Personal Finance

Homeowners of America Home Insurance Review 2022

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  • Low volume of consumer complaints.

  • Many discounts available.

  • Not available in all states.

  • No online quotes or mobile app.

Bottom line: Coverage available through local agents in 20 states.

As its name implies, Homeowners of America sells mainly homeowners insurance, though it also offers renters, condo and landlord policies in select states. The company sold its first policies in Texas in 2006 and has since expanded to 20 states across the country. Homeowners of America home insurance is available through independent agents.

State availability

Homeowners of America sells homeowners insurance policies in 20 states.

Homeowners of America home insurance coverage

You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:

Type of coverage

What it does

Pays to repair or rebuild the structure of your home.

Covers damage to unattached structures such as a shed or fence.

Pays to repair or replace personal belongings such as furniture or clothing.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Covers legal expenses and damages if you’re responsible for injuries to other people or their property.

Medical payments

Covers injuries to guests in your home, regardless of fault.

Aside from the standard coverage above, Homeowners of America offers optional endorsements you may be able to add to your policy:

Equipment breakdown coverage pays to repair or replace kitchen appliances, water heaters, air conditioning systems and other appliances if they break down.

Replacement cost coverage on personal property offers a more generous payout if your belongings are stolen or destroyed. With this coverage, the insurer will pay enough for you to buy brand-new replacements for the lost items. Without this coverage, you’d receive less of a payout for older items because they’ve lost value over time.

Increased limit on jewelry and watches provides extra coverage for valuables worth more than the coverage limit in your standard policy.

Refrigerated personal property coverage pays up to $500 if you lose food in your fridge or freezer due to a power outage.

Pet coverage can pay kenneling fees if you need to move out of your home temporarily after a covered claim. It can also cover vet fees or burial expenses if your pet is injured or killed in a fire or other covered disaster.

Service line coverage pays up to $10,000 for damage to underground utility pipes or wires that serve your home.

Mortgage extra expense coverage can help with mortgage payments if your home is completely destroyed by a covered disaster. Specifically, if you end up with a new mortgage when rebuilding your house, this coverage can pay for application fees and any difference in interest rate.

Backup of sewers or drains coverage pays for damage from water that backs up into your home.

Increased replacement cost coverage gives you extra money to rebuild your home if your dwelling coverage limit isn’t high enough.

Coverage options vary by state, and deductibles may apply. (A deductible is the amount subtracted from your claim payout.)


Depending on where you live, Homeowners of America might offer discounts for:

  • Having a new home.

  • Having a centrally monitored alarm system or other security features.

  • Living in a gated community.

  • Taking steps to protect your home from wind.

  • Having a smoke alarm or sprinkler system.

  • Getting a homeowners quote in advance of when you need the policy to start.

  • Going a certain amount of time without filing a claim.

  • Having a VA loan.

  • Using smart-home technology.

  • Having a new or hail-resistant roof.

  • Being a recent home buyer.

  • Having another policy from the agency where you bought your homeowners policy.

  • Buying a new home built by an accredited builder.

Consumer complaints

Homeowners of America had fewer than the expected number of complaints to state regulators relative to its size for home insurance, according to three years’ worth of data from the National Association of Insurance Commissioners.

Consumer experience

Website: You can’t get a quote on the Homeowners of America website, but you can look up local agents, file claims, pay bills and see policy information. The website also has basic information about the company’s homeowners policies.

Customer service: For support, contact your local agent or call 866-407-9896. Spanish-speaking representatives are available. You can also email [email protected].

Where Homeowners of America stands out

Ways to save. Though discounts vary by state, Homeowners of America offers a lot of potential ways to reduce your home insurance rates.

Customer service. Spanish-language support and a 24-hour claims line are two useful features for consumers. Plus, the company’s low number of consumer complaints suggests that most policyholders are happy with their coverage.

Where Homeowners of America falls short

Digital features. Homeowners who want to get an online quote or use a mobile app to manage their policies won’t have these options with Homeowners of America.

Availability. The company has expanded rapidly over the past couple of years, but its homeowners policies are still not available nationwide.

Is Homeowners of America home insurance right for you?

Homeowners of America might be a good choice if you want to work with an agent to determine your coverage and you live in one of the states the company serves. It isn’t a good fit if you’re looking for a single company to provide multiple types of insurance besides homeowners, such as auto, boat or umbrella policies.

Other home insurance companies to consider

Not ready to make a decision? You may be interested in these other homeowners insurance companies:

  • Hippo: Digital-first insurance that comes with free smart-home technology in many states.

  • Nationwide: For homeowners seeking a broad range of coverage options.

  • USAA: Coverage for active military, veterans and their families.

Frequently asked questions

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