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Esurance is a great home insurance option for everyone, but you’ll really gain a lot if you love to go mobile. That’s because Esurance has an awesome mobile app that lets you do everything faster and easier. You can make claims, check on your account status, and do more with the tap of your finger.
Esurance offers comprehensive coverage of all of the important aspects of your home. Homeowners will have their entire property covered from damages. This includes any structural damage done to your house or any other buildings on your property. That might refer to a tool shed, a fence, or a gazebo that you have on your property.
Esurance home insurance policies also cover any personal belongings that you have in your home or outside of your home. There is a cap on the coverage of each item though, so check your policy for exact details. Finally, Esurance home insurance policies include liability coverage. This will pay for any expenses accrued if someone is injured on your property or claims you are responsible in some other way.
In the event that you find you need to vacate your home for renovations or repairs, Esurance will also cover any additional living expenses you have to pay out of pocket during this time. Most policies cover up to 12 months of additional living expenses on things like hotel rooms or rental units, laundry and dry cleaning bills, restaurant meals, pet boarding, storage facilities, sewer fees, mailing expenses, connection and setup fees for things like your cable or utilities, furniture purchases, and fees associated with other actions required because of the temporary move.
Esurance also goes deeper with its coverage than some other home insurance providers. For example, Esurance offers water backup coverage. This isn’t flood insurance. Rather, it covers any damages that happen from water coming from the ground up to your property. This can be up to $25,000 in coverage, a hefty sum that competitors don’t match. Esurance also has fire department charges coverage that’ll cover the costs of fire department fees up to $5,500.
Standard home insurance policies cover damages that are caused by fire, lightning, windstorm, hurricanes, tornadoes, hail, explosions, riots, aircraft, vehicles, smoke, theft/vandalism, falling objects, weight of ice or snow, freezing of plumbing, heating, air conditioning, or other household pipes and systems. Esurance also makes things easier for homeowners by offering customizable home insurance policies. You can include or exclude certain items from your policy based on your needs and circumstances.
In addition to the standard coverage for homeowners, Esurance offers several add-ons or riders you can take out. These can be added to your policy on a case-by-case basis. For example, you may want to take out a larger insurance policy to cover your expensive computer equipment. Or you might want to extend the parameters of your coverage to include an area, item, or amount that is not included in your standard home insurance policy. Here’s a list of additional coverage items you can purchase through Esurance:
Signing up with Esurance takes just a few minutes, and you'll get a quote right away, which is a nice perk. The website is easy to use and offers neat tools like a coverage counselor that will help you figure out what type of coverage you need. You can complete the entire application process online or via the mobile app. Speaking of the mobile app, we have to say we were extremely impressed with this one. With Esurance’s mobile application, you can quickly make claims right from your phone. The system lets you upload photos of the damage, so you don’t have to wait for any appraiser to come. This means claims processing time is cut down significantly.
Esurance operates in 43 states, an impressive number.
Esurance is one of the top home insurance providers because of the wide variety of discounts available from this service. Some of the ways you could save on your home insurance policy with Esurance include:
Believe it or not, there are more. Check out the website for all discounts available.
Esurance upholds the integrity of your privacy and personal information by adhering to strict security policies. It has technological, physical, and procedural safeguards in place to keep your information safe.
What’s more, Esurance holds an A+ from A.M. Best, the highest rating possible from this reputable agency. A.M. Best ratings are given based on a company’s integrity, reputation for consistency, and reliability. So, an A+ from A.M. Best says a lot about Esurance.
The claims process is straightforward with Esurance. You can submit your claim online or over the phone, whichever is easier for you. Here are some of the documents and details you should have ready when submitting a claim with Esurance:
Esurance has a fairly fast processing time for most claims. You can have everything wrapped up in a matter of weeks from start to finish, which is fast for this industry. More complex claims will likely take longer to process, though.
In addition to filing your claim with Esurance, the company recommends contacting the policy in the event of vandalism, theft, burglary, etc.
Esurance makes home insurance easy for everyone. With fast online and mobile apps, you can get the process done quickly and painlessly. And while Esurance isn’t the cheapest home insurance provider, with all the discounts available, you are very likely to break even or possibly even come out on top. The coverage is extensive, and Esurance offers a wide range of additional coverage items as well. Working with Esurance is a breeze, so it’s not hard to recommend this company to homeowners across the country.
