Homeowners of America Insurance Company Review & Complaints: Home Insurance (2025)

The Highlights

• Homeowners of America Insurance Company (HOAIC) is a tried-and-true insurance company that offers a variety of home insurance policy types.
• The company 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, the company is one of the largest home insurance providers in the state.

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

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

What is Homeowners of America Insurance Company?

HOAIC was founded in 2005 in Delaware. However, the insurance agency 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.

The insurer 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 insurance policy is popular in Texas.

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

What insurance products does the company offer?

The company has a range of home insurance products and coverage options 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 dwelling coverage 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 insurer offers only one form of home insurance, along with two dwelling fire choices. The other states have only one type of coverage for home insurance available, which is the (HO3) standard home insurance policy.

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

Are the company’s home insurance rates competitive?

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 home insurance may be difficult. Here’s a list of average annual home insurance rates by state.

Average Annual Home Insurance Rates by State

As a small, agent-driven company, we would not expect the company to compete on rates in the homeowners insurance market with other major players, who generally provide more homeowners insurance discounts and better cash discounts. Homeowners insurance 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 insurance quote directly from the company and see if they do provide discounts you are eligible for.

Homeowners of America Insurance Company Claims Process

Ease of Filing a Claim

Homeowners of America Insurance Company provides multiple options for filing claims, ensuring convenience for policyholders. You can file a claim through their user-friendly online platform, over the phone via their 24/7 hotline, or by using their dedicated mobile app. This flexibility makes it easy for customers to initiate the claims process in a way that suits their preferences.

Average Claim Processing Time

The average claim processing time is a crucial factor for policyholders, as it directly impacts their experience during a stressful situation. While specific data may not be available in the provided content, Homeowners of America Insurance Company emphasizes quick and straightforward claim processing.

To get a clearer picture of their claim processing efficiency, it’s advisable to refer to their official website or contact their customer service for up-to-date information.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable in assessing an insurance company’s performance. Unfortunately, the content does not include specific customer feedback on claim resolutions and payouts. To gain insights into customer satisfaction in this regard, it’s recommended to explore online reviews, testimonials, or contact the company directly for references and statistics.

Digital and Technological Features of Homeowners of America Insurance Company

Mobile App Features and Functionality

Homeowners of America Insurance Company offers a dedicated mobile app that provides policyholders with convenient access to various features and functionalities.

While the content does not delve into the specifics of the app, you can visit the company’s official website or download the app to explore its capabilities. Common features may include policy management, claims filing, payment processing, and access to resources.

Online Account Management Capabilities

Effective online account management is essential for policyholders to have control over their insurance policies. The content mentions that you can access your account online, but it does not provide detailed information about the capabilities offered.

To fully understand the online account management features, visit the company’s official website or reach out to their customer support for a comprehensive overview.

Digital Tools and Resources

The content briefly mentions that Homeowners of America Insurance Company provides digital tools and resources. To leverage these tools and resources effectively, it is recommended to explore the company’s website or contact their customer service for a detailed list of available digital assets.

These may include educational materials, calculators, FAQs, and other resources to assist policyholders in making informed decisions about their insurance needs.

Are the company’s ratings and consumer reviews positive?

Let’s take a look at some of the company’s reviews from financial and credit rating agencies. The company 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 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 the insurer receives few complaints.

The 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 the 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 company’s 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.

What’s the bottom line?

There is not enough information to form a definite opinion of this company. The insurer Homeowners of America Holding Corporation appears to have a good reputation and it growing pretty quickly, which is a sign that it’s doing something right. Homeowners living in states where HOAIC property damage coverage is available should compare its rates to those offered by other companies before purchasing a homeowners insurance policy. Comparing providers is the best way to save on the cost of homeowners insurance.