Last Updated: 04/18/2025
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Mostly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
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Esurance Home Insurance Review
Esurance Home Insurance is an insurance carrier based in San Francisco, CA. The company was founded in 1999 and offers home insurance in 43 states in the USA.
Esurance Home Insurance FAQ
What is the financial strength rating of Esurance 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.
Esurance Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.
What types of coverage does Esurance 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. Esurance 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.
Guest Medical Protection:
This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. 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 insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.
Reimbursed Living Expenses:
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.
Esurance Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage:
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.
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.
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 Esurance Home Insurance home insurance policy?
When you ask for a quote with Esurance Home Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.
- Alarm System
- Home Buyer
- 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 Esurance Home Insurance.
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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.
Message from our editor
What We Love About Esurance Home and Renters Insurance
Esurance offers both home and renters insurance so everyone can make use of their services. The company also offers some features that can be hard to find elsewhere, such as water backup coverage and coverage of fire department charges. Esurance also has a variety of optional features available so customers can tailor their insurance to meet their specific needs.
What Could Esurance Do Better?
Unfortunately, Esurance doesn’t offer renters and homeowners insurance in every state so not everyone can make use of it. It also may not be the best option for coverage for every person, depending on specific requirements. Many different factors go into pricing homeowners and renters insurance from Esurance so it’s not going to have the lowest rate for everyone.
Esurance Backstory
Esurance was founded in 1998 and was one of the first insurance companies to offer a fully online purchasing experience. The company was acquired by Allstate in 2011, which added better financial backing so the business could continue to build its presence on the Internet. Esurance offers a variety of types of insurance with different discounts, rates, and features to meet the needs of many types of customers.
The Verdict
The homeowners and renters insurance from Esurance may be the right option for some consumers. Keep in mind that not all states have access to Esurance insurance so you will instead be referred to a partner company to access policies. One of the things going for Esurance policies is that they often include extra features to protect homeowners and renters in emergencies.
The best way to determine whether Esurance renters or homeowners insurance is right for you is by applying for it and several other company’s insurance offerings. This will give you an idea of who has the features you need at a price you can afford. It’s best to consider three to five other companies before deciding one is the best for your needs.
Hours of Operation
Sunday
6:00AM - 12:00AM
Monday
6:00AM - 12:00AM
Tuesday
6:00AM - 12:00AM
Wednesday
6:00AM - 12:00AM
Thursday
6:00AM - 12:00AM
Friday
6:00AM - 12:00AM
Saturday
6:00AM - 12:00AM