Homesite Insurance Opiniões 58

Absolutely DO NOT use these guys. We always made our premium payment on time and never made a claim, and then they decided to drop us anyway. Canceled for no reason. These guys are terrible. Typical scummy insurance agency.

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.

I am writing to formally request a comprehensive review and reassessment of the valuation associated with my recent homeowners' insurance claim with Homesite, arising from water damage in my basement.

The loss originated from a water leak, which resulted in significant mold contamination affecting the drywall, as well as the involvement of asbestos-related materials within the flooring system. Upon inspection, the assigned claims adjuster authorized remediation services. Consequently, a contracted remediation company removed flooring across four rooms and drywall from two rooms, at a total cost of $13,000.00.

While I acknowledge the completion of the remediation work, I must express serious concern regarding the valuation provided for the subsequent restoration. Based on independent contractor estimates, the cost to replace the flooring is approximately $7,000.00, and the drywall replacement is estimated at $5,800.00. In contrast, the insurer’s calculation—derived from a square footage-based formula—allocates only $2,391.54 for both flooring and drywall combined.

In light of prevailing market conditions, including substant

DO NOT buy insurance from this company. I was connected to this company through Progressive. Two $500 annual rate hikes in a 3 year period - both causing an increase in my mortgage. Contact led to literally no logical explanation and was blamed on credit reporting. I have a 780 score.

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 WASNT 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.

Homesite is terrible. They are actually a part of American Family Insurance, which I didn’t realize until it was too late. I have had GEICO for my car insurance for more than 20 years and decided to switch my home insurance to them as well-except now that I filed my first home insurance claim ever in my entire life (as a result of the blizzard we had in February) I’ve found out that GEICO doesn’t do anything other than answer the phone. It’s Homesite/American Family that’s handling everything.

The adjuster I have is called a “desk adjuster“ and she has been unhelpful, difficult to reach (her hours are in a time zone 2 hours different from mine and she in only reachable via phone when I’m working).

When I asked her if I could speak to someone else so I didn’t need to ask for time off work to call her, she said “unfortunately no, because I am the one handling your claim”and she is about 2000 miles away from my property. I made a an appointment to talk to her during her work hours, took time off work, called her at that time, (she didn’t answer) only to find out hours later she doesn’t actually take appointments?!?! (I have proof of all of this in writing).

This adjuster has also lied to me and I have proof of this also in writing via both email and text. This whole experience has been a nightmare, and if someone after reading this chooses a different home insurance company-and I save 1 person from using Homesite/American Family Insurance-then this review has served its purpose.

Progressive homesite is the worst home insurance in the market. I could not give less that 1 star on Trust Pilot. Their process has a lot of flaws and quotes keep changing and they "proactively" charge your mortgage company without giving you an opportunity to cancel, thereby throwing a wrench in the mortgage payments. They do not honor their coverages and find ways to cheat the customer. Their customer service lacks training and you cannot give a feedback to change the process. They are rude and their claims process is a scam for the lack of a better word. DO NOT GO FOR PROGRESSIVE HOMESITE.

Progressive reviewed my auto insurance when I moved to another state. They suggested I speak with Homesite afterward to discuss homeowners' insurance. Homesite reviewed my information and offered an attractive policy. A month later they sent an inspector who stated my roof needed to be replaced although it had recently been given a tune-up and treatment by Roof Maxx. I was given thirty days to replace the roof, which I was unable to do, and the policy was cancelled. To add insult to injury, I have to pay more for less coverage now with my previous insurer.

I was with Homesite through Progressive for 7 years. Out of nowhere they tripled my rates and, since they convince you to go paperless, the notice was caught by me spam filter. I didn't know about the increase until I got my year end mortgage statement. When I called to get an explanation they basically told me that there was nothing to explain and there was nothing they can do about it.

I understand that rates increase over time, but going from $900 to $3,000 is insane. And the fact that they refused to even talk to me about it tells me everything I need to know about this company.

Price was good when I started, and then it got too high. When I canceled, they took a month to review my request to cancel and then another month to send my refund. I am not happy with them and would not recommend them.

Switched to Progressive and bundled with home owners insurance. The auto portion wasn’t an issue, though come to find out I haven’t had homeowners insurance for the past 5 months when my mortgage company asked about my coverage. I wish I’d have investigated Homsite when I switched to Progressive.

Switched to Homesite due to their competitive rate and previous company raising premiums an absurd amount with no claims filed. After one year with no claims Homesite raised my premium 30% so I cancelled. It's been 19 days and I still don't have my refund.

The absolute most scammy insurance company I have ever encountered. They bait you with a competive rate to start with and then when you need them it is all game after game after game. I specifically went through all the aspects of the policy to ensure I had the coverages I needed, but then when disaster hit with all the flooding in Vermont and the increases in claims not only are they committed to ensuring you are not covered, the year two increase in policy premium was DOUBLE! First year was the bait, second year increase makes the average of the two years more expensive than even the most premium of prices. I WISH i saw all the reviews on this site before signing up - but I have never been so glad to cancel. If you want actual protection for your home, trust a better company with that protection.

I am a contractor helping an elderly client with her insurance claim. The adjuster assigned to her claim has been uncooperative from day 1. Taking complete advantage of this elderly woman with a bad memory. She screwed up the first insurance check. Then she decided to never answer or return a single phone call from the dozen or more that I tried to contact her. She still has not corrected her mistake and re-issued the first check. My client is a sweet old lady that needed help so we already completed the work for her. This adjuster has no business being employed by ANY insurance agency. I am going to teach my client how to write her own reviews next week. This horrible adjuster is NOT going to get away with this.

Homesite failed to add my house number to a homeowner policy I purchased. When I was notified by my bank that 2 months later, homesite refused to update my policy to show my house number or refund my premium.
Basically, they kept my premium without insuring me.
Definitely will never do business with them again. They should be shut down!

We’ve been Homesite customers since 2022 (through Progressive/American Family Insurance). After a single water damage loss in January 2024, Homesite created a duplicate claim in error and reported it as an “at-fault” loss. They admitted this mistake in writing but never fixed it.

Because of their false reporting, I can’t get new homeowners coverage and my premium with Homesite has nearly doubled. To make matters worse, they tried to reduce the replacement value owed under the policy by deducting remediation costs — something their own policy doesn’t allow.

For nearly two years I’ve been patient but firm, filing complaints with multiple regulators, yet Homesite continues to drag its feet. A company that claims to stand for integrity and service should not hold its own customers hostage through errors and bad-faith tactics.

Update: I was eventually able to reach Homesite by phone. The customer service rep was pleasant and explained what I could expect to happen next. The refund process takes a little while (about two weeks).

Original review:
I had a renters policy with them that I needed to cancel when I purchased a homeowner's policy when I bought my home. It is impossible to get through to anyone on the phone number provided (1-866-960-8609) - the line just disconnects. Called Progressive and asked to be transferred - the line disconnects. Call Homesite directly - the line disconnects.

ZERO STARS! I've been a loyal customer for over 10 years and never filed a claim. This was the first time in over a decade, and it's unclear what your endorsement policy entails because it's the underwriter's job, making it invisible to customers on their policy. Be cautious when shopping for insurance companies. I am ending my policies with Progressive due to the lies and broken promises. Believing we are fully covered for everything after only seeing a summary of our coverages is misleading for all of us. The details matter. My siding was damaged by wind, I filed a claim, and was only approved for repairs. This is unacceptable. I need a replacement of the full home, not a repair. Picking and choosing as I Pay and Pay and never ever filed a claim or complain when I’m increased. Progressive suggests obtaining the full endorsement policy in the future, but that's unhelpful when I need to file a claim now. Cancel your policies and search for a more trustworthy company!

Failed to cancel my policy and would not refund full amount when the error was caught.

In April of 2024 my home insurance was up for renewal. Homesite had significantly raised my rates so I decided to call them to see why. After a discussion I decided to shop around and ended up going with another insurer.

I called back to cancel my policy with Homesite on the same day. For some reason the call wasn't recorded in my file and the policy was never cancelled.

Fast forward to the next year and my mortgage escrow account pays both them AND my new insurer.

I called Homesite to have the money immediately refunded and they said I needed to provide evidence of other insurance AND provide a written request -which I did.

THEN when they processed the refund, they only gave me 6 months back stating that a policy refund can only be backdated 6 months. This is NOT what I was told by the original agent.

This was their mistake and even though I provided evidence that I had moved to a new insurer for the ENTIRE duration, they refused to acknowledge it was their mistake.

Run, do not walk, away from this home insurerer. More than 7 months of (1) their inspector failing to find all the damage when a tree fell on our roof; (2) Low-ball estimates of the cost of repairing the damage; (3) only partial payment offered because of "depreciation" (including of a brand-new roof); failure to respond to phone calls and emails (some which were automatically sent to trash); failure of supervisor to return calls. Needless to say, I'm looking for another home insurer.