Homesite InsuranceReviews of homesite.com

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.