Secured with SHA-256 Encryption
Select Page

Homeowners of America Insurance Company Review

FREE Insurance Comparison

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

Full Bio →

Written by

UPDATED: Mar 18, 2020

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 partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

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

“Homeowners of America Insurance Company
Financial Strength

Compare Insurance Quotes

Secured with SHA-256 Encryption
A young insurance company with less than 15 years in business, Homeowners of America Insurance Company (HOAIC) serves a handful of states with ongoing expansion plans. They focus entirely on home insurance, offering a variety of policy types.

About Homeowner’s of America

HOAIC was founded in 2005 in Delaware, although they did not and still do not write home insurance in that state. Their first home insurance policies were written in Texas, and by 2012 they were among the 20 largest home insurance companies in the state.

They expanded operations to Arizona in 2014 and to South Carolina the following year. They followed that expansion with Georgia and Virginia, and are licensed in most states with plans for further growth in the coming years.

HOAIC writes policies through independent agents. They have a head office in Irving Texas, and the majority of their business is in that state.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

HOAIC Products

HOAIC has a range of home insurance products available in Texas, and in the other states they serve they write only standard homeowner’s insurance (South Carolina is the exception, with Dwelling Fire policies offered as well)

The company website has no description of the policies beyond the name and form type (HO3, for example, the form for standard homeowner’s insurance). Listed for Texas are:

  • Four forms of homeowner’s insurance for owner-occupied residences, with different levels of coverage
  • Four forms of dwelling fire policy, which are intended for rental homes and other non-primary occupancy homes
  • Condo Insurance
  • Renter’s Insurance
  • Flood Insurance, offered through Wright Flood

As mentioned above, in South Carolina the company offers only one form of home insurance, along with two dwelling fire choices. The other states have only one type of home insurance available, which is the standard homeowners (HO3) policy.


There is no rate information for this company nor is online quoting offered, which comes as no surprise given the lack of any policy information on the site.

As a small, agent-driven company we would not expect HOAIC to compete on rates with the major players in the market. Companies like this usually make up for higher rates with a focus on customer service.


HOAIC claims can be filed online or called in via a toll-free line that is available 24/7. An email address is also provided for those that prefer not to use the claim form on the website but still want to submit electronically.

The site provides a general overview of the claims process, promising quick and straightforward processing and providing basic advice on what to do in the event of a loss. It is light on details, but it does provide what a customer will need to get their claim started and get an idea of what to expect.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Ratings and Consumer Reviews

Homeowners of America has an A+ rating with the Better Business Bureau (BBB), where they have been accredited since 2010. There have been 19 complaints filed and closed in the past three years. Three customers have left reviews on the BBB page; one is positive and two are negative. The company does respond to comments.

As far as customer reviews, we were unable to find anything on the usual websites. As a general rule, a lack of reviews is a positive thing for an insurance company, since people are far more likely to leave a review when unhappy than when they are satisfied with the service they have received.

The Bottom Line

There is not really enough information to form a solid opinion of this company. They appear to have a good reputation and are growing pretty quickly, which is a sign that they are doing something right. So far, they are only an option in a few states, but homeowners there may want to compare HOAIC’s rates to other options.

For a list of companies that we recommend, visit our Best Insurance Companies page.

Compare Insurance Quotes

Secured with SHA-256 Encryption

Review Information

Review Date
Homeowners of America Insurance Company
Author Rating

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. I have sold for Home Owners of America for 10 years and I also have my personal home insurance with them.

    From their customer service to their underwriting team to their claims department that is fantastic (and that is not easy to say in this industry.)

    8 months after we built our home we filed an $18,000 hail claim that was handled quickly, efficiently and generously.

  2. – This company is strange and they just increased the deductible to 2% during Apr 2018 without any requests from customer or notification.

    There was an increase in the premium and invoice has been sent that has been received. I filed a claim with recently hit hail storm and noticed that they applied 2% deductible.

    When I called up, they told me that is company wide increment for our area – Collin county.

    How can a company do that without any notification and and I don’t see anyone providing this 2% considering the weather changes in this area.

    Very pathetic experience to go with them and I will not go with them again and do not recommend to anyone. I bought this through Geico and needs to inform them as well.

  3. My name is Dorothy Walton I had insurance with your company up until September 29, 2017, one of your adjusters [Redacted] was my adjuster a tree fell on my roof, the damage was minimal, there was also another hole on my roof where the wind blew the shingles off, he didn’t write that on his estimate. I asked him to process my claim so I could get it fixed. He told me there were other people ahead of me that needed him more, I have to just wait. [Redacted] also said he would put in his report for me to get a new roof and just have the contractor fix the part the tree fell on and pocket the rest. We got into an argument, I sent him an email and threatened to send the email he wrote to his boss, he submitted my claim he also asked me for receipts for the work I already had done so he could submit them also. I sent them to him he said he got them. Submitted them after he submitted my claim. Then, [Redacted] I asked him if he got the receipts that the adjuster had sent he hesitated he said give a couple of days, several days passed I called [Redacted] he still hasn’t returned my call. I sent him an email he put it in the junk file. When I called to cancel my policy [Redacted] replied to the email he retrieved from the junk files and ask me to send the documents so they can be looked at for consideration. I don’t want to have any dealings with a company like this. I’ve asked for my refund check I still gotten it. Is this a part of your company policy? I would like all the money that is owed to me. I will be on my way. Thanks


Leave a Rating

Your email address will not be published. Required fields are marked *