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Esurance Property and Casualty Insurance Company: Customer Ratings & Reviews [2023]

Esurance Property and Casualty Insurance company provides auto and business insurance products. Read ratings, compare quotes, and find the Esurance auto claims phone number all in our free review below.

UPDATED: Apr 21, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

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UPDATED: Apr 21, 2023Fact Checked

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Written by:

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Full Bio →
Written by Laura D. Adams

Insurance & Finance Analyst

Reviewed by:

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Full Bio →
Reviewed by Daniel Walker

Licensed Insurance Agent

UPDATED: Apr 21, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 21, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

On This Page

UPDATED: Apr 21, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 21, 2023Fact Checked
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Esurance Property and Casualty Insurance Company

Average monthly rate for good drivers:

$67

A.M. Best rating:

A+ (Superior)

Complaint level:

Low

Pros

  • Competitive pricing
  • Digital and mobile-friendly approach
  • Nationwide coverage
  • Variety of insurance products and services
  • Discounts available for qualifying customers

Cons

  • Limited availability in some states
  • Online-centric model may not suit all customers
  • Limited brick-and-mortar customer service options

The Bottom Line

Esurance Property and Casualty Insurance Company is a reputable insurance provider with a strong A+ rating from A.M. Best. Offering a variety of insurance products and services, Esurance is known for its competitive pricing and digital-friendly approach. While it may have limited availability in some states and primarily operates online, Esurance’s nationwide coverage, discounts for qualifying customers, and positive customer reviews make it a compelling choice for those seeking reliable insurance coverage for their property and casualty needs.

Esurance Property and Casualty Insurance Company, a leading provider of insurance solutions. As a trusted name in the industry, Esurance has earned an A+ (Superior) rating from A.M. Best, reflecting their commitment to providing reliable coverage to customers. In this article, we will delve into the company’s history, mission, products, services, pricing, discounts, customer reviews, and more. Whether you’re a homeowner, renter, or driver, Esurance offers a wide range of insurance options to meet your needs. Join us as we explore the pros and cons of Esurance, and help you make an informed decision for your insurance needs.

Is Esurance, Inc. a Good Choice?

Company Contact Information:

  • Esurance Property and Casualty Insurance Company
  • Website: www.esurance.com
  • Phone: 1-800-378-7262

Related Parent or Child Companies:

  • Esurance is a subsidiary of Allstate Insurance Company.

Financial Ratings:

  • Esurance has an A+ (Superior) rating from A.M. Best, which reflects their strong financial stability and ability to meet their insurance obligations.

Customer Service Ratings:

  • Esurance has received mixed customer service ratings, with some customers reporting positive experiences while others have expressed concerns about online-centric customer service options.

Claims Information:

  • Esurance offers a straightforward claims process through their website and mobile app, allowing customers to file and track claims online or via phone.

Company Apps:

  • Esurance offers a user-friendly mobile app, available for both iOS and Android platforms, that allows customers to manage their policies, file claims, and access roadside assistance, among other features. The app is widely regarded for its ease of use and convenience for policyholders.
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Esurance, Inc. Discounts Available

Esurance offers a range of discounts to qualifying customers, helping them save on their insurance premiums. Some of the discounts offered by the company include:

  • Multi-policy discount: Customers who bundle their property and casualty insurance with Esurance may be eligible for a discount.
  • Safe driver discount: Customers with a clean driving record and no recent accidents or violations may qualify for a safe driver discount.
  • Good student discount: Students who maintain good grades in school may be eligible for a discount on their insurance premiums.
  • Multi-car discount: Insuring multiple vehicles with Esurance may qualify customers for a multi-car discount.
  • Homeowners discount: Homeowners who also insure their property with Esurance may be eligible for a homeowners discount.
  • Safety feature discount: Vehicles equipped with safety features such as anti-theft devices or airbags may qualify for a safety feature discount.
  • Paid-in-full discount: Customers who pay their premiums in full at the start of their policy term may be eligible for a paid-in-full discount.
  • Online discount: Policyholders who choose to manage their policy online and opt for paperless billing may be eligible for an online discount.

Note: Availability of discounts may vary by state and policy. It’s recommended to check with Esurance directly to confirm eligibility and details of discounts in your specific location.

Esurance, Inc. Coverage Options

Esurance provides a variety of coverage options to suit the needs of their customers. Some of the main coverage options offered by the company include:

  • Auto insurance: Esurance offers auto insurance coverage, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage.
  • Homeowners insurance: Esurance offers homeowners insurance coverage, which includes dwelling coverage, other structures coverage, personal property coverage, loss of use coverage, and liability coverage.
  • Renters insurance: Esurance offers renters insurance coverage, including personal property coverage, loss of use coverage, and liability coverage.
  • Condo insurance: Esurance provides condo insurance coverage, including coverage for the interior structure, personal property, loss of use, and liability.
  • Motorcycle insurance: Esurance offers motorcycle insurance coverage, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
  • RV insurance: Esurance provides RV insurance coverage, including coverage for motorhomes, travel trailers, and campers, with options for liability coverage, collision coverage, comprehensive coverage, and more.
  • Boat insurance: Esurance offers boat insurance coverage, including liability coverage, physical damage coverage, and coverage for accessories and personal belongings.
  • Umbrella insurance: Esurance provides umbrella insurance coverage, which offers additional liability protection beyond the limits of other primary policies.

Note: Coverage options and availability may vary by state and policy. It’s recommended to check with Esurance directly to confirm coverage details in your specific location.

Esurance, Inc. vs. Competitors

Esurance Property and Casualty Insurance Company operates in a competitive insurance market, with several main competitors in the industry. Some of the company’s main competitors include:

  • GEICO: GEICO, short for Government Employees Insurance Company, is a well-known insurance company that offers a wide range of insurance products, including auto, home, renters, motorcycle, and more. GEICO is known for its catchy advertising campaigns and competitive rates.
  • Progressive: Progressive is another major player in the insurance industry, offering a variety of coverage options, including auto, home, renters, motorcycle, boat, and more. Progressive is known for its innovative approach to insurance, such as its Snapshot program that uses telematics to monitor driving habits and potentially offer discounts based on safe driving behavior.
  • State Farm: State Farm is a popular insurance company that offers a wide range of insurance products, including auto, home, renters, life, and more. State Farm is known for its extensive network of agents and personalized service, with a strong emphasis on customer relationships.
  • Allstate: Allstate is a well-known insurance company that offers a variety of coverage options, including auto, home, renters, motorcycle, boat, and more. Allstate is known for its comprehensive coverage options and features, such as its Drivewise program that rewards safe driving behavior.
  • Nationwide: Nationwide is another major insurance company that offers a variety of coverage options, including auto, home, renters, motorcycle, boat, and more. Nationwide is known for its wide range of insurance products and services, with a focus on customer satisfaction and personalized coverage options.

Note: Competitors may vary by location and specific insurance products offered. It’s recommended to research and compare different insurance companies to find the one that best fits your individual needs and requirements.

Frequently Asked Questions

What states does Esurance Property and Casualty Insurance Company offer coverage in?

Esurance Property and Casualty Insurance Company offers coverage in multiple states across the United States. For specific information on the states where they operate, it’s best to visit their website or contact their customer service.

How can I qualify for discounts with Esurance Property and Casualty Insurance Company?

Esurance Property and Casualty Insurance Company offers various discounts to eligible customers, which may include safe driving discounts, multi-policy discounts, bundling discounts, and more. The specific qualification criteria for each discount may vary, and it’s best to check with the company or review their website for detailed information on how to qualify.

What types of coverage options does Esurance Property and Casualty Insurance Company offer?

Esurance Property and Casualty Insurance Company offers a range of coverage options, including auto insurance, home insurance, renters insurance, motorcycle insurance, and more. They also offer additional coverage options such as roadside assistance, rental car coverage, and more. It’s recommended to review their website or contact their customer service for detailed information on their coverage options.

How can I contact Esurance Property and Casualty Insurance Company for customer service or claims assistance?

Esurance Property and Casualty Insurance Company provides multiple contact options for customer service and claims assistance, including phone, email, and online chat. Their website or policy documents typically have detailed contact information, including phone numbers and email addresses, for different types of inquiries.

What are the financial ratings of Esurance Property and Casualty Insurance Company?

Esurance Property and Casualty Insurance Company’s financial ratings can vary and may be subject to change. It’s recommended to refer to reputable financial rating agencies, such as A.M. Best, for the most up-to-date and accurate information on the company’s financial strength and stability.

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Written by:

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Full Bio →
Written by Laura D. Adams

Insurance & Finance Analyst

Reviewed by:

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Full Bio →
Reviewed by Daniel Walker

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Esurance, Inc.

3.98 (1,523 reviews)
1
April 29, 2023

Hicham

Don't go with them

Bad customer service they charge Lot of money when cancel your policy .they charge me $140 butter look for good insurance company
1
April 13, 2023

Brb40par007_

Claims are not handled properly

My car was involved in attempted car theft on February 22nd at my apartment complex located at [REDACTED ADDRESS] [REDACTED NAME],VA [REDACTED ZIP CODE]. The individual that attempted to steal my car destroyed my back window and ignition housing. I was able to submit a claim the same day. The problem is that my car was delivered to West Broad Hyundai on February 27th. The dealership since February 27th to March 20th. They could not get in con...
My car was involved in attempted car theft on February 22nd at my apartment complex located at [REDACTED ADDRESS] [REDACTED NAME],VA [REDACTED ZIP CODE]. The individual that attempted to steal my car destroyed my back window and ignition housing. I was able to submit a claim the same day. The problem is that my car was delivered to West Broad Hyundai on February 27th. The dealership since February 27th to March 20th. They could not get in contact with my insurance company to make the necessary repairs. Once they got in contact with Esurance, they they had a disagreement with payment. Esurance did not want to honor the dealership's quote to repair my vehicle. The dealership and the insurance company has a back and fourth battle on cost. ESURANCE told me they was going to find another service location to find me another service station. They found me a service station on March 27th. Esurance promise me that I will get my car in timely fashion so they allowed me to get a rental car for a short period of time. Now that it is April 13th and I most return the rental car back in to Enterprise. The problem is that Loyalty Collision had no information about my car nor had no contact with my insurance company. My insurance failed to provide them with the necessary information and payment to the service station to repair my car. I think this is unprofessional that I have been without a vehicle for 2months and my Esurance company is not going to let keep the rental car until I get my car back. If I have to turn in my rental car then I will not have no transportation to get to work which can cause me to lose my job
Read More
1
September 29, 2022

Therep

Very Poor Claims Service

As a person only dealing with the claims process I can honestly say they are very poor in claim response time. This is a California policy. I have seen a month pass before they respond to an accident claim. No call backs after many, many calls.
1
September 20, 2022

Mick3y

RUN! DONT INSURE YOUR CAR HERE.

This has been the worst experience I have ever had, I was in a no-fault accident on May 27th. It is now 9/20/2022. I have called multiple times since my accident, and I have emailed the claims department. After calling to complain multiple times, 9/20 was the first day I was told that there was never a complaint entered for me? I have been transferred to multiple VM and have received no response from the supervisor or the adjuster. The records sh...
This has been the worst experience I have ever had, I was in a no-fault accident on May 27th. It is now 9/20/2022. I have called multiple times since my accident, and I have emailed the claims department. After calling to complain multiple times, 9/20 was the first day I was told that there was never a complaint entered for me? I have been transferred to multiple VM and have received no response from the supervisor or the adjuster. The records show that I have called continuously month after month with no response. I have no idea what my next steps should be or if something is needed from me. This is my life, It is very unsettling and disheartening that this company has gotten away with doing this to multiple people. Not having a vehicle has affected me very negatively and it's very sad that the company could care less about its customers. I am so hurt by this and it has caused me a lot of stress
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1
September 6, 2022

Dana_Whicker

VERY poor customer service and communication.

I am not a policy holder, but am the victim of a car accident and the driver was insured with Esurance. As of 7 full days of the accident I have not heard one word from the adjuster even though I called and left at least 2 voicemails per day and 2 emails. I have contact the company again to speak to a supervisor just to be transferred to the same adjuster who now has a full voicemail box. These people don't know if I am okay, need a rental car, n...
I am not a policy holder, but am the victim of a car accident and the driver was insured with Esurance. As of 7 full days of the accident I have not heard one word from the adjuster even though I called and left at least 2 voicemails per day and 2 emails. I have contact the company again to speak to a supervisor just to be transferred to the same adjuster who now has a full voicemail box. These people don't know if I am okay, need a rental car, nothing. Although I hate to be this way I had to Lawyer up.
Read More
1
July 21, 2022

gt080845

Claims adjusters never call or respond to messages

Esurance is the worst insurance company I have ever dealt with. The adjuster on my claim [REDACTED NAME], has ignored repeated request to call me to handle my claim. Esurance doesn’t seem to know what supervisors are on the job, or on extended leave and not monitoring their messages. Esurance keeps connecting me to [REDACTED NAME], who is on extended leave. They have no one monitoring the calls and messages for the employees who make themse...
Esurance is the worst insurance company I have ever dealt with. The adjuster on my claim [REDACTED NAME], has ignored repeated request to call me to handle my claim. Esurance doesn’t seem to know what supervisors are on the job, or on extended leave and not monitoring their messages. Esurance keeps connecting me to [REDACTED NAME], who is on extended leave. They have no one monitoring the calls and messages for the employees who make themselves unavailable or are not at work, on vacation or somehow not there to supervise. Their voice system is like being in the 7th ring of [REDACTED]. If all you want is an insurance card to prove you have coverage Esurance is the place to go. If you want an insurer that actually provides the coverage stay away from Esurance. I have provided names of the people who aren’t doing their jobs so Esurance will know who they are. Don’t harass them. Just know to avoid them if Esurance wants to assign them to your claim. I can’t provide all the names but at least 10 different people have done a crappy job of getting this going. I only want a phone call so I get things moving. The problem is really Esurance as a company. They take your money and that’s all. I called Esurance 20 times (exact count). I called [REDACTED NAME] at least 8 times & left messages which were not returned. Got transferred to non-working telephone 5 times.
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1
July 5, 2022

ghfdsdfhh

horrible customer service. will cancel with no notice.

didn't tell me when my policy was getting cancelled and illegally canceled on the day i was starting a new job. don't go to Esurance if you value your time and dignity.
1
January 21, 2022

Josepi

Buyer Beware!!

Buyer Beware!! I got Esurance to quote a policy for 3 cars and 4 drivers. Their rate was significantly lower than my current policy. A 6 month payment was made and I was all set to cancel the old policy when I looked closer at the quote - they dropped comp and collision on 2 cars! No wonder their rates were lower!! I called back to cancel. Too late! They grabbed $1250+ from my checking account! Previous comparison quotes with other companies w...
Buyer Beware!! I got Esurance to quote a policy for 3 cars and 4 drivers. Their rate was significantly lower than my current policy. A 6 month payment was made and I was all set to cancel the old policy when I looked closer at the quote - they dropped comp and collision on 2 cars! No wonder their rates were lower!! I called back to cancel. Too late! They grabbed $1250+ from my checking account! Previous comparison quotes with other companies were always apples to apples - same levels and types of coverage. Not this BS of dropping coverage to quote a lower rate. With Comp and Collision added back in the premiums jumped nearly $1000!! Deceptive insurance practices!! Buyer Beware!!
Read More
1
February 7, 2021

BART5231

STEER FAR CLEAR FROM ESURANCE!! TERIBLE CLAIMS SERVICE!! IT

THIS COMPANY I WOULD GIVE 0 STARS TO!! I HAD AN AUFUL EXPERENCE, AND IT TOOK 60 DAYS TO GET MY CLAIM PAID!! HERE IS MY STORY.... I would like to express my dissatisfaction with your company, and claims rep [REDACTED NAME]!!! I first filed my claim of Dec 10, after that I spoke with [REDACTED NAME] about 3 times, until my claim was escaladed into a fraud claim which was TOTALLY RIDICULIOUS!! In that time WITHOUT EXSAGERATION I HAD LEEFT AT LEAS ...
THIS COMPANY I WOULD GIVE 0 STARS TO!! I HAD AN AUFUL EXPERENCE, AND IT TOOK 60 DAYS TO GET MY CLAIM PAID!! HERE IS MY STORY.... I would like to express my dissatisfaction with your company, and claims rep [REDACTED NAME]!!! I first filed my claim of Dec 10, after that I spoke with [REDACTED NAME] about 3 times, until my claim was escaladed into a fraud claim which was TOTALLY RIDICULIOUS!! In that time WITHOUT EXSAGERATION I HAD LEEFT AT LEAS T25 TO 30 EMAILS, AND ABOUT 40 CALLS!!! WITH [REDACTED NAME] TOTALLY IGNORING ME AND NOT RETURNING ANY OF MY CALLS OR EMAILS!!! SHE SHOULD BE ASHAMED OF HERSELF BY THE WAY SHE DOES HER JOB AND REPRESENTS YOUR COMPANY!!!!! BY, BLOWING ME OFF, MAKING ME FEEL FLUSTERATED,VERY ANGREY, AND DESERETED!! I WILL BE LEAVING NEGIVE FEEDBACK AND FORWARDING THIS EMAIL, AND MY DISSATIFACTION FOR [REDACTED NAME], ON EVERY FEEDBACK SITE I CAN!!! IM DROPPING ESURANCE. IN THE 28 YEARS IVE BEEN DRIVING AND HAD AUTO INSURANCE I HAVE NEVER BEEN TREATED AND IGNORED THIS BAD!! Last week FINALLY, [REDACTED NAME], released my claim, after speaking with him, it took [REDACTED NAME] 3 DAYS TO CALL ME BACK, ONLY TO LEAVE ME A VOICE MAIL. SINCE LAST WEEK IVE CALLED ABOUT 6 TIMES, AND EMAIL HER AT LEAST 4 TIMES!!!!!!!!!! TO QUESS WHAT NO RESPONCE!!!!!!!!!!!!!! SHE SHOULD BE ASHAMED OF HERSELF AND THE WAY SHE SO CALLED DOES HER JOB!!!!!!!!!! I know this is not the way your supposed to be treated and through the years have dealt with progressive and geico, with EXCLENT CLAIMS RERESENTIVE, ALWAYS MAKINK ME FELL WELCOME AND ASISTING ME ANY WAY THEY COULD!! THE TOTAL OPPSITE OF [REDACTED NAME]!!!! SHE IS SHAMEFULL AND SUCKS AT HER JOB!!!!! [REDACTED NAME] [REDACTED]
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5
January 17, 2021

Cocosbebe

Lower cost and fast service for trustworthy insurance

It is very convenient just by going through with online application and I can pull out the quote and make adjustment of the quote myself at the time of application. Self check out and very clear about the cost. I can have insured at the time of the submission as well as printing out the Insirqnce ID. Lower cost and fast service for good quality insurance.
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