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homeowners insurance claims

It's hard to imagine anything happening to your home or the valued possessions inside of it. But if that unexpected and unfortunate day ever comes, here's how to get in touch.

homeowners insurance claims contact info

For policies underwritten by Esurance

File a claim by phone: 1-800-ESURANCE (1-800-378-7262)

Hours: 24 hours a day, 7 days a week

For policies underwritten by other companies

Phone: 1-888-825-9763 (24 hours a day, 7 days a week)

Phone: 1-877-428-8651 (24 hours a day, 7 days a week)

Security First
Phone: 1-877-581-4862 (24 hours a day, 7 days a week)

the home insurance claims process

Having all the right information handy before contacting your insurer to file your claim can help bring your life back to normal faster. There are a few documents that you should try to have available, including:

  • A complete list detailing what was damaged, lost, or stolen; the value of the property; and the circumstances of the loss
  • Receipts for the damaged, lost, or stolen property, if possible
  • Police and/or medical reports, if available

Even if you consider yourself at fault in the accident, we suggest you don't admit fault as you cooperate with police at the scene. This may become important down the road.

How long will it take to process my homeowners insurance claim?

In general, simple claims can be settled in a matter of weeks, while more complicated claims can take significantly longer, especially if several estimates are needed. It also depends on the severity of injuries or damages, as well as the willingness of other involved parties to cooperate.

Every claim is unique, which is why it's impossible to predict how long the whole process will take. If you provide as much information and documentation as possible, your insurance company will be better able to expedite the process. And as always, patience is key.

Will filing a claim affect my home insurance rate?

Depending on the type of claim you file or the amount of the loss, your rate may or may not increase. Give your insurer a call to discuss; they'll help inform you to make the best decision regarding your particular situation.

Claim activity is a logical indicator of risk, and risk determines the insurance premium. A person who falls asleep with a lighted cigarette causing a total burn down, or a person who owns a dog with a history of biting, provides insurers additional insight into future claim potential.

Either way, your policy is there to help you get back on your feet after a major loss.

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When I file a home insurance claim, do I need to contact the police?

In addition to reporting the claim to your insurance company, you should also report the incident to the police if your loss involved theft, burglary, or vandalism. This will quicken the claims process down the road.

What happens after I file a homeowners insurance claim?

Your claims adjuster will contact you and explain a plan to get your claim resolved, depending on the type and extent of the damages. No two claims are the same, so each one is dealt with and resolved on a case-by-case basis.

They'll also provide explanation and guidance, and answer any questions you may have on the process and getting a settlement. If you have further questions about the claims process, feel free to give us a call at 1-800-ESURANCE (1-800-378-7262). Our agents are standing by 24/7 to address any of your home insurance queries or concerns.

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View a saved quote

Or speak with a licensed agent at 1-866-439-5633