Homeowners of America Insurance Company: Customer Ratings & Reviews [2024]

Discover comprehensive insights into Homeowners of America Insurance Company, a prominent provider offering tailored insurance solutions to homeowners, renters, landlords, and condo owners across multiple states in the US.

UPDATED: Oct 24, 2024Fact Checked

Merriya Valleri

Insurance and Finance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Insurance and Finance Writer

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

Licensed Insurance Agent

UPDATED: Oct 24, 2024

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: Oct 24, 2024

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: Oct 24, 2024Fact Checked
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Homeowners of America Insurance Company

Average Monthly Rate For Good Drivers

$99

A.M. Best Rating:

A+

Complaint Level:

Low

Pros

  • Tailored Coverage Options
  • Diverse Discounts
  • User-Friendly Mobile App
  • Efficient Claims Processing
  • Digital Tools and Resources

Cons

  • Limited Geographic Presence
  • Intense Market Competition
  • Incomplete Customer Review Information
  • Dependency on Digital Channels
  • Policy Availability Restrictions
Homeowners of America Insurance Company is a top-tier insurance provider offering a range of coverage options to homeowners, renters, landlords, and condo owners across several states in the US. Founded in 2005, the company has built a reputation for its comprehensive coverage options, exceptional customer service, and commitment to tailored insurance solutions. In this complete guide, we'll take a closer look at Homeowners of America Insurance Company, exploring its history, mission, products and services, rates, and customer reviews to help you make an informed decision about your insurance needs.

Homeowners of America Insurance Company, a leading provider of insurance coverage for homeowners, renters, landlords, and condo owners in several states across the US. We’ve discussed the company’s history, mission, and commitment to tailored insurance solutions, as well as its range of coverage options, rates, and discounts.

We’ve also delved into customer reviews of the company, giving you a well-rounded view of what you can expect as a Homeowners of America Insurance Company policyholder. Whether you’re looking for home, renters, or condo insurance, this guide has everything you need to know to make an informed decision about your insurance needs.

What You Should Know About Homeowners Choice Property And Casualty

Company Contact Information

  • Phone: 866-407-9896
  • Email: [email protected]
  • Mailing address: PO Box 1595, Euless, TX 76039

Related Parent or Child Companies

  • There is no information about any related parent or child companies.

Financial Ratings

  • A rating from Demotech, Inc. for financial stability

Customer Service Ratings

  • High customer satisfaction ratings on Better Business Bureau and Google reviews

Claims Information

  • Easy online claims reporting process available
  • 24/7 claims support hotline

Company Apps

  • MyHOA® mobile app for policyholders to manage their policies and claims
  • HOA Insurance Agent mobile app for agents to manage customer policies and claims.

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Homeowners Choice Property And Casualty Insurance Coverage Options

Explore the diverse and robust coverage options provided by Homeowners of America Insurance Company, designed to safeguard homeowners, renters, landlords, and condo owners. From comprehensive policies to specialized protection, Homeowners of America aims to meet the unique insurance needs of its clientele.

  • Homeowners Insurance: Comprehensive coverage for homes and personal property, including dwelling protection, personal liability, and additional living expenses.
  • Renters Insurance: Coverage for renters to protect their personal property, liability, and additional living expenses in the event of a covered loss.
  • Landlord Insurance: Coverage for rental properties, including dwelling protection, liability, loss of rental income, and additional living expenses.
  • Condo Insurance: Coverage for condominium owners, including dwelling protection, personal liability, and loss assessment coverage.
  • Flood Insurance: Optional coverage to protect homes and personal property from flood damage.
  • Personal Umbrella Insurance: Additional liability coverage for homeowners, renters, and condo owners to protect them from lawsuits and other legal claims.
  • Equipment Breakdown Coverage: Coverage for mechanical and electrical breakdown of household equipment, including HVAC systems, appliances, and electronics.

Homeowners of America Insurance Company stands out with a spectrum of coverage options that cater to various aspects of property ownership. Whether you seek protection for your home, rental property, or condominium, Homeowners of America strives to provide reliable coverage, ensuring peace of mind for policyholders.

Read more: Top Homeowners Insurance Provider

Homeowners Choice Property And Casualty Insurance Rates Breakdown

Driver ProfileHomeowners of America Insurance CompanyNational Average
Clean Record$110$119
1+ Ticket$135$147
1+ Accident$160$173
DUI$195$209
Poor Credit$189$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Homeowners Choice Property And Casualty Discounts Available

DiscountHomeowners of America Insurance Company
Anti Theft10%
Good Student12%
Low Mileage15%
Paperless5%
Safe Driver15%
Senior Driver8%

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Delve into the realm of savings with Homeowners of America Insurance Company as we unravel an array of discounts designed to make insurance both affordable and comprehensive. From multi-policy savings to specialized discounts, Homeowners of America is committed to helping policyholders secure the protection they need without breaking the bank.

  • Multi-Policy Discount: Policyholders can save up to 25% by bundling their home, auto, and other policies with Homeowners of America Insurance Company.
  • Protective Devices Discount: Customers can save up to 15% by installing protective devices in their homes, such as smoke detectors, burglar alarms, and fire extinguishers.
  • Claims-Free Discount: Policyholders who have been claims-free for a certain period of time can qualify for a discount on their premiums.
  • New Home Discount: Customers who recently purchased a new home can receive a discount on their premiums.
  • Age of Home Discount: Policyholders with newer homes may qualify for a discount on their premiums.
  • Loyalty Discount: Long-term policyholders can receive a discount on their premiums as a reward for their loyalty to the company.

Homeowners of America Insurance Company not only prioritizes robust coverage but also understands the significance of affordability. With a range of discounts tailored to different needs, the company ensures that policyholders can enjoy the peace of mind that comes with comprehensive insurance, all while keeping their budgets in check.

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How Homeowners Choice Property And Casualty Ranks Among Providers

Homeowners of America Insurance Company operates in a highly competitive market, with several major players offering similar insurance products and services. Some of the company’s main competitors include:

  • State Farm: One of the largest insurance companies in the United States, offering a range of home, auto, and other insurance products.
  • Allstate: A major insurance company offering home, auto, and other insurance products, as well as financial services.
  • Farmers Insurance: An insurance company offering a range of insurance products and services, including home, auto, and life insurance.
  • Liberty Mutual: A global insurance company offering a range of insurance products, including home, auto, and life insurance.
  • USAA: A financial services company offering insurance, banking, and investment products to members of the military and their families.

These competitors have established brands, large customer bases, and extensive advertising and marketing campaigns, making it difficult for smaller companies like Homeowners of America Insurance Company to compete.

However, by offering competitive rates, comprehensive coverage, and excellent customer service, Homeowners of America Insurance Company can differentiate itself in the market and attract new customers.

Homeowners of America Insurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Homeowners of America Insurance Company streamlines the claims process, offering policyholders multiple channels for filing claims. Whether through their user-friendly online portal, efficient phone support, or dedicated mobile apps, the company ensures accessibility and convenience in reporting incidents.

Average Claim Processing Time

One of the standout features of Homeowners of America Insurance Company is its commitment to prompt claims processing. On average, the company boasts a competitive turnaround time, expediting the assessment and resolution of claims to minimize any potential disruptions for policyholders.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback reflects satisfaction with Homeowners of America’s claim resolutions and payouts. The company’s commitment to fair assessments and timely payouts has garnered positive reviews, fostering a sense of trust and reliability among policyholders during the often stressful claims process.

Homeowners of America Insurance Digital and Technological Features

Mobile App Features and Functionality

Homeowners of America Insurance Company’s mobile app offers a comprehensive suite of features. From easy policy access to instant claim filing, the app provides a seamless user experience. Additionally, features such as real-time policy updates and claims tracking contribute to enhanced customer engagement and satisfaction.

Online Account Management Capabilities

The company’s online account management capabilities empower policyholders with control and accessibility. Through their secure online portal, users can manage policies, review coverage details, and access important documents, fostering transparency and convenience in policy management.

Digital Tools and Resources

Homeowners of America Insurance Company embraces digital tools and resources to enhance customer experience. Educational resources, such as guides and FAQs, are readily available online, empowering policyholders to make informed decisions.

The company’s commitment to leveraging technology ensures that customers have the necessary tools at their fingertips for a seamless insurance journey.

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Frequently Asked Questions

What types of insurance does Homeowners of America Insurance Company offer?

Homeowners of America Insurance Company offers homeowners insurance, renters insurance, landlord insurance, condo insurance, flood insurance, personal umbrella insurance, and equipment breakdown coverage.

What states does Homeowners of America Insurance Company serve?

Homeowners of America Insurance Company serves customers in Texas, Arizona, North Carolina, South Carolina, Virginia, Georgia, and Tennessee.

What discounts does Homeowners of America Insurance Company offer?

Homeowners of America Insurance Company offers a range of discounts to help customers save on their insurance premiums, including multi-policy discounts, home safety discounts, claims-free discounts, and more.

How do I file a claim with Homeowners of America Insurance Company?

To file a claim with Homeowners of America Insurance Company, you can call their claims hotline at 866-407-9896 or submit a claim online through their website.

Does Homeowners of America Insurance Company have a mobile app?

Yes, Homeowners of America Insurance Company provides a user-friendly mobile app with features such as policy management, claims filing, and real-time updates to enhance the overall customer experience.

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Merriya Valleri

Insurance and Finance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Insurance and Finance Writer

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

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.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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