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"Made the claim process easy"
"Our rep was amazing. She really took the time to explain each step of the process and was great at following up. She made the [claim] process easy and I appreciate her helping my family get our house back together."— Tommy A.
"Easy to use and a good value"
"Easy to use and a good value. I sleep easy knowing my house is covered without breaking the bank."— Eric F.
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It's our job to ask "what if." Here are a few ways we can help you out of a jam.
If a storm or vandal hits your home, homeowners coverage kicks in to pay for repairs.
When injuries happen on your property, you're on the hook. We help you foot the bill.
If a thief takes your 4K TV (or even your laptop from your car), we can help you replace it.
If you need to temporarily leave your home because of a covered loss, we help with relocation and living expenses.
See what else homeowners insurance covers.
We think responsible homeowners deserve to save on insurance. Here are a few discounts you might qualify for.
A solid roof can cut down your bills — in more ways than one. See if it's available in your state.
From an alarm system to sturdy locks, we reward you for protecting what's yours. See if it's available in your state.
Pay your bills on time. Save money. It's that simple. See if it's available in your state.
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We work hard to make your life easier. Here are a few ways Esurance technology makes insurance a snap.
Save $50 in as little as 25 minutes with our simple app.*
Pay your bill, view your coverages, and more — all conveniently online.
Save time and money (up to 10%!) by bundling your policies.
A homeowners insurance policy provides a financial safety net in the event your home or belongings are damaged. It usually covers other structures on your property (tool sheds, garages, gazebos), as well as medical or legal expenses if you or someone on your policy (a family member, for instance) is held legally responsible for an injury sustained on your property. Additionally, most mortgage lenders require you to have homeowners insurance.
It depends. There are a few different types of homeowners insurance — from a basic policy, to those that provide a wider spectrum of coverages — and some may vary from state to state.
Get a quick estimate by checking out our Home Insurance Calculator.
Simply put, homeowners insurance protects you from financial loss after a covered incident. This includes your home's structure and other structures on your property, your personal belongings, and your liability for others' injuries sustained on your property or that you're responsible for.
Find out more about specific coverages and protection for your home.
We work hard to offer our customers the best coverage at the best price. But we also believe that homeowners who take intiative deserve to save.
Check out the variety of homeowners insurance discounts you could score with Esurance.
Visit our Info Center.
*DIY Home Inspection Discount is not a discount in all states and savings may vary in certain states. Homeowners insurance not available in all states. Requires compatible smartphone.
Homeowners insurance policies underwritten by Esurance are available only in certain states. Coverage and discount availability may vary by state and/or individual risk situation.
Homeowners insurance quotes, in states where Esurance homeowners insurance is not available, are provided by Answer Financial, Inc or Security First Insurance Company for FL residents. Homeowners insurance claims are processed and paid by the underwriting company. Esurance does not underwrite, provide customer service, or pay claims for any homeowners policies sold by Answer Financial or Security First Insurance Company.
This page provides a summary of typical coverages and is not meant to describe actual coverage under any individual homeowners insurance policy. Coverage for certain categories of property, like jewelry and electronics, may require that such items be specifically scheduled and subject to additional premium. Coverages, discounts, and billing options are subject to state availability, individual qualification, and/or the insuring company's underwriting guidelines. Terms, conditions, limits, and exclusions will apply. Rates are subject to change.