Esurance Homeowners Insurance Review

Not only does Esurance offer a broad range of potential discounts on both home and auto insurance, the company also has a user-friendly app that makes it a breeze to submit a claim.

J.D. Power Rating
AM Best Rating
Standard & Poor’s
4.3 / 5.0
SimpleScore Esurance 4.3
Discounts 5
Coverage Options 3
Customer Satisfaction N/A
Support 5
Accessibility 4

Esurance promises multiple types of discounts for homeowners insurance, including a $50 decrease if you perform a DIY inspection using their app. It also claims major savings if you bundle your Esurance home insurance with an auto package. If you prefer a digital experience that’s fast and pain-free, Esurance homeowners insurance could be an ideal option for you.

In The News
  • Yahoo! Finance reported in September 2019 that in preparation for disaster season, Esurance is a leader in making the claims process as easy as possible for policy holders. “Esurance is making auto and home insurance surprisingly painless, and that includes ensuring consumers have the information and the coverage they need to be properly protected,” said Yahoo! Finance. Helpful tools include offering photo claims, a coverage counselor and an easy mobile app.
In this article

    The Specs

    PriceVaries by location, home details and coverage level
    Best forThose who want a variety of add-on coverage options
    Not forThose who prefer a non-digital experience
    States servedAll but Montana, New Hampshire, Vermont and Wyoming
    DiscountsDIY Inspection App
    Burglar Alarm
    Smoke Detector
    Water Safety System
    Storm Shutters
    Hail-Resistant Roof
    A.M. Best RatingA+
    Standout features24/7 claims reporting
    Variety of discounts available

    Find the Best Home Insurance

    Save money on home insurance with our simple comparison tool.

    Matching you with providers.
    We found results in
    Click at least 2-3 companies to find the very best rate.

      Powered by (NPN: 8781838)

      America’s top-rated home insurance

      • Policies starting at just $25/month
      • Sign up in seconds, claims paid in minutes
      • Zero hassle, zero paperwork

      The Claim

      You can get an automatic $50 discount using the DIY Home Inspection app, although the price reduction only applies to your first term. Esurance also breaks down the potential for savings into two categories: home safety features and policy-based discounts.

      Working systems like burglar alarms and smoke alarms can potentially save money, as can storm shutters, a hail-resistant roof and going a year without making a claim.

      You can also qualify for policy discounts if your home is new construction or if you opt into auto-pay on your plan. Some of Esurance’s advertised discounts use vague language implying that they’re not guaranteed and some even seem conflicting. For example, there’s a “Welcome Home” discount potentially applied to the first two years of your policy, but also a “Loyal Customer” discount that might be applied when you renew.

      Just how much all of these potential discounts end up saving you in reality can only be seen when you compare Esurance to other offers.

      Our Deep Dive

      • Additional Living Expenses Coverage: This feature covers the cost of your accommodations in case your home is temporarily unlivable due to a covered incident.
      • Other Structures Protection: Include anything that’s not attached to your home, like a free-standing garage or shed, in your standard policy.
      • Water Back-up Coverage: This doesn’t include flood insurance, but it does cover your home for damage caused by burst pipes or overflowing drains.
      • Medical Coverages: Esurance homeowners insurance comes with guest medical coverage up to $5,000 in case someone gets hurt on your property.
      • Family Liability Protection: Also included is default personal liability protection up to $100,000 or you can add more. The money can help pay for your legal defense if someone sues you after getting hurt on your property or if you damage someone else’s property.
      • Fire Department Charges Coverage: If you ever need help from your local fire department and are charged a fee, it’ll be covered by your policy.
      • Esurance Mobile App: You can file a claim anytime of day or night through the convenience of the Esurance app.
      • Home Insurance Calculator: Before you get a quote on your Esurance home insurance, figure out how much coverage you really need.
      • Add-on Policies: Get additional coverage with a la carte options such as identity theft expense coverage, fair rental income protection and building codes coverage.

      Cost Rundown

      All insurance carriers create a customized policy package for each individual applicant. Your quote is based on a variety of factors, including the details of your home, your own credit history and where you live.

      In addition to basic coverage, you may also opt to add on extra policies that increase the cost. Flood and earthquake coverage, for instance, can protect you if you live in an area prone to these issues. Alternatively, if you have a large amount of outbuildings on your property or rent some or all of your space, extra coverage is also ideal.

      Cheaper (or Free!) Alternatives

      If there’s one thing Esurance is known for, it’s the amount of available discounts. The only catch is that there is no guarantee that you’ll qualify for each one. According to customer reviews, however, Esurance quotes are among the lowest out there, so clearly the variety of ways to save can really work out to your advantage.

      Here are some other ways you can save on your homeowners insurance:

      • Compare offers closely. Different companies have different criteria and coverage. Shop around to find the one that’s not just cheap, but gives you the right amount of coverage for your home and circumstances.
      • Maximize your discounts.Check out Esurance’s discounts carefully to make sure you’re benefiting from them as much as possible. Simple measures like installing smoke detectors or a burglar alarm can keep you safe and save you money.

      Find the Best Home Insurance

      Save money on home insurance with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        Powered by (NPN: 8781838)

        America’s top-rated home insurance

        • Policies starting at just $25/month
        • Sign up in seconds, claims paid in minutes
        • Zero hassle, zero paperwork

        The Competition

        Farmers: Although Farmers is known for a strong customer experience, this carrier only earned average ratings across all categories in the J.D. Power 2019 U.S. Home Insurance Study. Esurance isn’t ranked in the survey, but its parent company, Allstate, also maintained average rankings. Thanks to the Esurance app, it would be interesting to see how this tech-friendly arm matched up against its competitors.

        USAA: USAA ranks above average across all categories, including price and policy offerings. The company offers hyper-specific plans designed for a number of property types, including condos, mobile homes, valuable personal property and farms and ranches.

        Nationwide: Despite having a large presence, Nationwide ranks among the lowest home insurance companies in the J.D. Power survey. Its lowest-ranking categories include price, billing process and interaction.

        Erie Insurance: This is another stand-out insurance company, scoring among the highest in the J. D. Power survey. They also have a great online presence, from helpful blog posts to real-life stories of extraordinary circumstances faced by their customers.



        The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
        For every review, our editorial team:

        • Identifies five measurable aspects to compare across each brand
        • Determines the rating criteria for each aspect score
        • Averages the five aspect scores to produce a single SimpleScore

        Here’s a breakdown of the five aspect scores and their rating criteria for our reviews on home insurance.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.


        We looked at the number of discounts each company offers – more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that offer more coverage options.


        We awarded higher scores to companies with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Home Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)


        We looked at the level of accessibility of each company – the more resources they have the higher their score

        Lauren Ward

        Contributing Writer

        Lauren Ward is a personal finance writer living in Virginia’s Blue Ridge Mountains with her husband and three children. In her spare time she enjoys board games and gardening.