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Esurance Home Insurance Overview

Founded in 1999, Esurance is an online-based insurance company that offers a variety of policies including plans for homeowners, renters and auto owners. Esurance is part of the Allstate empire, which has been in business for over 80 years and has over $130 billion in assets.

Esurance is based in San Francisco, California, and issues homeowners insurance policies in most states. In states where Esurance doesn’t personally underwrite policies, Esurance still displays quotes provided by Answer Financial, Inc. or Security First Insurance Company.

What Are Esurance Home Insurance’s Ratings?

When rated by independent institutions, Esurance has come out on top. The company has received an A+ rating from the BBB and an A+ from A.M. Best.

What Home Insurance Coverage Does Esurance Offer?

With Esurance, homeowners insurance policies can include the following types of coverage:

- Dwelling protection, which covers your home’s structure and other structures on the surrounding property.

- Personal property insurance, which covers your personal belongings.

- Family liability protection, which helps cover your legal liability if your negligence causes someone else to experience injury or property damage.

- Guest medical protection, which helps pay for medical bills for those who have been injured on your property.

- Additional living expense coverage, which helps pay to relocate you if a covered incident results in your home being temporarily uninhabitable.

- Optional add-on protection, which can include identity theft expense coverage and increased building structure coverage.

- Cases of fire, lightning, windstorms, explosions, smoke, snow, riots and theft.

How Does Esurance Compare with Other Home Insurance Companies?

With Esurance, you can get everything set up and taken care of online. The company offers free online quotes and an online home insurance calculator, which estimates coverage limits based on your answers to a few simple questions. With the backing of an industry leader like Allstate, Esurance is a great business to turn to.

SUPERMONEY Disclosure: 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...


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 43 states
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin

Feature Breakdown

Policy Discounts
  • Automatic Payment
  • Claims Free
  • Continuously Insured
  • Full Payment
  • Good Credit
  • Higher Deductibles
  • Loyalty / Long-Term Customer
  • Multiple Policy
  • New Customer / Competitor Transfer
  • Non-Smoker
Property Discounts
  • Alarm System
  • Home Buyer
  • Recent Home Improvements / New Roof
  • Home Monitoring System
  • Smoke Detectors
Home and Renters Insurance Riders
  • Earthquake Coverage
  • Electronic Data Recovery Coverage
  • Flood Coverage (Federal)
  • Identity Theft Protection
  • Sewage and Drain Backup Coverage
  • Valuable Items
  • Yard and Garden Coverage
Financial Strength Rating
  • A+
Loyalty Program  
Claim Forgiveness  
Available 24/7 by Phone  
Reimbursed Living Expenses  
Personal Belongings  
Home and Renters Insurance
  • Dwelling Coverage
  • Guest Medical Protection
  • Liability Coverage
  • Other Structures Coverage
  • Personal Property Protection
  • Reimbursed Living Expenses



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