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Frequently Asked Questions
Policyholder Services

Q. What can I expect if I become a 21st Century Homeowners Insurance Program customer?
A. A smooth efficient process. Our skilled, experienced Insurance Specialists take information about your home, then guide you through the process of selecting your coverage. They address any questions you may have, then tell you what your premium is. And when you have a claim, you have the added comfort of knowing you are dealing directly with the insurance company.

Q. What payment plans do you make available?
A. We offer payment by credit card (Visa, Mastercard, Discover & American Express), electronic funds transfer from your checking account, mortgage bill, or personal check. You may elect to pay your annual premium in 1 payment or an initial payment of 25% of your annual premium followed by 9 installments. You will be charged a small installment fee for each installment, however you can pay your remaining balance at any time.

Q.Where do I send my payments?
A. Please make check payable to "21st Century Homeowners Insurance Program". All payments should be mailed to:
21st Century Homeowners Insurance Programe
P.O. Box 414356
Boston, MA 02241-4356

Q. When can I reach an Insurance Specialist?
A. Home Insurance Specialists are available to take your call from 8 a.m. to 10 p.m.(EST) Monday through Friday and from 9 a.m. to 3 p.m. (EST) on Saturday at 1-877-834-7532.

Q. What makes 21st Century Homeowners Insurance Program's service better than that of most insurance companies?
A. Focus on customer satisfaction. Meeting your home insurance needs promptly, responsibly and completely is our #1 priority.

  • Our licensed Insurance Specialists to advise you
  • 24-hour claims response for immediate service
  • Home inspectors and claims specialists right in your area
  • Convenient payment options
  • Easy switching with no lapse in coverage

Q.Who am I talking to when I call 21st Century Homeowners Insurance Program?
A. A licensed 21st Century Homeowners Insurance Program Insurance Specialist. They are fully trained in all aspects of home insurance and can assist you with putting together a coverage plan that best suits your individual needs. 

Q. Can I really call with a claim at 2 a.m?
A. You bet! Our claims service is available 24 hours a day, 7 days a week, 365 days a year. Should a problem occur, call us at that moment and we'll help you minimize the damage and solve your immediate needs. Then, if necessary, we will get an adjuster out to your home within hours. In fact, with some claims, your check is issued in 24 hours.

Q.Can I switch to 21st Century Homeowners Insurance Program anytime?
A. Absolutely. There's no need to wait until your current policy expires. Plus, there's no risk whatsoever of a lapse in coverage. Just call 1-877-834-7532 and we'll do the rest.

Q. I'm a first-time homebuyer--can I get 21st Century Homeowners Insurance in time for my closing?
A. Definitely. We can get you a closing binder within 24 hours. All it takes is one call.



*21st Century is not affiliated with Homesite Insurance. The 21st Century Homeowners Insurance Program is underwritten by member companies of the Homesite Insurance group, a leading provider of homeowners, renters and condominium insurance. Member companies include: Homesite Insurance Company, Homesite Indemnity Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Illinois, Homesite Insurance Company of the Midwest, Homesite Insurance Company of New York, Homesite Insurance Company of Pennsylvania, and Homesite Lloyd's of Texas.
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