What are people saying about One Protect home insurance?

You can read customer feedback on the Official Trustpilot Homeprotect Reviews page.

Overview of Trustpilot Feedback

• Overall Rating: Rated Excellent on Trustpilot with over 20,000 customer reviews.
• Positive Feedback: Customers frequently praise the fast and easy online quote process, competitive pricing compared to existing renewals, and helpful human customer support.
• Negative Feedback: Some users report delays in receiving official policy documents or slow customer service response times when handling specific post-purchase requests.

Key Details About Homeprotect

• Underwriter: Policies are underwritten by AXA Insurance.
• Specialist Cover: They focus on non-standard properties, unoccupied homes, listed buildings, and unique circumstances.
• Standard Inclusions: Basic legal expenses and a 24/7 home emergency line are included as standard.

OneInsure is an insurance management and comparison platform that helps users buy, track, and service policies from multiple providers under one roof.

💡 Core Benefits

• Centralized Policy Storage
  • Digitally store all your policies in one app.
• Automated Renewal Reminders
  • Get alerts 30 days before policies expire.
• End-to-End Claim Support
  • Receive expert help during claim settlements.
• Free Post-Purchase Services
  • Access 60+ free services even for external policies.
• Nominee Protection Alerts
  • Inform family members about critical policy holdings.
• Fast Tax Certificates
  • Generate returns-ready tax documentation in hours.

Based on recent industry surveys like J.D. Power's property and satisfaction studies, the lowest-ranking homeowners insurance companies for customer satisfaction and claims include Universal Direct, Tower Hill Insurance, National General, Homesite, and Foremost.

Lowest-Ranking Home Insurers

• Universal Direct: Ranks at the very bottom of major customer satisfaction and claims surveys due to slow response times and service issues.
• Tower Hill Insurance: Frequently scores near the bottom for overall customer experience and policyholder satisfaction.
• National General: Scores poorly on consumer satisfaction metrics regarding communication and payout handling.
• Homesite: Routinely lands at the bottom of J.D. Power claims satisfaction rankings for property coverage.
• Foremost: Receives below-average customer satisfaction scores for handling claims and policy value.

The national average cost of homeowners insurance for a $400,000 house is about $3,158 per year, or roughly $263 a month.

Key Cost Details

• Replacement Cost vs. Market Value: Insurance covers the cost to rebuild your home, not what you paid for it or its real estate market value.
• Standard Policy Limits: This average rate usually includes $400,000 in dwelling coverage, $300,000 in liability protection, and a $1,000 deductible.

Cost Variations by Location

Where your home is located drastically changes your insurance price due to local weather risks and disaster exposure.

• Cheapest States: States like Hawaii average around $844 a year, and Vermont averages about $1,311 a year.
• Most Expensive States: High-risk areas like Florida can average over $9,283 a year. You can estimate your specific regional costs using the Insure.com $400K Calculator.

Ways to Lower Your Premium

• Raise your deductible: Moving from a $1,000 deductible to a $2,500 deductible lowers your monthly payment.
• Bundle policies: Combine your home and auto insurance with the same company.
• Improve home safety: Install impact-resistant roofs, updated security systems, or modern electrical wiring.

Dave Ramsey recommends choosing Replacement Cost Value (RCV) coverage, carrying high deductibles, and setting liability limits of at least $300,000 to $500,000.

Core Coverage Recommendations

• Dwelling Coverage: Get enough to rebuild your home completely using RCV (not Actual Cash Value), aiming for extended or guaranteed replacement cost coverage to handle rising local building costs.
• Personal Property: Choose RCV for belongings so you can buy new items rather than getting paid depreciated garage-sale values.
• Liability: Set personal liability limits between $300,000 and $500,000, and add an umbrella policy if your net worth exceeds $500,000.
• Additional Living Expenses: Include coverage for extra living costs (around 20% to 30% of your dwelling limit) while your home is repaired or rebuilt.
• Exclusions: Purchase separate endorsements or riders for major natural disasters like floods, earthquakes, hurricanes, or sinkholes, as standard policies exclude them.

Policy and Saving Strategies

• Raise Deductibles: Choose a high deductible that fits comfortably inside your fully funded emergency fund to lower your monthly premium.
• Skip Home Warranties: Avoid paying for home warranties; instead, put that money directly into your emergency fund to pay for minor house repairs.
• Bundle Policies: Combine your homeowners insurance with an official Ramsey-approved home and auto bundle or shop through independent brokers like Zander Insurance to compare multiple carrier rates.
• Limit Small Claims: Avoid filing claims for minor repairs, as frequent claims can drive up your insurance rates.