Homesite Insurance Reviews

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About Homesite Insurance

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Homesite works with its own customers and those referred from other companies, including Progressive. Homesite’s base plan is a good choice for homeowners seeking affordable coverage. Optional add-ons round out coverage for those needing more. Homesite has a strong financial strength rating from AM Best.

Pros
  • Financially secure
  • Helpful customer service
  • Affordable options
Cons
  • Base coverage lacking

Helpful Reviews

Saint Charles, MO
Verified purchase
This is the worst Insurance company out there! Don't do business with Progressive or Homesite!!!! Progressive Home, by Homesite automatically renewed our policy for $20,058.00 ann...

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Lancaster, SC
Verified purchase
We have Progressive Home by Homesite. Last year 2025 we received notification that we needed a new roof and remove existing siding and replace with new or they were going to cance...

Read more

What is Homesite Insurance?

Homesite Insurance sells home insurance policies to customers across the United States. Homeowners who purchase a home insurance plan through Homesite are covered in case of specific damages to possessions or a home’s physical structure. Homesite’s insurance tends to cost less than other companies’ policies, but the base plan doesn’t include as much coverage.

Homesite homeowners insurance cost

Most Homesite homeowners insurance plans range from $900 to $1,900 a year. Quotes differ based on the value of the policy, the location of the covered home and the amount of coverage.

Homesite's homeowners insurance is generally cheaper than its competitors’ policies. This makes it a good choice for those looking to protect their home without breaking the bank.

Homesite insurance premium examples

Policy valueAnnual premium
$75,000$900
$150,000$975
$200,000$1,150
$350,000$1,900

What does Homesite homeowners insurance cover?

One option with Homesite is to purchase the base package. This attracts customers who are obligated to have homeowners insurance and want an affordable option. The basic homeowners policy from Homesite covers:

  • Dwelling coverage: This covers damage to the physical structure of a home from covered events, including windstorms or hail.
  • Personal property coverage: This covers your belongings inside and outside your home, including appliances, furniture, clothing and electronics. If they are damaged, destroyed or stolen, Homesite covers them.
  • Loss of use coverage: If your home must undergo repairs and it becomes uninhabitable, this coverage pays for hotel rooms, restaurant meals and alternative transportation.
  • Personal liability coverage: If someone injured on your property files a lawsuit against you, this covers legal fees.
  • Medical payments for guests: If a guest is injured on the property, this coverage pays for medical bills.

Homesite has optional add-ons, also known as policy riders or endorsements. Add-ons increase the price of premiums, but they also increase your coverage.

  • Identity theft: If your identity is stolen, this coverage pays for relevant legal fees.
  • Valuables: Additional coverage exists for high-worth valuables, such as expensive jewelry and art.
  • Personal injury protection: This pays for legal fees associated with invasion of privacy, libel and slander.
  • Service line breakdown coverage: This coverage is often necessary for customers who own a service line.
  • Sump pump overflow coverage: Homesite covers repairs needed after a sump pump overflows.

Homesite homeowners insurance discounts

Homesite offers discounts that lower premiums, including:

  • Home alarm discount: Homes with a smoke or fire detector or a home security system qualify for a reduction in premiums.
  • Age-related discount: Customers who are older than 55 and living on a fixed income pay less for policies.
  • Home age discount: Newer homes are eligible for a discount.
  • Bundled insurance: Bundle auto and home insurance with Homesite for reduced premiums.

Homesite homeowners insurance FAQ

Is Homesite Insurance part of Geico?

No, but GEICO and several companies offer homeowners insurance through Homesite.

Does Homesite offer other insurance options?

Yes, Homesite sells home, condo, renters, auto, life, commercial and flood insurance. Customers with more than one insurance plan from Homesite bundle them for a discount.

How do I file a claim with Homesite?

To file a claim, call Homesite directly or fill out its online claim form.

Does Homesite choose the contractor for repairs?

No, customers choose the contractor, although Homesite sometimes makes recommendations.

Still have questions?

Is Homesite Insurance good?

Overall, Homesite is a good choice for homeowners insurance. Its base plan is affordable, though it lacks some basic coverage that most other home insurance companies include. Customers unhappy with this can enroll in the necessary add-ons. Although reviews vary, many note that customer service is friendly and helpful.

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Homesite Insurance Reviews

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    Page 1 Reviews 0 - 10
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    Customer ServiceCoverageSales & MarketingPriceOnline & AppMaintenanceStaffBillingRatesHonesty & Transparency

    Reviewed May 31, 2026

    Honestly was excited to switch to this home insurance. Better coverage for less price. But good God, they are such a pain in the ass to pay. It has been six months of having to call them to pay every month. I keep hoping it will finally be fixed each month, and lo and behold, the due date comes around, I can't get in to pay on the app, site, or set up auto pay because some dingus did not set ME, the one who initiated and purchased the friggin policy, as the primary policy holder. I've brought it up to GEICO and Homesite now SIX times, and I have gotten brushed off by a dozen reps between the two companies about the issue with vague promises that someone is aware of it and it should be fixed soon enough.

    I know what you're thinking, is it really that big of a deal to have to call to pay your bill? Yeah, it is, because their awful automated services refuse to connect to a human without jumping through a bunch of hoops and half the time reroute you to a new automated service or the wrong human. How such a massive insurance company manages to have such unintuitive and even broken services truly baffles me. Save yourself the headaches and just pay extra for similar coverage from a company you won't have to practically beg to take your freaking money.

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    CoverageMaintenanceStaffHonesty & Transparency

    Reviewed May 29, 2026

    Beware of Homesite. They will only cover a new roof if ALL tiles are replaced regardless if they are broken or not. I would shop around for a more honest and eco friendly company. Plus their policy creates a huge amount of waste and is not environmentally friendly.

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      Tech

      Reviewed May 21, 2026

      I received a notification about repairs needed to be done to my house. I contracted a construction crew. Had all repairs made and sent photographs for proof. I contacted Homesite and asked if we was okay and they had no answers for me. I contacted them 2 more times. Still they have no answers for me. This is not a game that I want to play. Having done research I have heard of many other homes customers with lots of complaints.

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      Customer ServiceCoveragePricePunctuality & SpeedRefunds & PayoutsStaffBillingRatesResolution

      Reviewed May 8, 2026

      Homesite is truly the worst insurance company I have ever encountered. I got them through GEICO. After one year they jacked up my price by $700 and then again by $600 for a total of $1300 over the original quoted price with no claims whatsoever, they just wanted more money. So naturally I canceled the policy and they said that they would send my refund on a specific date. That date came and went and a month later still no refund. When I called in to check what happened, they said that they refunded it to a credit card ending in a certain number and that I was the owner of that credit card. I don’t own that credit card, my payments are made through an escrow account from my bank. When I called my bank they said they did not know what that credit card is, and that they had not received the refund. They never use credit cards and usually use EFT or wire to send insurance payments.

      So Homesite fraudulently claimed that they sent me a refund to a credit card that I don’t own, and that was never used in the initial payment, and then refused to address the issue. They said that there was nothing they could do about it because the payment was already sent to that card. They sent my refund to a non-existent credit card number! and refused to address it until I requested a fraud investigation. This took a lot of time out of my days requiring multiple calls into the company with agents that were not helpful to try and get it resolved. It also meant that my escrow had two insurance payments simultaneously, and my mortgage stayed at a higher level because of this fiasco. THIS COMPANY WAS LEGIT TRYING TO STEAL MY REFUND OF $1200. Very shady practices, stay away from them!

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      Customer ServiceCoverage

      Reviewed April 29, 2026

      I recently had a hailstorm ravage my home. In one of my policy’s renewals within the past few years, Homesite snuck an amendment in that excludes “cosmetic” damage. This was not a part of the original policy that I enacted, but they took it upon themselves to add it without calling attention to it. They may be within their rights to do this in my state, but it is an incredibly shady practice. The exterior of my home is mangled, and they are covering next to none of it.

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      Customer ServiceCoverageSales & Marketing

      Reviewed April 20, 2026

      Paid through my insurance, they claim I have not. When I called them they for some reason instead transferred me to some sales pitch for the save life buttons for the elderly. They cancelled my account and sent me to collections with a letter... but won't answer their phones. So done with them.

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      CoverageBilling

      Reviewed April 18, 2026

      My mom had renters insurance through Homesite via Geico. She passed away 2 months ago and I have been trying to cancel her policy. I was told I had to submit an executor paperwork saying I had authority to cancel this policy! I submitted a death certificate and trust paperwork but they said that wasn't enough to give me the authority to cancel her policy! I needed signed executor paperwork. My mom had a living trust that put my brother and I as executors of this. I think it's pretty ridiculous that I had to have paperwork to cancel a renter's insurance policy when I've canceled her medical insurance, four credit cards and dealt with life insurance and didn't need all of this information. Added grief after losing my mom. Lesson learned with this company.

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      Customer ServicePricePunctuality & SpeedBilling

      Reviewed April 10, 2026

      WORST experience ever. On the phone with Homesite for 51 minutes to set up autopay. They couldn't do it. If I try and do it online, they charge me an extra payment and never tell me it cannot be done using a credit card. Run away fast from this company until they get their ** together!

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      Customer ServiceStaffTransparency

      Reviewed April 9, 2026

      The worst customer service ever! I called to update my policy and from the start Olivia the phone rep was extremely rude, with attitude and so unprofessional. When I asked to speak to someone else that could assist me with a better attitude, she screamed at me saying she wasn't giving me attitude and said no. She then hung up on me. I called back and cancelled my policy. Awful, rude and ignorant people should not be assisting the public.

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      Customer ServiceCoverageTechPunctuality & SpeedCommunication

      Reviewed April 8, 2026

      Avoid Progressive/Homesite homeowners insurance. Their inspection report contained obvious errors and customer service was completely unhelpful when I called multiple times asking for clarification. Months later they issued a non-renewal based on that same questionable inspection. To make matters worse, a claim was opened on my policy without my knowledge by an inspection vendor and only voided after I contacted the adjuster. The entire process showed poor communication, weak internal controls, and extremely frustrating customer service. I would strongly recommend choosing a different insurer.

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      Homesite Insurance Company Information

      Company Name:
      Homesite Insurance
      Website:
      www.homesite.com