time icon 6 min read update icon Sept. 20, 2019
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Esurance, a part of Allstate, has worked hard to become one of the foremost insurance companies in the United States. With cutting-edge technology and paperless methods, this company is transforming the claims process.

Homeowner’s insurance is a topic that doesn’t usually elicit joy, but it is a necessary part of owning a home. If you have a mortgage, the bank or lender will require you to have an appropriate amount of insurance to cover your investment. It is a good idea to do some shopping around before you decidewhich insurance to buy. 

Esurance is a young company, but it is owned by Allstate, a company with over 80 years of experience in the industry. Esurance boasts an easy claims service, responsive agents and quick turnaround for most claims. If you need to buy some homeowner’s insurance, you should consider Esurance.

Grandfolk Scoring
Coverage 9/10
Limits to coverage 10/10
Cost 8/10
Claims 10/10
Deductible 9/10
Discounts/credits 10/10
Protective devices 9/10
Cancellation 10/10
Ease of enrollment 10/10
Waiting Period 7/10
Customer Support 10/10
What is covered in a basic policy?
Your dwelling, freestanding structures, and various expenses
Limits to coverage
What is the maximum the company will pay?
Limits to coverage are based on the amount of insurance you purchase
How much will I pay in monthly premiums?
Monthly premiums depend on where you live and the deductible you choose
How do I submit a claim?
Submit a claim online, call the Claim Center, or use the mobile app
How much will I pay in deductibles?
Your monthly premium generally decreases with higher deductibles
Does the company offer any discounts?
Claim-free, smoke-free, and new home buyer’s discounts are available
Protective devices
Are credits given for safety devices?
You may receive credit for having protective devices in your home
Can I cancel my policy?
Yes, but be sure to have another policy lined up before you cancel
Ease of enrollment
Ways you can enroll
Online or by phone
Waiting Period
How soon can the policy be used?
Check with customer service for specifics
Customer Support
Ease of access
Contact customer support online or by phone
Age Score:
50-64 Years
65-74 Years
75-84 Years

When you have a mortgage with a bank or another type of lender, they will require you to carry an appropriate level of homeowner’s insurance. You should shop around to find the best deal for what you need. It does take time, but it’s well worth the effort. Homeowner’s insurance is something you should not do without, even after your mortgage is paid. 

Even if you are an older senior, you should do your best to find a product that works for your situation. For those who may have lost some mental acuity, finding the best policy and the right options might be confusing. It is wise to have a family member assist in these situations. 

Health Score:
Great Health
Good Health
Fair Health
Poor Health

Having an appropriate level of homeowner’s insurance is important for everyone. You want to be sure that if the worst happens, you have the resources to rebuild your home and have a place to stay in the interim. Esurance offers a basic policy along with several options for additional coverage. Esurance also provides online accessibility options for customers with disabilities. If you need more than what is provided automatically, you can notify the company and a representative will assist you with additional accommodations.


  • Esurance offers a new home discount if you sign up within 12 months of purchase or a new home’s completion.
  • You can get a discount if you go one year without filing a claim.
  • If no one in your house smokes, you can get a discount for being safety-conscious. 
  • You can file a claim online or by phone 24/7.
  • Optional coverage is available if you have a day care in your home, to cover additional medical expenses.
  • Esurance has a mobile app which you can use to submit a claim or check the status of your claim.


  • Esurance does not offer an optional package to cover valuable items and collections, such as dinnerware or artwork. 
  • This company doesn’t offer a discount for retirees or seniors. 
  • Some options for additional coverage are not offered in every state.

Bottom Line:

In the nearly two decades it has been in business, Esurance has built a strong presence among companies offering homeowner’s insurance. This companyis owned and backed by Allstate, a company with 80+ years of experience. Esurance has been awarded an A+ financial rating by A.M. Best, and has an A+ rating from the Better Business Bureau, so it is obviously doing something right. The website states that the company will, “constantly strive to make the insurance experience better — and maybe even people’s lives a little better — by valuing our customers and truly listening to their experiences and ideas.” 

Esurance employs innovative technologies to help make the customer experience easy and quick. Esurance offers an excellent product with easy claims service and friendly staff. Unless you need coverage for a special and valuable collection, you should definitely consider giving them a call. 

Frequently Asked Questions:

How can I get a quote? 

Esurance has a very easy-to-use website, where you can get a quote for homeowner’s insurance in your state. Enter your zip code and complete basic information about your situation and you will get an estimate of your annual premium. If Esurance is not available in your state, a company representative will refer you to another company that partners with Esurance. 

What kinds of discounts does the company offer? 

Esurance offers several discounts, including a home safety features discount, a claim-free discount, asmoke-free discount, a multi-policy discount, and a loyal customer discount, just to name a few.

What optional supplemental coverages does the company offer?

Esurance offers additional insurance if you run a daycare from your home. It also offers identity theft protection, coverage if building codes have changed requiring a rebuild, coverage for lost income if the damaged space is a rental property, and extended premises coverage. 

More Information:

Product Details

Overview:Esurance offers a standard package similar to those offered by other companies. This standard package includes your home’s structure and other structures on your property, your personal belongings, and personal liability. 

Package Details:Esurance sets itself apart from other companies with the types of optional coverage you can add to your package. One type is building codes coverage, which covers you if city ordinances or new building codes increase the cost of rebuilding your home. Esurance also offers identity theft protection, which will pay for repairing damage done to your name and credit, and extended premises, which protects you if you run a 2, 3 or 4-unit building and one of your tenants is injured. 

Other Services:None.

Additional Company Details

Contract Details:Once you have signed up for coverage, you will need to pay a monthly premium to cover your home and belongings. You can cancel at any time, but be sure to have a replacement policy in place before you do. If you have paid ahead, you will get a refund of unused premiums. 

Warranty: Esurance believes that you will be happy with its service. If you are unhappy at all, you should get in touch with the agent who sold you the policy, or call the main number on the company website.

Accreditations:Esurance has been in business for 19 years and has an A+ financial rating. The company is not BBB accredited, but holds an A+ rating from the organization. It hasreceived several awards and distinctions, including being named one of the Best Places to Work in New Jersey in 2015, and winning the MobileWebAward in 2014. Esurance is committed to being a leading provider of insurance for today’s consumer. The company boasts a hassle-free experience, competitive rates, and a 24/7 claims service.

Company Details: Esurance is owned by Allstate, which has over 80 years of insurance experience.Its mission is to help today’s consumers feel empowered and confident in their insurance decisions. The company constantly strives to help its customers recover quickly after a claim. It also offers cutting-edge technology for a smooth customer experience. 

Additionally, Esurance has a strong commitment to the environment, and virtually everything it does is paperless. The company supports veterans with community outreach programs, and supports WIN (Women’s Innovation Network), which provides leadership development for women in the workplace. It also participates in various local community support programs.


Esurance, Inc.
650 Davis St.
San Francisco, CA 94111
Tel: (800) 378-7262

Donna McDurfee - Senior Advisor

Donna is senior researcher with Grandfolk® providing in-depth product and service reviews to empower senior buying decisions.