Homeowners of America Insurance Company: Customer Ratings & Reviews [2023]

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.

Homeowners Choice Property and Casualty Insurance Coverage Options

Homeowners of America Insurance Company offers a range of coverage options to protect homeowners, renters, landlords, and condo owners. Some of the coverage options available include:

• 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.

These coverage options offer a range of protection for homeowners, renters, landlords, and condo owners, ensuring that they are covered in the event of a covered loss.

Homeowners Choice Property and Casualty Discounts Available

Homeowners of America Insurance Company offers a range of discounts to policyholders, helping them save money on their insurance premiums. These discounts include:

• 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.

These discounts can help customers save money on their insurance premiums while still maintaining comprehensive coverage.

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.