All About Esurance Car and Home Insurance

With fast and efficient service, as well as competitive rates, Esurance has become one of the fastest-growing online insurance carriers in the U.S.
Owned by insurer AllState, Esurance offers both car and home insurance. With more than 3,000 associates nationwide, Esurance works to protect its customers with 24/7 claims service in 43 states. Using its latest technology, Esurance strives to empower its customers with a hassle-free experience, competitive pricing, and a quick claim recovery process. One of the first online insurance, Esurance uses innovation to make the online quote process even easier.
Part 1 of this article describes how Esurance differs from other insurance companies, Part 2 lists the types of insurance provided, Part 3 goes into more detail about the different coverage options the company offers, Part 4 discusses discounts at Esurance, Part 5 lists which states Esurance operates in, Part 6 gives information about the Esurance Mobile app, and Part 7 covers the ratings for Esurance by the Better Business Bureau (BBB) and A.M. Best.

Part 1 of 7: Esurance key differentiators compared to other insurance companies

The biggest difference between Esurance and a lot of other insurance companies are the low premiums the company offers. In addition, Esurance often provides coverage to customers who have a hard time finding insurance elsewhere due to a bad driving record, DUI, or other factor that place them in a higher risk category. Esurance’s experience with online quotes and insurance also makes it one of the go-to companies if you want to buy insurance online.

Part 2 of 7: Types of car and home insurance provided by Esurance

With a variety of car and home insurance coverage options, Esurance has established itself as a leader in online insurance, with a fast claims process and a competitive pricing model. Esurance offers the following types of insurance to customers.
  • Car insurance types: Like many other standard car insurance companies, Esurance offers the usual line of insurance products as listed below:
  • Liability coverage
  • Comprehensive coverage
  • Collision coverage
  • Medical payments coverage
  • Personal injury protection coverage
  • Uninsured/underinsured motorist liability coverage
  • Home insurance types: When it comes to home insurance, Esurance coverages range through the typical selection of products offered at similar companies, including:
  • Dwelling protection
  • Other structures protection
  • Additional living expenses coverage
  • Water backup coverage
  • Family liability protection
  • Guest medical protection
  • Fire department charges coverage

Part 3 of 7: Coverage options provided by Esurance

Esurance also has a variety of coverage options at its disposal to help its customers tailor their insurance to how they want it, including both car and home insurance coverage options. The following section goes into more detail on these options.
  • Car insurance coverage options: The coverage options for an Esurance car insurance policy include:
  • Emergency Roadside Service (ERS) coverage
  • Rental car coverage
  • Loan/lease gap coverage
  • Customized parts and equipment coverage
  • Home insurance coverage options: To give customers more control of their home insurance coverage, Esurance offers the following options:
  • Building code coverage
  • Increased building structure coverage
  • Identity theft coverage
  • Fair rental income protection
  • Home day care coverage
  • Extended premises

Part 4 of 7: Discounts you can get through Esurance

Customer discounts represent another attractive feature of Esurance’s car and home insurance policies. You can find the many different discounts for both policies below.
  • Car insurance discounts: Car insurance discounts at Esurance run the gamut from multi-policy to online shopper discounts, as listed below:
  • Fast 5 discount
  • Multi-Policy discount
  • Paid-in-Full discount
  • Switch & Save discount
  • Claim-Free discount
  • Homeowners discount
  • Renters Plus discount
  • Emergency Road Assistance discount
  • Pac-12 discount
  • Online shopper discount
  • DriveSense discount
  • Defensive Driver discount
  • Good Driver discount
  • Good Student discount
  • Multi-Car discount
  • Anti-Theft discount
  • Safety Device discount
  • Antilock Brakes discount
  • Home insurance discounts: Esurance also provides a wide selection of discounts on home insurance. The many Esurance home insurance discounts include:
  • New Home discount
  • DIY Home Inspection discount
  • Home Safety Features discount
  • Claim-Free discount
  • Storm Shutter discount
  • Hail Resistant Roof discount
  • Smoke-Free discount
  • Welcome Home discount
  • Preferred Buyer discount
  • Multi-Policy discount
  • Future Effective Date discount
  • Loyal Customer discount

Part 5 of 7: States in which you can find Esurance

While Esurance offers coverage in only 43 of the U.S. states, the company can help you in your search for insurance in the states that it doesn’t provide coverage. Using various online tools, such as CoverageMyWay, Express Lane, What If Calculator, and Esurance Pay Per Mile, Esurance provides coverage in the following states:
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • District of Columbia
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin

Part 6 of 7: Available Esurance apps

Esurance also offers a mobile app called Esurance Mobile, which allows you to pay your bill, add a new car to your policy, or even file a claim, among other functions. Available for Apple and Android devices, the Esurance Mobile app represents an easy way to conduct your business anytime and anywhere.

Part 7 of 7: BBB and A.M. Best ratings for Esurance

You can also check out the ratings for Esurance from the BBB and A.M. Best. The BBB gives insight into how Esurance deals with customer complaints, and A.M. Best provides information about the company’s financial stability.
According to the BBB, Esurance has an A+ rating. Likewise, according to A.M. Best, Esurance has an A+ rating when it comes to the financial stability of the company.
With the many coverage options at your disposal, Esurance makes a compelling case as one of the best online insurance companies around. Add to that the many types of discounts offered, the competitive pricing, and a fast claims process, and Esurance provides affordable car and home insurance.

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