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Esurance Home Insurance Review (2022)

Esurance offers comprehensive home insurance coverage and is available in eight states. Read more about the company in our Esurance home insurance review.

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There are many factors to consider when you’re purchasing a home insurance policy. You’ll want to work with a reputable company with a proven track record that offers all the coverage you need—and some endorsements you didn’t even know you needed—at an affordable price.

Not all homeowners insurance providers are the same. To ensure you make the best decision for you, the This Old House Reviews Team has created this in-depth Esurance home insurance review to give you more information.

Our Take on Esurance Homeowners Insurance

Esurance, owned by Allstate, offers comprehensive home insurance coverage with several attractive endorsements. Its online quote tool is fast and efficient, able to yield a personalized quote for three tiers of coverage in less than 10 minutes.

However, as of 2021, coverage is only available in eight states. In addition, Esurance is relatively expensive compared to the national average and only underwrites its own policies in certain states. Working with third-party underwriters can add a layer of complexity to customer service and the claims process. We give Esurance home insurance an overall score of 88.12 out of 100.

On Esurance’s Better Business Bureau profile, complaints note billing issues. Reviews range from praising fast claims processing to noting concerns with increasing premiums.

Pros & Cons

Compare the advantages and disadvantages of Esurance home insurance.

Esurancse Pros & Cons

Pros Cons
Pros Cons
Quick, easy online quote tool Expensive
24/7 customer service Only available in eight states
Doesn’t underwrite its own policies in every state


Esurance offers all forms of standard home insurance coverage under its basic policy.

Ensurance Coverage

Type Description
Type Description
Dwelling + other structures Covers costs to repair or rebuild your dwelling and detached structures (like a garage or shed) in the event of a covered loss
Personal property Covers costs of replacing personal property in case of a covered loss, including clothes, furniture, electronics, and appliances
Liability Covers costs of legal fees if you are sued by a guest for injury or personal property damage
Loss of use/additional living expenses Covers the cost of living outside your home (including accommodations) when it is temporarily uninhabitable due to a covered loss
Medical payments to others Covers the cost of medical expenses associated with a guest getting injured on your property

Esurance also offers some endorsements to help you customize your home insurance coverage.

Esurance Endorsements

Type Coverage
Type Coverage
Roof surfaces Covers repair or replacement of roof after damage from wind or hail
Water backup Covers water damage from drain backup and sump pump failure
Green improvement Helps pay for additional expense of replacing damaged items with energy-efficient items
Extended coverage Extends coverage for valuable items like jewelry, watches, and furs
Identity theft expense Covers legal fees associated with identity theft
Home daycare Covers costs associated with accidents that occur in your home if you are running a daycare from the property


Esurance is only available in eight states:

  • Kansas
  • Maryland
  • Michigan
  • New Jersey
  • New York
  • Oklahoma
  • South Dakota
  • Texas

How Much Does Esurance Home Insurance Cost?

The exact amount you pay for Esurance homeowners insurance depends on a variety of factors, including your property value, size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.

We requested a quote for a two-story, single-family, 2,000-square-foot home in Houston, Texas. The quoted monthly cost of $306 is significantly higher than the national monthly average, which the Insurance Information Institute has determined as $101.

Esurance Cost

Type of Coverage Amount of Coverage
Type of Coverage Amount of Coverage
Dwelling $261,640
Other structures $26,000
Personal property $157,000
Loss of use $26,000
Liability $100,000 per occurrence
Medical payments to others $1,000 per person
Monthly Cost $306


Esurance offers several discounts.

Esurance Discounts

Type Description
Type Description
Multi-policy Discount for bundling home and auto insurance coverage
Protective devices Discount for installed protective devices like burglar alarms and fire alarms
Responsible payment Discount for responsible payment history, as decided by Esurance
Welcome Discount for submitting a video through the DIY Home Inspection App within the first 20 days after the policy takes effect
Claims-free Discount for being claims-free for a year or more
Non-smoking Discount for homeowners that do not smoke
Roof materials Discount for hail-resistant roof

Reviews of Esurance

Esurance is not accredited by the Better Business Bureau and holds an A- rating from the organization. See what some customers had to say about their experience with Esurance.

Cat said:

“The Esurance website is relatively easy to use, and by switching, I’m saving over $200. I liked the simplistic explanation of the coverages.”

Jacob O. said:

“Customer service is poor. They claim that they offer a hassle-free process. I spent 45 minutes on the phone to get something taken care of that I should have been able to handle online. They ‘reward’ customers by removing discounts and increasing their rates.”

Esurance vs. The Competition

See how Esurance stacks up against some of its top competitors on key metrics.


Provider Esurance Lemonade Amica®
Provider Esurance Lemonade Amica®
Get a Free Quote Not available through This Old House Not available through This Old House
Our Score 88.12 83.50 96.60
State Availability 8 23* 48 (not available in AK and HI)
BBB Rating A- B+ A+
Years in Business 22 6 114
24/7 Claims Service
Protective Devices/Safety Features Discount
Bundling Discount
Mobile App

*Lemonade home insurance is available in AZ, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI

Our Conclusion

Although Esurance offers comprehensive home insurance coverage and gives online quotes almost instantly, the company’s prices are much higher than the industry average. In addition, coverage is only available in eight states, making it an option for a small fraction of homeowners. Esurance also only underwrites its own policies in certain states, and it may frustrate some homeowners to work with a third-party when handling claims and customer service issues. We give Esurance home insurance a score of 88.12 out of 100.

We always recommend getting quotes from multiple companies in your area before selecting a provider. You can do so by calling 855-948-5219 or by entering your zip code below:

Company Information

  • Company name: Esurance
  • Company type: Public
  • CEO: Jonathan Adkisson
  • Year founded: 1999
  • Headquarters: 650 Davis St., San Francisco, CA 94111
  • State availability: 8
  • BBB rating: A-

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a comprehensive rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

Does Esurance offer home insurance?

Esurance offers comprehensive home insurance, featuring all industry-standard coverages and a selection of endorsements, in eight states. However, the company has high prices relative to many competitors.

What discounts does Esurance offer?

Esurance offers a broad range of home insurance discounts, with discount types including multi-policy, protective devices, responsible payment, welcome, claims-free, non-smoking, and roof materials.

Is Esurance cheaper than Geico?

There is no straightforward answer for whether Esurance is cheaper than Geico, because Geico does not underwrite its own policies, while Esurance only underwrites its own policies in certain states. Coverage and cost varies from partner to partner.

How much does Esurance cost?

Our quote for a two-story, single-family, 2,000-square-foot home in Houston, Texas, came out to $306 per month. That is significantly higher than the national average of $101 per month.

To share feedback or ask a question about this article, send a note to our Reviews Team at