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Save Thousands on Your Homesite Car Insurance

Nicholas Hinrichsen - Published: February 15, 2024

You can lower your monthly premium on your Homesite car insurance and save $1,119 every year / $93 every month through getting a free quote in 2 minutes. You are a great candidate for lowering your insurance premium if (a) you haven’t changed your insurance carrier in the last 12 months and/or (b) if you improved your credit and/or (c) if you paid off your car loan.

Instead of continuing to pay your Homesite policy why not get a free quote from other auto insurance companies now and save thousands in minutes without any changes to your insurance coverage.

Manage My Homesite Insurance

Our goal is to help you build financial strength by comparing car insurance companies. We wrote in-depth car insurance reviews so you can compare the different carriers, lower your monthly payments and get the lowest insurance rate possible. If you’re looking for ways to manage your Homesite insurance, you must be trying to achieve one of the following things:

Manage Insurance / Auto Policy

Go to 'Login' provide Username or Email and Password and you’ll be able to edit, update or change your insurance settings.

File or Manage a Claim

When trying to file or manage a claim, you can select one of four options. File an auto claim, property claim, roadside assistance claim or auto glass claim. On this page, you can also find COVID-19 related questions and answers as well as general FAQs.

Explore Rideshare Coverage

If you want to use your car for ridesharing, your standard Homesite auto insurance won’t apply. Through a Homesite ridesharing GAP coverage policy, you can insure yourself while transporting passengers or transporting goods for delivery.

Homesite insurance offers a number of different methods to manage your insurance policy or pull up your id card via a mobile app:
  • Phone App on AppStore (not available)
  • Android App on Google Play (not available)

If you just want to stay in touch with Homesite and know what’s going on, connect with Homesite in one of the following engaging ways:

Cancelling your Homesite Insurance Policy

You can cancel your Homesite insurance policy via the iPhone / Android app, the website or over the phone through customer service at (800) 466-3748. The whole process will take no longer than 3 minutes.

You might also explain that you're leaving because you're getting lower auto insurance quotes elsewhere. Often, insurance carriers are willing to negotiate when they know they'll lose you otherwise.

Background on Homesite

Homesite Insurance is based out of Boston and offers customers a wide range of insurance products to include: Home, auto, renters, life, commercial, and flood. Homesite was founded in 1997, and acquired by American Family Insurance in 2014.

Homesite Insurance Products

Homesite has a variety of insurance products meant for the benefit of its members/customers and policyholders. These primarily span across the following categories:

Automobile Insurance: These policies are meant to cover both liability and property damage for owned vehicles. The policies vary widely with regard and you need to pick whatever suits your needs best, e.g. number of miles you drive, whether or not you want collision coverage and comprehensive coverage, whether or not you want rental reimbursement and whether or not you want coverage for underinsured or uninsured motorists. We’ll go into more details and how to obtain car insurance quotes below.

Home and Property Insurance: These policies are meant to cover both liability and property damage for a residents primary dwelling. This includes both renters insurance and homeowners insurance/home insurance, condo insurance as well as coverage for personal property or rental properties including but not limited to boat insurance, personal property insurance, valuable personal property, umbrella insurance etc.

Life Insurance: These policies are meant to give your loved ones financial benefits in the event of your death.

Business Insurance: Business insurances include but are not limited to general liability insurance, commercial auto insurance, commercial property insurance, business owner's policy, professional liability insurance (aka errors and omissions), worker's compensation insurance, inland marine insurance, key person life insurance, home-based business insurance and business interruption insurance.

Other Insurance: Under other insurance, we often find umbrella policies to widen your protection above and beyond your primary coverage as well as flood insurance.

Insurance Contact Homesite

Should you need to contact Homesite’s customer service team (be it for to file insurance claims or for general customer service related questions), you have three options to proceed:

  • You can call Homesite toll-free at (800) 466-3748
  • You can email Homesite by using the email form at the bottom of the Contact US page at
  • You can send Homesite a letter to Homesite, 1 Federal St, Boston MA 02110, United States

A Homesite representative will get back to you within 24 - 48 hours.

Homesite Ratings, Reviews and Complaints

Homesite has a number of ratings and reviews. The most reliable resources to an independent and unbiased description from customers and employees can be found on the following four pages:

We find that consumers should take these reviews and complaints with a grain of salt. Usually, primarily upset customers feel the necessity of going through the effort of leaving a written review. We therefore recommend looking for patterns within Homesite’s customer reviews more so than interpreting individual reviews too deeply.

Have you had a negative or positive experience worth sharing? If so, we encourage you to document your Homesite experience on one of the above pages. Other prospective customers and Homesite employees will thank you for the transparency and generous use of your time.

Insurance Costs, Quotes and Discounts from Homesite

Getting a Quote: To get a quote, you can apply directly through Homesite here. Filling out a quote requires having a Homesite login and then answering a few basic questions about you, the members in your household, your vehicles, and your driving record. You can receive a quote either online, on the phone, or through a local branch.

Homesite Auto Insurance Costs: Homesite proposes to save members/customers an average of $659 when compared to other insurance providers. When independently compared to other insurers (e.g. via US News) Homesite saved the average member $242 compared to the next best national insurer (Geico). Depending on your driving record, the table below is a great reflection of what costs to expect on average.

6 Month Average Premium Monthly Average Premium
Average Price $548 $46
Driver w/ At-fault Accident $659 $55
Driver w/ Good Credit (670+) $560 $47
Driver w/ Bad Credit (<580) $1,040 $87
Driver w/ Speeding Ticket $562 $47

Insurance Discounts Available: There are several discounts Homesite offers drivers for the auto insurance policy:

  • Affiliation groups (college alumnus, employer groups, military members, etc.)
  • Good student
  • Good driver
  • Driver education course
  • Vehicle safety features
  • Garaged vehicles
  • Policy bundling
  • Multi-vehicle
  • Electronic payments
  • Pay in full
  • Early renewal

Homesite Bundling Discounts: Homesite proclaims to offer a discount to members who bundle home and auto insurance policies. To qualify the auto policy must be in place prior to the home policy. It should be noted that some other national insurance companies (such as Allstate) offer discounts of up to . Yet when independently reviewed, Homesite still often had the lowest cost for bundled home and auto policies.

Other Insurance Brands Related to Homesite

Homesite has grown into a huge financial services conglomerate. Brands related to Homesite include but are not limited to the following:

Homesite Group Incorporated

  • … is an afflilate of American Family Insurance

Questions People also ask about Homesite

Our goal has been to provide you with a wide range of content so you can learn more about Homesite without having to browse through different websites. While talking to our insurance customers, we frequently heard and answered the following question about Homesite:

Who Qualifies for and Should Get Homesite Car Insurance?

Homesite membership is to the public. The following list summarize who can join Homesite auto insurance:

  • We have not seen any restrictions
  • Generally everybody

The obvious next question is, who should get Homesite car insurance? Homesite Insurance is offered in 48 states and DC. To determine if Homesite is a good option is to get a quote and read reviews. Homesite offers fairly basic coverage with the option to include multiple add-ons.

Is Homesite good insurance?

Overall, Homesite is a top insurance carrier. Homesite's customer base is known for being very loyal to the brand and taking advantage of the wide range of Homesite's products and services. Homesite is a premium product with premium service. If you’re trying to get the best deal on insurance possible, Homesite is probably not your best choice.

Is Homesite Flexible With Payments?

The answer is short and sweet: yes, Homesite offers flexible payment plans. Life can happen and especially during the COVID-19 pandemic, a lot of Americans face competing financial obligations. Homesite’s flexible payment plans can be tailored to your personal salary or pay-schedule so you never miss a payment.

Homesite’s standard payment plans are the Six-Month Policy and the 12-Month Policy. On both of these policies, you can choose to either pay 100% of the premium upfront against a discount or pay your premium in monthly installments.

Does Homesite Offer Accident Forgiveness?

Homesite will not raise your premium after an at-fault accident if you have been accident free for five consecutive years. Homesite’s accident forgiveness program is rather generous. Sadly, Homesite does not offer its accident forgiveness program nation-wide. The following states are excluded from the program, likely for regulatory reasons: California, Connecticut, Delaware, New York and North Carolina.

Other insurance carriers raise your premium significantly when you are involved in an accident caused by negligence. Other insurance carriers are even worse: they won’t accept you as a customer if you don’t have a completely clean accident history.

Compare to other insurance carriers

To make it easy for you, we reviewed a number of carriers in the same format. We find it very hard to compare insurance companies apples-to-apples. Therefore, take a look at our reviews:

Saved money on Homesite done! Now save on your loan!


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