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Homeowners of America Insurance Company Review & Complaints: Home Insurance

Homeowners of America Insurance Company offers homeowners, dwelling fire, condo, floor, and renters insurance for Texas residents. Although you cannot get a Homeowners of America Insurance quote online, you can use the website or 24/7 phone line to make Homeowners of America Insurance claims. Our Homeowner of America Insurance Company review explores more about the Irving, Texas company and lists the average annual home insurance rates where Homeowners of America Insurance does business. Learn more.

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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...

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UPDATED: Sep 21, 2020

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Financial Strength

The Highlights

  • Homeowners of America Insurance Company (HOAIC) offers a variety of home insurance policy types.
  • HOAIC has an A+ rating with the Better Business Bureau and has had 19 complaints filed and closed in the past three years.
  • With a head office in Texas, HOAIC is one of the largest home insurance providers in the state.

Homeowners of America Insurance Company (HOAIC) is a young insurance company with less than 15 years in business. HOAIC serves a handful of states with ongoing expansion plans. The company focuses entirely on home insurance coverage, offering a variety of policy types. Keep reading our Homeowners of America Insurance Company review to learn more.

Use our flexible home insurance quote tool to compare home insurance in your area and find the best rates. Just enter your ZIP code and select “Home” in the drop-down box.

About Homeowners of America Insurance Company

HOAIC was founded in 2005 in Delaware. However, the company doesn’t write home insurance policies in that state. Its first home insurance policies were written in Texas, and by 2012 it was among the 20 largest and best insurance companies in the state.

Homeowners of America home insurance will review your customer policy each year to update its database.

Check out this video to get an idea of how home insurance works.

HOAIC expanded operations to Arizona in 2014 and to South Carolina the following year. Expansion to Georgia and Virginia soon followed, and the company is now licensed in most states with plans for further growth in the coming years. So if it isn’t currently possible to buy Homeowners of America home insurance in your state, it should be soon.

The Homeowners of America HOB policy is popular in Texas.

HOAIC has a head office in Irving, Texas, and the majority of its business is conducted in that state. HOAIC writes policies through independent agents.

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HOAIC Insurance Products

HOAIC has a range of home insurance products available in Texas. In the other states it serves, it offers only standard homeowners insurance (South Carolina is the exception, with dwelling fire policies offered as well)

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

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

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.

You can access your account by phone or using your Homeowners of America login on the website.

Homeowners of America Home Insurance Rates

There is no rate information for this company online, nor is online quoting offered, which comes as no surprise given the lack of any policy information on the site, so finding affordable Homeowners of America Insurance Company home insurance may be difficult. Here’s a list of average annual home insurance rates by state.

Average Annual Home Insurance Rates by State
StatesAverage Annual Home Insurance Rates
North Carolina$1,086
South Dakota$1,202
North Dakota$1,253
South Carolina$1,269
National Average$1,211
Get Your Rates Quote Now

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, although you can learn for sure by asking for a Homeowners of America home insurance quote directly from the company.

HOAIC Insurance Claims

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 who prefer not to use the claim form on the website but still want to submit electronically.

If you need to speak with a customer service representative, use the Homeowners of America Insurance Company phone number: 866-407-9896. You can also call the HOAIC claims department at the phone number 866-407-9896.

The website 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’s light on details, but it does provide information on what a customer will need to get their claim started and what to expect.

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Homeowners of America Insurance Company Ratings and Consumer Reviews

Let’s take a look at some Homeowners of America reviews from financial and credit rating agencies. Homeowners of America has an A+ rating with the Better Business Bureau (BBB). There have been 19 complaints filed and closed in the past three years. Three customers have left reviews on the Homeowners of America BBB page.

The National Association of Insurance Commissioners (NAIC) lists the HOAIC as Homeowners of America Ins Co. The company’s current NAIC complaint index is 0.21, which is much lower than average, meaning HOAIC receives few complaints.

Homeowners of America Insurance Company’s A.M. Best rating is not available. We searched J.D. Power’s ratings but didn’t find anything there either. However, Demotech has given Homeowners of America Insurance Company an “A” rating.

As far as customer reviews, we were unable to find anything on the usual websites. 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’re satisfied with the service they’ve received. Thus, the Homeowners of America Insurance rating remains high.

Use the box below to check out home insurance companies in your area and find great home insurance rates near you.

Homeowners of America Insurance Company Reviews: The Bottom Line

There is not enough information to form a definite opinion of this company. HOAIC appears to have a good reputation and it’s growing pretty quickly, which is a sign that it’s doing something right. Homeowners living in states where HOAIC coverage is available should compare its rates to those offered by other companies before purchasing a policy.

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Frequently Asked Questions: Homeowners of America Insurance Company Review

#1 – Is Homeowners of America a good insurance company?

Homeowners of America is not rated by A.M. Best or J.D. Power, but Demotech gave it an “A.”

#2 – What is the best-rated home insurance company?

Amica Mutual, Allstate, and Geico are the top-rated home insurance companies in the United States.


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Homeowners of America Insurance Company
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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


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