would Recommend
My review is based on what I see from description of the card.
DH
Denicki H.
Aug 18, 2022
Would Recommend
They had a lot of different policies that I don’t always see when I’m looking to get home insurance. I was able to get ahold of customer service very easily and wasn’t put on hold a ton. Overall, a great experience
Huda A.
Jul 22, 2022
Would Recommend
I would definitely recommend them. They have good rates and policies. Reliable and fast service and offering coverages for things many insurance companies usually don't in such rates.
Omar Pacifico C.
Jul 12, 2022
Would Recommend
excellent customer service experience. attentive and professional; working hard on details to give me the best deal possible. I like their Damaged or destroyed property policy.
LR
Lily R.
Jun 30, 2022
Would Recommend
Elephant insurance is the only insurance my family and I trust. They have the best rates, fast, reliable customer service and are taking over the insurance market!!
MB
Matt B.
Jun 29, 2022
Would Recommend
I HIGHLY recommend Elephant Insurance because the rates equal the service. 24/7 phone availability, free cancellation (if I ever need it), and I don't have to worry if they cover me in a different state.
RF
Robelys F.
May 22, 2022
Would Recommend
They have really smart representative I had a problem with my car and they resolve it
MH
Merrie H.
Mar 15, 2019
Would not Recommend
I had a policy with Homesite Insurance, a branch of Elephant. I decided to change my insurance companies. Homesite owes me a refund of $454 which they have NOT reimbursed me. They are giving me all these explanations, e.g., they sent me a check but somehow got lost in the mail; now they are telling me that I should receive a check by March 22. I ...Show More
Showing 10 of 10 reviews