Homeowners of America Insurance Company: Customer Ratings & Reviews [2025]

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.

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

Homeowners Choice Property And Casualty Discounts Available

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.

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.