Homesite Home Insurance

Founded in 1997, Homesite Group Incorporated focuses exclusively on the homeowners market. Homesite has been committed to addressing problems long associated with the U.S. homeowners insurance business: high fixed costs, limited distribution channels, and minimal technological innovation. Today, Homesite continues to bring industry-leading technology, innovative marketing and distribution strategies, and expertise in catastrophe management to the home insurance business. As a result, Homesite continues to deliver quality insurance products, outstanding customer service, and low premiums to consumers all across the nation.

Today Homesite writes homeowners, condominium owners and renters insurance policies in 47 states and the District of Columbia. Homesite's products are distributed through our own call centers, through selective arrangements with licensed agents and producers, and on the Internet.

The purpose of home insurance is to protect your home and property - in other words, your personal equity. In the event of a natural disaster, you want to make sure that what matters most to you is covered. Homesite offers replacement cost policies that offer competitive coverage amounts. Each year we evaluate your property's current replacement cost, which is listed under Coverage A - Dwelling. Replacement cost is generally defined as "the cost to replace a structure with materials of like kind and quality without deduction for depreciation". Simply put, it reflects the cost to rebuild your home - broken down into components (framing, roofing, and so on) and valued at the cost (materials, labor rates, and so on) to reconstruct each component in today's economy - in the event of a total loss.

Explore Related Categories