Curious about Elephant Insurance while hunting for the right homeowners’ policy? You’re in good company. This former auto insurance disruptor has entered the home insurance market in a handful of U.S. states, blending its reputation for sharp rates with dwelling coverage. But does it really stack up for your needs?
Dive into this full breakdown – we’ll unpack standard coverages, ballpark pricing, and head-to-head comparisons with big-name rivals. Perfect for new homeowners or anyone eyeing a switch, this guide arms you with the facts for a smart pick.
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• Elephant Insurance is a |
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• Elephant home insurance |
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• Bundling home and auto |
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• Elephant tends to be most |
What Is Elephant Home Insurance?
Elephant Insurance Services, LLC is a U.S.-based insurance
company that operates as a subsidiary of Admiral Group plc, a FTSE 100-listed
insurer headquartered in the United Kingdom. Admiral Group has a long track
record in the insurance industry, which lends Elephant a degree of financial
stability that smaller regional insurers may lack.
Elephant launched in the United States primarily as an auto
insurance provider. Over time, the company has extended its offerings to
include renters insurance and home insurance, aiming to provide bundled
coverage solutions to its existing customer base.
Currently, Elephant home insurance is available in a limited
number of states. The company’s footprint is not as wide as national carriers
like State Farm or Allstate, so availability is an important first step to
check before investing time in a quote.
States Where Elephant Home Insurance Is Available
As of the most recent available information, Elephant
Insurance offers home insurance in states including:
- Virginia
- Indiana
- Illinois
- Ohio
- Tennessee
- Georgia
- Texas
Availability may change, and Elephant periodically updates its
service area. Always verify your state’s eligibility directly with Elephant
before requesting a quote.
What Does Elephant Home Insurance Cover?
A standard Elephant homeowners’ insurance policy typically
follows the HO-3 policy structure, which is the most common form of home
insurance in the United States. Here’s a breakdown of what is generally
included:
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Coverage |
What It |
Notes |
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Dwelling Coverage (Coverage |
Physical structure of your |
Covers open perils (most |
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Other Structures (Coverage |
Detached garage, fences, |
Usually, 10% of the dwellings |
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Personal Property (Coverage |
Furniture, electronics, |
Named-perils basis; |
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Loss of Use (Coverage D) |
Temporary housing and |
Typically, 20–30% of |
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Personal Liability |
Legal costs if someone is |
Standard limits often start |
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Medical Payments (Coverage |
Medical bills for guests |
Usually $1,000–$5,000 per |
Common Exclusions
Like most homeowners’ insurance policies, Elephant home
insurance generally does NOT cover:
- Flooding (requires a separate flood insurance policy through NFIP or
private insurers) - Earthquakes (requires a separate earthquake endorsement or policy)
- Normal wear and tear or gradual deterioration
- Pest infestations (termites, rodents, insects)
- Sewer backup (may be available as an add-on)
- Intentional damage
Always review the policy declarations page and exclusion list
before purchasing any homeowners’ policy.
Elephant Home Insurance Optional Add-Ons
& Endorsements
Depending on your state and the specific policy, Elephant may
offer optional coverage enhancements, which can include:
- Equipment Breakdown Coverage – Covers sudden mechanical or electrical
failure of household systems and appliances - Water Backup & Sump Pump Overflow – Provides protection against
water damage from backed-up drains or failed sump pumps - Scheduled Personal Property – Increases coverage limits for high-value
items like jewelry, art, or collectibles - Identity Theft Protection – Covers costs associated with recovering from
identity theft
The availability of add-ons may vary by state and policy type.
It’s recommended to ask an Elephant agent directly which endorsements are
available in your area.
How Much Does Elephant Home Insurance Cost?
Home insurance premiums depend on a wide range of factors, and
Elephant Home Insurance is no different. The national average for homeowners’ insurance is approximately $1,200–$1,800 per year for a standard $250,000 dwelling,
though this varies significantly by location, home characteristics, and risk
profile.
Key Factors That Influence Your Elephant Home Insurance Premium
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Factor |
Impact on |
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Location & ZIP Code |
High crime or weather-prone |
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Home’s Age & Condition |
Older homes or outdated |
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Dwelling Coverage Amount |
Higher coverage = higher |
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Deductible Amount |
Higher deductibles |
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Claims History |
Prior claims can increase |
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Credit-Based Insurance |
In most states, a lower |
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Security Features |
Smoke detectors, deadbolts, |
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Multi-Policy Discount |
Bundling home + auto with |
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Bundling your Elephant auto |
Elephant Home Insurance Discounts
Elephant typically offers several discounts to help homeowners
reduce their premiums. Common discounts may include:
- Multi-Policy Discount – Bundle home and auto insurance for potential
savings - New Home Discount – Newer homes may qualify for reduced rates
- Claims-Free Discount – Homeowners with no recent claims history may be
rewarded - Security & Safety Devices – Discounts for homes with burglar alarms,
smoke detectors, or sprinkler systems - Loyalty Discount – Long-term customers may receive additional savings over
time
Discount availability and amounts vary by state. Contact
Elephant directly or get an online quote to see which discounts apply to your
situation.
Elephant Home Insurance vs. Competitors:
How Does It Compare?
To help you evaluate whether Elephant Home Insurance is the right choice, dive into how it generally compares against several well-known providers like State Farm, Allstate, USAA, Travelers, and Erie home insurance. We’ll break down costs, J.D. Power scores, bundle discounts, coverage breadth, and who each shines for
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Provider |
Avg. Annual |
J.D. Power |
Bundle |
Coverage |
Best For |
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Elephant |
Varies by state |
Not rated (smaller carrier) |
Yes — auto bundle |
Moderate |
Existing Elephant auto |
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State Farm |
~$1,500/yr |
829/1,000 |
Yes |
Very broad |
Overall value & service |
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Allstate |
~$1,700/yr |
815/1,000 |
Yes |
Broad |
Add-ons & customization |
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USAA |
~$1,200/yr |
884/1,000 |
Yes |
Very broad |
Military families |
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Travelers |
~$1,400/yr |
800/1,000 |
Yes |
Broad |
Custom coverage needs |
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Erie Insurance |
~$1,100/yr |
856/1,000 |
Yes |
Very broad |
Midwest/East cost savings |
Note: Pricing figures are general market estimates and may
vary significantly based on individual circumstances, property details, and
location. Elephant’s pricing data is more limited due to its regional
availability.
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⚠️ Important |
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Elephant Insurance has not |
How to Get an Elephant Home Insurance Quote
Getting a quote from Elephant is relatively straightforward.
Here’s a general step-by-step process:
- Visit the Elephant Insurance website (elephantauto.com) and navigate to
the home insurance section. - Enter your property address and basic information about your home.
- Provide details, including the year built, square footage, construction
type, and current coverage. - Review coverage options and adjust dwelling limits, deductibles, and
endorsements as needed. - Compare the quote with at least 2–3 other providers before making a
final decision. - If satisfied, finalize the application and arrange your policy start
date.
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• Full property address |
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• Year the home was built |
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• Square footage and number |
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• Type of construction |
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• Roof age and material |
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• Current insurance company |
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• Estimated value of |
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• Any recent home |
Elephant Home Insurance Claims Process
Filing a claim with Elephant Home Insurance generally follows
these steps:
- Report the claim as soon as possible, contact Elephant via phone or
through your online account. - Document the damage, take photos and videos of affected areas and items
before any cleanup or repair. - An adjuster will be assigned to assess the damage either in-person or
via virtual inspection. - Once the claim is reviewed and approved, you’ll receive a settlement
offer based on your coverage terms. - Repairs or replacements are then coordinated based on your policy’s
payment structure.
Elephant’s claims process is similar to that of most standard
homeowners’ insurers. Response times and settlement speed may vary. If you
experience a dispute with a claims decision, you generally have the right to
request an internal appeal or consult your state’s Department of Insurance.
Is Elephant Home Insurance Right for You?
Elephant home insurance may be a strong consideration if:
- You already have or plan to purchase Elephant auto insurance and want to
benefit from a bundled discount. - You live in one of Elephant’s covered states and want a straightforward,
standard homeowners policy. - You’re a value-conscious buyer who prefers a simpler coverage package
without numerous add-ons.
Elephant home insurance may NOT be the best fit if:
- You live outside Elephant’s current service area.
- You need highly customizable coverage with a wide range of optional
riders. - You want a carrier with a nationally recognized customer satisfaction
track record from sources like J.D. Power. - You’re looking for specialty coverage such as high-value home insurance
or farm/ranch policies.
Frequently Asked Questions (FAQs)
Is Elephant a legitimate insurance company?
Yes. Elephant Insurance is a licensed insurer and operates as a subsidiary of Admiral Group plc, a publicly traded and financially stable international insurance company. Elephant is generally considered a legitimate and reputable provider, particularly for auto insurance.
Does Elephant offer flood insurance?
No. Standard Elephant home insurance does not include flood
coverage. Flood insurance is typically purchased separately through the
National Flood Insurance Program (NFIP) or private flood insurance providers.
Can I bundle home and auto insurance with Elephant?
Yes. Elephant offers a multi-policy discount when you bundle
home and auto insurance. This is one of the company’s primary value
propositions for homeowners who are also Elephant auto customers.
How do I cancel my Elephant home insurance policy?
To cancel your Elephant home insurance, contact the company’s
customer service by phone or through your online account. Be aware that
cancellation fees may apply in some cases, and you should arrange replacement
coverage before canceling to avoid a lapse in protection.
Does Elephant home insurance offer replacement cost or actual cash value?
Elephant home insurance policies can typically be structured
to provide replacement cost value (RCV) coverage for the dwelling. Personal
property may be covered on an actual cash value (ACV) basis by default, but you
may be able to upgrade to replacement cost coverage for belongings, ask when
getting your quote.
How does Elephant rate financially?
Elephant Insurance is backed by Admiral Group, which holds
strong financial strength ratings. Admiral Group has an A- (Excellent) rating
from A.M. Best in certain markets. Financial stability is an important factor
when choosing a home insurer, as it relates to the company’s ability to pay
claims.
Is Elephant home insurance cheaper than competitors?
Elephant home insurance pricing varies by state and individual
property characteristics. In states where it operates, Elephant can be
competitively priced, especially for customers who bundle with auto. However,
pricing comparisons should be made on a case-by-case basis, as rates are highly
individualized.
Is Elephant Home Insurance Worth It?
Elephant home insurance occupies a niche but potentially
valuable space in the homeowners’ insurance market. It’s generally best suited
for existing Elephant auto customers looking to consolidate their insurance
with one provider and take advantage of bundling discounts.
For homeowners who prioritize breadth of coverage options,
nationally recognized customer satisfaction ratings, or who live outside
Elephant’s service area, exploring alternative carriers may be worthwhile.
Major national insurers such as State Farm, Travelers, and Erie Insurance offer
wider availability and more robust coverage ecosystems.
That said, if you’re in an eligible state, comparing an
Elephant home insurance quote alongside quotes from 2–3 other providers is a
smart, low-effort way to determine whether Elephant’s pricing and coverage
structure aligns with your needs.
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Get at least three quotes, |
