Headquartered in San Francisco, California, Esurance was founded in 1998. Esurance is currently a subsidiary of Allstate, and holds a 2014 JD Power and Associates rating of 2 out of 5 for overall customer satisfaction. Esurance specializes in vehicle, and property insurance.
Esurance offers a variety of specific auto insurance discounts to their customers so be sure you’re taking advantage of all the savings you’re eligible for by contacting your current Esurance agent or unlocking them on Insurify! You could save with a:
|Discount Type||Discount %|
|Anti-lock Brake Discount||up to 33%|
|Anti-Theft Device Discount||up to 25%|
|Defensive Driver Discount||up to 25%|
|Good Driver Discount||Varies|
|Good Student Discount||up to 5%|
|Multiple Policy Discount||up to 15%|
|Multiple Vehicle Discount||up to 5%|
|Organization Discount||up to 5%|
|Passive Restraint Discount||Varies|
|Prepay Discount||up to 10%|
|Provider Switch Discount||up to 40%|
|Roadside Assistance Discount||up to 10%|
|Starting your auto quote online discount||Varies|
|Paid in full discount||Varies|
|Accident Free Discount||Varies|
|Home Owner Discount||Varies|
|Signing documents when you buy online discount||Varies|
|Driving Habits Discount||Varies|
Esurance has been offering its customers with exceptional service for over 15 years. Their insurance agents are available for customer support 24 hours a day, 7 days a week, 365 days a year. Their mobile app makes it easier for you to manage your policy, make payments, and file a claim. Filing can also be done online or over the phone. In certain states they even provide photo claims and video appraisals if you have an accident. Esurance’s technological innovation doesn’t stop there. They offer DriveSafe, a mobile app that monitors your teen’s driving habits and smartphone usage; RepairView which lets you monitor your car’s repair process online; What If Calculator that allows you to estimate your premium if you were to file a claim or get a ticket; and Fuelcaster which allows you to find the best deal on gas in your area.
|Incident Forgiveness||Your premiums won't increase simply due to a trafic citation.|
|Loss of Use Coverage||Covers you in the case you can't use your vehicle due to an accident.|
|Mechanical Breakdown Insurance||Covers you for mehcanical breakdowns/issues your vehicle may face.|
|Emergency Assistance Coverage||Adds extended coverage for emergency expenses such as lodging, meals and transportation if you're involved in an accident more than 25 miles from your home.|
|Road Side Assistance||Typically adds coverage for towing, tire changes, lockout services, and more|
|Rental Reimbursment||Reimburses the per day cost of a rental car (daily and maximum reimbursement may vary)|
|Gap Insurance||If your vehicle is loaned or leased and totaled, Gap insurance may pay for the difference between the cash value of the vehicle and the unpaid balance of the loan or lease.|
|Original Equiptment Manufacturer Coverage||If you need repairs, are you okay with the car parts being replaced with anything other than the original manufacturer’s parts?|
Esurance offers a wide variety of car insurance options focused on liability, vehicle-based, and medical coverages so that you can build a policy that suits your needs and budget.
Esurance provides insurance coverage for a variety of bikes including motorcycles, scooters, mopeds, street-sport bikes, high-performance bikes, limited-production and custom bikes, cruisers, touring and sport-touring bikes, vintage bikes, motocross bikes, off-road/dual-purpose bikes, and ATVs.
Generally, an Esurance motorcycle policy will include the following coverages:
There are many reasons people ride all-terrain vehicles (ATV), so Esurance provides a variety of coverage options and limits to suit your riding needs. Coverages for ATV’s include:
Esurance offers boat and watercraft insurance through a partner insurance carrier in order to provide coverage for you jet skis, WaveRunners™, sailboats, dinghy runabouts (when insured with another primary boat), cabin cruisers, pontoons, fishing boats, and family runabouts.
Customize your Esurance boat policy with the following coverages:
Depending on what state you live in, Esurance cannot insure extremely large, expensive, or powerful boats, houseboats, amphibious land boats, hovercrafts, airboats, homemade boats, motorless boats, boats that fail to meet U.S. Coast Guard regulations, boats with wooden hulls, and boats owned by more than 2 people.
Your RV is so much more than a car, so it needs more than an auto insurance policy to protect it. Esurance offers a variety of insurance coverage options to suit your specific camper or motorhome needs and uses including:
Optional RV insurance coverages:
Esurance will only insure motorhomes, camper, and RV’s that include permanently installed cooking appliances, bathroom, refrigeration, self-contained heating and air conditioning, drinkable water supply, and 110-125 volt electric system.
Esurance offers snowmobile insurance under the umbrella of their motorcycle insurance policies. You can customize your snowmobile coverage based on your experience level so you can get affordable rates whether your speeding through the snow every weekend or only a few times a year.
While snowmobile insurance isn’t legally required in every state, it’s highly recommended that you have the following coverages:
Esurance has partnered with Hagerty to provide classic car insurance that covers more than just vintage vehicles. You can get protection for your modified, limited edition cars, classic trucks, vintage motorcycles, exotics and even military vehicles.
Esurance and Hagerty provides standard coverage like liability, collision, and comprehensive, but they also offer numerous additional, specialty coverages including:
Esurance provides commercial auto insurance through a partnership with Commercial Insurance.NET to provide coverage for a variety of work vehicles. Esurance can provide commercial auto insurance for regular cars and SUVs, pickup trucks, utility vans, bucket trucks, catering trucks, refrigerator trucks, stakebed trucks, light and medium weight dump trucks, and box trucks.
Your personal car insurance policy will not protect vehicles you use for business purposes. Luckily, a commercial auto policy through Esurance can provide:
Additional commercial auto coverages include:
Protect your home and everything in it with an Esurance homeowners policy. A standard home insurance policy (also known as an HO-3 policy) can cover you from losses caused by fires or lightning, windstorms, hail, explosions, riots, aircrafts, vehicles, smoke, theft or vandalism, falling objects, weight of ice, snow, or sleet, and freezing of plumbing or other household systems.
A home insurance policy with Esurance typically offers:
Optional homeowners coverages include:
Esurance offers a variety of condo insurance coverage options so you can protect what your condo association’s insurance doesn’t. Your condo association insurance will typically cover structures outside of your unit such as the walls, ceilings, and common areas.
Also known as an HO-6 policy, your personal condo insurance is meant to cover things specific to your unit including:
An Esurance renters insurance policy will provide protection for your personal belongings whether you’re renting a house, apartment, or condo. Your landlord’s insurance will not cover your personal belongings, but rather the building’s exterior structure. So, it’s up to you to protect your belongings and valuables with:
Additional renters insurance coverage options include:
A standard home insurance policy doesn’t cover flood damage so it’s important to have a separate insurance policy through Esurance and the National Flood Insurance Program.
Flood insurance will only cover damages directly related to a flood. If that is the case, your insurance will provide coverage for:
Esurance offers umbrella insurance, which acts as a secondary liability policy if you should exceed your home and auto insurance liability limits after you’re sued for an at-fault accident.
A personal umbrella policy through Esurance will provide:
Your policy can also cover:
In order to qualify for an Esurance umbrella insurance policy you must first have:
Esurance offers a variety of health insurance plans through their trusted partners. In general, your health insurance will help cover:
Esurance offers a variety of life insurance policies meant to support your family in the event of your accidental death. Esurance makes term life insurance affordable and flexible for young, healthy families by letting them choose their policy term (1 to 30 years). They also offer whole and universal life policies.
With the help of their trusted partners, an Esurance life insurance will typically help you cover funeral expenses, your children's college tuitions and, mortgage payments.
Esurance has partnered with Petplan with to provide their customers with pet insurance to reimburse the cost of veterinary bills up to $22,000.
Veterinary treatments that are typically covered include:
Esurance and their trusted insurance partners provide cell phone insurance which covers smartphones (regardless of when they were purchased) from things such as:
Esurance has partnered with BizInsure to offer their customers major coverage types that protect you and your business after an accident, including: