Homeowners of America
- Low rate of consumer complaints.
- Many discounts available.
- Not available in all states.
- No online quotes or mobile app.
Choose Homeowners of America home insurance if...
You want to work with an agent to determine your coverage and you don't mind buying home and auto insurance from different companies.
Why trust NerdWallet
Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. See our criteria for evaluating homeowners insurance.
More than 270 million rates analyzed by our team of specialists.
More than 50 insurance companies analyzed in all 50 states and Washington D.C. (See our top picks.)
About Homeowners of America home insurance
Homeowners of America home insurance earned 3.5 out of 5 stars for overall performance.
As its name implies, Homeowners of America sells mainly homeowners insurance, though it also offers renters, condo and landlord policies. Homeowners of America home insurance is available through independent agents.
How Homeowners of America home insurance stacks up
Pros
- Low rate of consumer complaints.
- Many discounts available.
Cons
- Not available in all states.
- No online quotes or mobile app.
Frequently asked questions
What other types of insurance does Homeowners of America offer?
What other types of insurance does Homeowners of America offer?
Homeowners of America also sells renters, condo, landlord and flood insurance.
Methodology
Homeowners insurance star ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
