Homeowners of America Insurance

Homeowners of America Insurance Review

Homeowners of America Insurance is an insurance carrier based in Irving, TX. The company was founded in 2006 and offers home insurance in 50 states (and Washington, DC).

Homeowners of America Insurance FAQ

What is the financial strength rating of Homeowners of America 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.

SuperMoney does not have enough data to provide a financial rating for Homeowners of America Insurance.

What types of coverage does Homeowners of America 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. Homeowners of America 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.