Insuring your home also means covering everything inside it. With Esurance, your belongings will be protected from theft, fire, and just about anything in between. We'll give you the replacement cost if a covered incident damages your things.

Backed by parent company Allstate, Esurance sells home, auto, renters, and motorcycle insurance throughout the US. Esurance was founded in 1999 in San Francisco, California. Esurance's online quoting process advertises speedy car insurance quotes and low insurance rates.

Esurance has competitive car insurance rates but has a very high level of customer complaints. It also has limited discounts and few optional coverages compared to many competitors. Those who value satisfactory customer service and robust coverage offerings over price would do better elsewhere.

While Allstate owns Esurance, the companies have different approaches to customer service. The major difference between the two is that Esurance focuses more on direct-to-consumer relationships, whereas Allstate relies on a large network of insurance agents.

Standard homeowners insurance policies typically do not include coverage for valuable jewelry, artwork, other collectibles, identity theft protection, or damage caused by an earthquake or a flood.

Homeowners insurance covers damage to your home, property, personal belongings, and other assets in your home. Your homeowners insurance policy may also cover living expenses above your normal cost of living if a covered loss forces you to stay elsewhere while your home is being repaired or rebuilt.

Esurance is so cheap because the company offers a wide variety of discounts that almost anyone can get.

You'll likely have a smoother, speedier claims experience with another insurer. Fortunately, Esurance has a firm financial footing, and customers can be confident that the company will pay out their claims.

Our financial strength rating Esurance's financial strength is rated A+ by A.M. Best*, a leading independent rating organization.

Cheapest for most drivers: Esurance Esurance typically offers cheaper car insurance quotes than Allstate. Average auto insurance rates at Esurance are $555 annually, or $46 per month, for minimum coverage , compared to Allstate's premiums of $734 per year, or $61 per month.

You should never admit any fault or even partial liability for what occurred. Often, the less you say, the better. Don't offer theories about the damage. All repair and replacement costs should be substantiated rather than based on your opinion.

Many things that aren't covered under your standard policy typically result from neglect and a failure to properly maintain the property. Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered.

Many things that aren't covered under your standard policy typically result from neglect and a failure to properly maintain the property. Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered.

In most states, earthquakes, sinkholes, and other earth movements are not covered by your standard policy.

It depends on the claim. A simple property damage claim could be settled in weeks. More complicated claims may take longer. Especially if it's a liability claim and lawsuits are involved — these'd involve several estimates.

Depending on the nature of your claim, you may receive a check directly, or the insurance company may pay vendors on your behalf. The total amount you receive will be based on the amount of coverage in your policy and the specific details of your claim.