Homestate Insurance: Protecting Your Home and Property

When it comes to protecting their homes and personal property, homeowners across the U.S. turn to Homestate Insurance. Founded in 1946, Homestate has become a household name in the insurance industry, recognized for their exceptional coverage options and top-notch customer service. In this article, we’ll take a closer look at what Homestate Insurance has to offer and why it might be the right choice for your home insurance needs.

What is Homestate Insurance?

Homestate Insurance is a property and casualty insurance company that provides coverage for homes, rental properties, condominiums, and mobile homes. The company offers a range of policies, from basic coverage to comprehensive protection that includes additional living expenses, personal liability, and medical payments to others.

As a regional insurance provider, Homestate Insurance serves customers in the western United States, including California, Arizona, Nevada, Oregon, and Idaho. Since its founding, the company has remained committed to providing affordable and reliable insurance coverage to homeowners and property owners in these areas.

The History of Homestate Insurance

Founded in 1946 by a group of California farmers, Homestate Insurance started as a mutual insurance company that provided coverage exclusively to farmers in California’s Central Valley. Over time, the company expanded its offerings to include homeowners and other property owners in the region. In the 1980s, Homestate Insurance became a publicly-traded company, allowing the company to grow and expand into new markets.

Today, Homestate Insurance is headquartered in Sacramento, California, and has over 130 employees. The company remains committed to its founding values of providing affordable and reliable insurance coverage to its customers.

Homestate Insurance Coverage Options

Homestate Insurance offers a range of coverage options for homeowners, including:

In addition to these coverage options, Homestate Insurance also offers coverage for rental properties, condominiums, and mobile homes.

Additional Coverage Options

Homestate Insurance also offers a variety of additional coverage options to help you customize your policy to meet your specific needs. These options include:

• Earthquake Insurance
• Flood Insurance
• Jewelry and Fine Art Coverage
• Identity Theft Protection

With these additional coverage options, you can rest assured that your home and personal property are protected against a wide range of risks.

Why Choose Homestate Insurance?

There are many reasons why homeowners choose Homestate Insurance for their home insurance needs. Here are just a few:

Exceptional Customer Service

At Homestate Insurance, customer service is a top priority. The company’s knowledgeable and friendly agents are always available to answer your questions and help you find the right coverage options for your needs.

Affordable Rates

Homestate Insurance is committed to providing affordable coverage options to its customers. With competitive rates and a variety of discounts available, you can get the coverage you need without breaking the bank.

Local Expertise

As a regional insurance provider, Homestate Insurance has a deep understanding of the unique risks and challenges that homeowners in the western United States face. With this expertise, the company can provide customized coverage options that meet the needs of its customers in these areas.

Financial Stability

With over 70 years of experience in the insurance industry, Homestate Insurance has a proven track record of financial stability. This means that you can trust the company to be there for you when you need it most.

FAQ

What does Homestate Insurance cover?

Homestate Insurance provides coverage for homes, rental properties, condominiums, and mobile homes. Coverage options include basic coverage, moderate coverage, and comprehensive coverage, as well as additional coverage options such as earthquake insurance, flood insurance, and jewelry and fine art coverage.

Where is Homestate Insurance available?

Homestate Insurance serves customers in the western United States, including California, Arizona, Nevada, Oregon, and Idaho.

How do I get a quote from Homestate Insurance?

You can get a quote from Homestate Insurance by visiting their website or calling their customer service hotline. You will need to provide information about your home, property, and personal belongings to get an accurate quote.

What discounts are available from Homestate Insurance?

Homestate Insurance offers a variety of discounts to help customers save on their insurance premiums. These discounts include loyalty discounts, bundling discounts, and discounts for installing safety features in your home, such as smoke detectors and security systems.

What is the claims process like with Homestate Insurance?

If you need to file a claim with Homestate Insurance, you can do so online or by calling their claims hotline. A claims adjuster will be assigned to your case and will guide you through the process of assessing the damage to your home or property and determining the payout amount. Homestate Insurance strives to process claims quickly and efficiently, so you can get back to your normal life as soon as possible.

Overall, Homestate Insurance is an excellent choice for homeowners and property owners who are looking for affordable and reliable insurance coverage. With a range of coverage options, top-notch customer service, and a deep understanding of the unique risks and challenges that homeowners face in the western United States, Homestate Insurance is a trusted name in the insurance industry.