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Esurance Property and Casualty Insurance Company: Customer Ratings & Reviews [2024]

Esurance Property and Casualty Insurance Company, with a strong A+ rating from A.M. Best, provides competitive and digital-friendly insurance solutions for auto and business needs.

UPDATED: Apr 23, 2024Fact Checked

Written by:

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

Full Bio →
Written by Michael Leotta

Insurance Operations Specialist

Reviewed by:

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Full Bio →
Reviewed by Zach Fagiano

Licensed Insurance Broker

UPDATED: Apr 23, 2024

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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UPDATED: Apr 23, 2024Fact Checked
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Esurance Property and Casualty Insurance Company

Average Monthly Rate For Good Drivers

$67

A.M. Best Rating:

A+ (Superior)

Complaint Level:

Low

Pros

  • Reputable insurance provider with an A+ rating from A.M. Best
  • Nationwide coverage
  • Competitive pricing
  • Digital-friendly approach
  • Positive customer reviews

Cons

  • Limited availability in some states
  • Primarily operates online
Esurance Property and Casualty Insurance Company, a leading provider of insurance solutions. As a trusted name in the industry, Esurance has earned an A+ (Superior) rating from A.M. Best, reflecting their commitment to providing reliable coverage to customers. In this article, we will delve into the company's history, mission, products, services, pricing, discounts, customer reviews, and more. Whether you're a homeowner, renter, or driver, Esurance offers a wide range of insurance options to meet your needs. Join us as we explore the pros and cons of Esurance, and help you make an informed decision for your insurance needs.

Esurance Property and Casualty Insurance Company is a reputable insurance provider with a strong A+ rating from A.M. Best. Offering a variety of insurance products and services, Esurance is known for its competitive pricing and digital-friendly approach.

While it may have limited availability in some states and primarily operates online, Esurance’s nationwide coverage, discounts for qualifying customers, and positive customer reviews make it a compelling choice for those seeking reliable insurance coverage for their property and casualty needs.

Read More: Top Home Insurance Providers

What You Should Know About Esurance, Inc.

Company Contact Information:

  • Esurance Property and Casualty Insurance Company
  • Website: www.esurance.com
  • Phone: 1-800-378-7262

Related Parent or Child Companies:

  • Esurance is a subsidiary of Allstate Insurance Company.

Financial Ratings:

  • Esurance has an A+ (Superior) rating from A.M. Best, which reflects their strong financial stability and ability to meet their insurance obligations.

Customer Service Ratings:

  • Esurance has received mixed customer service ratings, with some customers reporting positive experiences while others have expressed concerns about online-centric customer service options.

Claims Information:

  • Esurance offers a straightforward claims process through their website and mobile app, allowing customers to file and track claims online or via phone.

Company Apps:

  • Esurance offers a user-friendly mobile app, available for both iOS and Android platforms, that allows customers to manage their policies, file claims, and access roadside assistance, among other features. The app is widely regarded for its ease of use and convenience for policyholders.

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Esurance, Inc. Insurance Coverage Options

Esurance provides a variety of coverage options to suit the needs of their customers. Some of the main coverage options offered by the company include:

  • Auto insurance: Esurance offers auto insurance coverage, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage.
  • Homeowners insurance: Esurance offers homeowners insurance coverage, which includes dwelling coverage, other structures coverage, personal property coverage, loss of use coverage, and liability coverage.
  • Renters insurance: Esurance offers renters insurance coverage, including personal property coverage, loss of use coverage, and liability coverage.
  • Condo insurance: Esurance provides condo insurance coverage, including coverage for the interior structure, personal property, loss of use, and liability.
  • Motorcycle insurance: Esurance offers motorcycle insurance coverage, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
  • RV insurance: Esurance provides RV insurance coverage, including coverage for motorhomes, travel trailers, and campers, with options for liability coverage, collision coverage, comprehensive coverage, and more.
  • Boat insurance: Esurance offers boat insurance coverage, including liability coverage, physical damage coverage, and coverage for accessories and personal belongings.
  • Umbrella insurance: Esurance provides umbrella insurance coverage, which offers additional liability protection beyond the limits of other primary policies.

Note: Coverage options and availability may vary by state and policy. It’s recommended to check with Esurance directly to confirm coverage details in your specific location.

Read more: Esurance Auto Insurance Review

Esurance, Inc. Insurance Rates Breakdown

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Driver ProfileEsurance Property and CasualtyNational Average
Clean Record$83$119
1+ Ticket$117$147
1+ Accident$146$173
DUI$196$209
Poor Credit$143$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Esurance, Inc. Discounts Available

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DiscountsEsurance Property and Casualty
Anti Theft8%
Good Student12%
Low Mileage10%
Paperless6%
Safe Driver13%
Senior Driver8%

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Esurance offers a range of discounts to qualifying customers, helping them save on their insurance premiums. Some of the discounts offered by the company include:

  • Multi-policy discount: Customers who bundle their property and casualty insurance with Esurance may be eligible for a discount.
  • Safe driver discount: Customers with a clean driving record and no recent accidents or violations may qualify for a safe driver discount.
  • Good student discount: Students who maintain good grades in school may be eligible for a discount on their insurance premiums.
  • Multi-car discount: Insuring multiple vehicles with Esurance may qualify customers for a multi-car discount.
  • Homeowners discount: Homeowners who also insure their property with Esurance may be eligible for a homeowners discount.
  • Safety feature discount: Vehicles equipped with safety features such as anti-theft devices or airbags may qualify for a safety feature discount.
  • Paid-in-full discount: Customers who pay their premiums in full at the start of their policy term may be eligible for a paid-in-full discount.
  • Online discount: Policyholders who choose to manage their policy online and opt for paperless billing may be eligible for an online discount.

Note: Availability of discounts may vary by state and policy. It’s recommended to check with Esurance directly to confirm eligibility and details of discounts in your specific location.

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How Esurance, Inc. Ranks Among Providers

Esurance Property and Casualty Insurance Company operates in a competitive insurance market, with several main competitors in the industry. Some of the company’s main competitors include:

  • Geico: Geico, short for Government Employees Insurance Company, is a well-known insurance company that offers a wide range of insurance products, including auto, home, renters, motorcycle, and more. Geico is known for its catchy advertising campaigns and competitive rates.
  • Progressive: Progressive is another major player in the insurance industry, offering a variety of coverage options, including auto, home, renters, motorcycle, boat, and more. Progressive is known for its innovative approach to insurance, such as its Snapshot program that uses telematics to monitor driving habits and potentially offer discounts based on safe driving behavior.
  • State Farm: State Farm is a popular insurance company that offers a wide range of insurance products, including auto, home, renters, life, and more. State Farm is known for its extensive network of agents and personalized service, with a strong emphasis on customer relationships.
  • Allstate: Allstate is a well-known insurance company that offers a variety of coverage options, including auto, home, renters, motorcycle, boat, and more. Allstate is known for its comprehensive coverage options and features, such as its Drivewise program that rewards safe driving behavior.
  • Nationwide: Nationwide is another major insurance company that offers a variety of coverage options, including auto, home, renters, motorcycle, boat, and more. Nationwide is known for its wide range of insurance products and services, with a focus on customer satisfaction and personalized coverage options.

Note: Competitors may vary by location and specific insurance products offered. It’s recommended to research and compare different insurance companies to find the one that best fits your individual needs and requirements.

Frequently Asked Questions

What states does Esurance Property and Casualty Insurance Company offer coverage in?

Esurance Property and Casualty Insurance Company offers coverage in multiple states across the United States. For specific information on the states where they operate, it’s best to visit their website or contact their customer service.

How can I qualify for discounts with Esurance Property and Casualty Insurance Company?

Esurance Property and Casualty Insurance Company offers various discounts to eligible customers, which may include safe driving discounts, multi-policy discounts, bundling discounts, and more. The specific qualification criteria for each discount may vary, and it’s best to check with the company or review their website for detailed information on how to qualify.

What types of coverage options does Esurance Property and Casualty Insurance Company offer?

Esurance Property and Casualty Insurance Company offers a range of coverage options, including auto insurance, home insurance, renters insurance, motorcycle insurance, and more. They also offer additional coverage options such as roadside assistance, rental car coverage, and more. It’s recommended to review their website or contact their customer service for detailed information on their coverage options.

How can I contact Esurance Property and Casualty Insurance Company for customer service or claims assistance?

Esurance Property and Casualty Insurance Company provides multiple contact options for customer service and claims assistance, including phone, email, and online chat. Their website or policy documents typically have detailed contact information, including phone numbers and email addresses, for different types of inquiries.

What are the financial ratings of Esurance Property and Casualty Insurance Company?

Esurance Property and Casualty Insurance Company’s financial ratings can vary and may be subject to change. It’s recommended to refer to reputable financial rating agencies, such as A.M. Best, for the most up-to-date and accurate information on the company’s financial strength and stability.

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Written by:

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

Full Bio →
Written by Michael Leotta

Insurance Operations Specialist

Reviewed by:

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Full Bio →
Reviewed by Zach Fagiano

Licensed Insurance Broker

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Esurance, Inc.

3.98 (1,525 reviews)
1
February 8, 2024

Brian777

0 star

I pay 300 a month for full coverage , it’s been a month since I had my car totaled customer service is awful I’m still without a car they have not paid for my car offer to pay anything worst insurance ever
1
September 25, 2023

Neal_in_California

CAUTION - WATCH YOU BACK

esurance was good - until they decided to bail from California. They failed to notify me when my payment was due, then cancelled my policy and refused to renew. I signed up for text message notification, but they didn't notify me. They said yes, you signed up, but turns out there was one final step we didn't tell you about, sorry, bye. So now I find I have been driving without insurance and didn't even know it - until the DMV told me!!
1
April 29, 2023

Hicham

Don't go with them

Bad customer service they charge Lot of money when cancel your policy .they charge me $140 butter look for good insurance company
1
April 13, 2023

Brb40par007_

Claims are not handled properly

My car was involved in attempted car theft on February 22nd at my apartment complex located at [REDACTED ADDRESS] [REDACTED NAME],VA [REDACTED ZIP CODE]. The individual that attempted to steal my car destroyed my back window and ignition housing. I was able to submit a claim the same day. The problem is that my car was delivered to West Broad Hyundai on February 27th. The dealership since February 27th to March 20th. They could not get in con...
My car was involved in attempted car theft on February 22nd at my apartment complex located at [REDACTED ADDRESS] [REDACTED NAME],VA [REDACTED ZIP CODE]. The individual that attempted to steal my car destroyed my back window and ignition housing. I was able to submit a claim the same day. The problem is that my car was delivered to West Broad Hyundai on February 27th. The dealership since February 27th to March 20th. They could not get in contact with my insurance company to make the necessary repairs. Once they got in contact with Esurance, they they had a disagreement with payment. Esurance did not want to honor the dealership's quote to repair my vehicle. The dealership and the insurance company has a back and fourth battle on cost. ESURANCE told me they was going to find another service location to find me another service station. They found me a service station on March 27th. Esurance promise me that I will get my car in timely fashion so they allowed me to get a rental car for a short period of time. Now that it is April 13th and I most return the rental car back in to Enterprise. The problem is that Loyalty Collision had no information about my car nor had no contact with my insurance company. My insurance failed to provide them with the necessary information and payment to the service station to repair my car. I think this is unprofessional that I have been without a vehicle for 2months and my Esurance company is not going to let keep the rental car until I get my car back. If I have to turn in my rental car then I will not have no transportation to get to work which can cause me to lose my job
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1
September 29, 2022

Therep

Very Poor Claims Service

As a person only dealing with the claims process I can honestly say they are very poor in claim response time. This is a California policy. I have seen a month pass before they respond to an accident claim. No call backs after many, many calls.
1
September 20, 2022

Mick3y

RUN! DONT INSURE YOUR CAR HERE.

This has been the worst experience I have ever had, I was in a no-fault accident on May 27th. It is now 9/20/2022. I have called multiple times since my accident, and I have emailed the claims department. After calling to complain multiple times, 9/20 was the first day I was told that there was never a complaint entered for me? I have been transferred to multiple VM and have received no response from the supervisor or the adjuster. The records sh...
This has been the worst experience I have ever had, I was in a no-fault accident on May 27th. It is now 9/20/2022. I have called multiple times since my accident, and I have emailed the claims department. After calling to complain multiple times, 9/20 was the first day I was told that there was never a complaint entered for me? I have been transferred to multiple VM and have received no response from the supervisor or the adjuster. The records show that I have called continuously month after month with no response. I have no idea what my next steps should be or if something is needed from me. This is my life, It is very unsettling and disheartening that this company has gotten away with doing this to multiple people. Not having a vehicle has affected me very negatively and it's very sad that the company could care less about its customers. I am so hurt by this and it has caused me a lot of stress
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1
September 6, 2022

Dana_Whicker

VERY poor customer service and communication.

I am not a policy holder, but am the victim of a car accident and the driver was insured with Esurance. As of 7 full days of the accident I have not heard one word from the adjuster even though I called and left at least 2 voicemails per day and 2 emails. I have contact the company again to speak to a supervisor just to be transferred to the same adjuster who now has a full voicemail box. These people don't know if I am okay, need a rental car, n...
I am not a policy holder, but am the victim of a car accident and the driver was insured with Esurance. As of 7 full days of the accident I have not heard one word from the adjuster even though I called and left at least 2 voicemails per day and 2 emails. I have contact the company again to speak to a supervisor just to be transferred to the same adjuster who now has a full voicemail box. These people don't know if I am okay, need a rental car, nothing. Although I hate to be this way I had to Lawyer up.
Read More
1
July 21, 2022

gt080845

Claims adjusters never call or respond to messages

Esurance is the worst insurance company I have ever dealt with. The adjuster on my claim [REDACTED NAME], has ignored repeated request to call me to handle my claim. Esurance doesn’t seem to know what supervisors are on the job, or on extended leave and not monitoring their messages. Esurance keeps connecting me to [REDACTED NAME], who is on extended leave. They have no one monitoring the calls and messages for the employees who make themse...
Esurance is the worst insurance company I have ever dealt with. The adjuster on my claim [REDACTED NAME], has ignored repeated request to call me to handle my claim. Esurance doesn’t seem to know what supervisors are on the job, or on extended leave and not monitoring their messages. Esurance keeps connecting me to [REDACTED NAME], who is on extended leave. They have no one monitoring the calls and messages for the employees who make themselves unavailable or are not at work, on vacation or somehow not there to supervise. Their voice system is like being in the 7th ring of [REDACTED]. If all you want is an insurance card to prove you have coverage Esurance is the place to go. If you want an insurer that actually provides the coverage stay away from Esurance. I have provided names of the people who aren’t doing their jobs so Esurance will know who they are. Don’t harass them. Just know to avoid them if Esurance wants to assign them to your claim. I can’t provide all the names but at least 10 different people have done a crappy job of getting this going. I only want a phone call so I get things moving. The problem is really Esurance as a company. They take your money and that’s all. I called Esurance 20 times (exact count). I called [REDACTED NAME] at least 8 times & left messages which were not returned. Got transferred to non-working telephone 5 times.
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1
July 5, 2022

ghfdsdfhh

horrible customer service. will cancel with no notice.

didn't tell me when my policy was getting cancelled and illegally canceled on the day i was starting a new job. don't go to Esurance if you value your time and dignity.
1
January 21, 2022

Josepi

Buyer Beware!!

Buyer Beware!! I got Esurance to quote a policy for 3 cars and 4 drivers. Their rate was significantly lower than my current policy. A 6 month payment was made and I was all set to cancel the old policy when I looked closer at the quote - they dropped comp and collision on 2 cars! No wonder their rates were lower!! I called back to cancel. Too late! They grabbed $1250+ from my checking account! Previous comparison quotes with other companies w...
Buyer Beware!! I got Esurance to quote a policy for 3 cars and 4 drivers. Their rate was significantly lower than my current policy. A 6 month payment was made and I was all set to cancel the old policy when I looked closer at the quote - they dropped comp and collision on 2 cars! No wonder their rates were lower!! I called back to cancel. Too late! They grabbed $1250+ from my checking account! Previous comparison quotes with other companies were always apples to apples - same levels and types of coverage. Not this BS of dropping coverage to quote a lower rate. With Comp and Collision added back in the premiums jumped nearly $1000!! Deceptive insurance practices!! Buyer Beware!!
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