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21st Century home insurance review

Offers standard and high-risk home insurance policies through partner insurers.

  • Get a quote if you already have car insurance with 21st Century.
  • Pick something else if you want to work directly with your insurer.
  • Homeowners needing nonstandard home insurance can find coverage.

All 50 states

Available states

24/7 claims

Online quotes



  • Accepts most home types
  • Discount with 21st Century auto insurance
  • Strong coverage options


  • Home insurance is outsourced to another company
  • Poor customer reviews
  • No choice on which company
New home discount discount Yes
New homeowner discount No
Home safety features discount No
New policy discount No
Bundling discount Yes
No claims discount Yes
Other discounts Senior
Personal property coverage Yes
Valuable personal property Yes
Theft coverage No
Fire coverage No
Flood coverage No
Identity theft coverage Yes
Homesharing No
Dwelling coverage No

Review by

Andrew Flueckiger is a licensed insurance agent and Certified Insurance Counselor with experience in insurance and finance. A graduate of Indiana University, Andrew contributes a wealth of knowledge and experience to Finder. When Andrew isn’t writing, reading or practicing insurance, he can be found spending time with his family and playing the guitar.

Expert review

21st Century offers home insurance through another Farmer’s Insurance affiliated company, Foremost, as well as a nonaffiliated company called Homesite.

Homesite may be worth getting a quote from since you can do it online. Foremost specializes in homes that are hard to insure with a standard company.

What home insurance coverage does 21st Century offer?

21st Century offers home insurance through Foremost Insurance. Both 21st Century and Foremost are subsidiary companies of the Farmers Insurance Group.

In places that Foremost doesn’t offer home insurance, 21st Century will redirect you to a different company called Homesite, which is not directly affiliated with 21st Century and is a part of American Family Insurance.

This means that you can start the process of getting home insurance on 21st Century’s website, but your actual insurance company will be either Foremost or Homesite. Fortunately, you can still get a 10% discount on your home insurance for having your auto insurance with 21st Century.

Foremost and Homesite offer the following home insurance coverage options:

  • Named and open peril coverage on your home, which gives you a choice of how many things your home is covered for.
  • Coverage on homes that don’t normally qualify for insurance, such as homes in disrepair or that have had multiple claims within the last few years.
  • Replacement cost coverage on your home or contents
  • Personal liability
  • Extended replacement cost up to 50% more than your home’s replacement cost
  • Valuable personal property
  • Identity theft coverage up to $15,000
  • Water backup coverage
  • Mobile homes

What home insurance discounts can I get?

Both Foremost and Homesite are quite limited on the discounts they offer, but saving money is still possible in several different ways:

  • Bundling discount. Save 10% on your home insurance by having your auto coverage with 21st Century.
  • New homebuyer discount. If you’re moving to a new-to-you house and insuring your home purchase with Homesite, you can get a discount.
  • Claims-free discount. Save money if you haven’t had a claim in the past five years.
  • Senior discount. Available if you’re at least 50 years old.

21st Century pros and cons


  • Accepts most home types and conditions. Between Foremost and Homesite, you should be able to get insurance on your home, no matter what type of condition it’s in.
  • Packaged discount with 21st Century auto insurance. Despite 21st Century not actually insuring the homes, you can still enjoy a 10% discount on your home insurance if your auto is with 21st Century.
  • Online quoting with Homesite. If you’re redirected to Homesite, you can start a quote by yourself and get an idea of what the premium will be. Foremost doesn’t offer online quoting.
  • Strong lineup of coverage options. Both Foremost and Homesite offer a solid variety of home insurance coverage options.


  • Not underwritten by 21st Century. 21st Century’s home insurance is outsourced to Foremost and Homesite, meaning it doesn’t have any direct control on rates, customer service or claims.
  • Poor customer reviews. Neither Foremost nor Homesite receive positive online reviews, be they for customer service or claims service.
  • No choice of company. You can’t choose between Foremost and Homesite, at least through 21st Century’s website. You’ll be redirected to one or the other and will need to contact the other company to get a quote.

How to apply for 21st Century home insurance

Start the application process on 21st Century’s website, but then you’ll be redirected to either Foremost or Homesite to continue with the application.

Foremost: Call 800-903-8114 to get a quote.

Homesite: If you’re redirected to Homesite’s website, you can get an online quote. If you’d like to speak with someone first, call its service center at 800-947-0713. For an online quote:

  1. Enter your ZIP on Homesite’s home page and choose Start a Quote.
  2. Enter your personal information, such as name, contact information and date of birth, then select Start Home Quote.
  3. Fill out your home information, such as its age and square footage, and hit Continue after each step.
  4. Review your selected coverage options. If you want to change anything, you can customize your coverage options and select Recalculate.
  5. Finalize your policy options and choose Continue.
  6. Input your mortgage company’s information and payment info, then hit Complete Purchase.

What info do I need to apply for home insurance with 21st Century?

Whether you’re getting a home quote from Foremost or Homefirst, you’ll likely need these items on hand:

  • Name
  • Address
  • Prior address if you recently moved
  • Phone number
  • Marital status
  • Occupation
  • Prior insurance company
  • Prior claims in the last five years
  • Mortgage information
  • Type of house
  • Age of house
  • Age of roof
  • Year of home updates
  • Square footage
  • Detached structures
  • Dogs owned
  • Valuables you want to insure

21st Century home insurance alternatives

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Lemonade home insurance
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USAA home insurance
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Enjoy great rates and wide coverage with USAA. Available to military members and family.
Allstate home insurance
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Protect your home and belongings and save even more by bundling insurance with Allstate.
Kin home insurance
Get coverage fast with policies designed to protect coastal homes.
Policygenius home insurance
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This online marketplace does most of the work for you, matching you with quotes from 14 highly rated home insurers.
Liberty Mutual home insurance
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Invest in affordable insurance that protects your home and your property from damage no matter where you live.

Compare up to 4 providers

Before making a decision, compare your options with other home insurance companies.

Frequently asked questions

Why doesn’t 21st Century directly offer home insurance?

Not all insurance companies offer home, auto, business or life insurance. Many companies start out only doing car insurance, like 21st Century, and make agreements with other insurance companies that do home-only insurance, like Foremost and Homesite.

Which states offer home insurance through 21st Century?

Homesite can insure homes in all 50 states, while Foremost operates in 47.

How do I file a home insurance claim online?

File a claim online with both Homesite and Foremost. If you want to call it in, you can call Homesite at 866-621-4823 or Foremost at 800-527-3907.

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