Community Event

About Us

A Community-Driven Approach To Personal Property Insurance

Community Event

Homebound Insurance Exchange was established to offer protection driven by and for its community of members. Our reciprocal exchange is a unique, but increasingly popular insurance model, designed to empower and protect you. By purchasing insurance policies through Homebound, you and other members contribute to the success of the company. This structure allows you to benefit directly from our success, creating a closer alignment between your needs and our service.

Homebound Insurance Exchange has been assigned a Financial Stability Rating (FSR) of A, Exceptional by Demotech, Inc. Demotech, Inc. is a highly regarded financial analysis firm and its Financial Stability Ratings® (FSRs) are a leading indicator of an insurer’s financial stability. Demotech assigns FSRs of A, Exceptional, to insurers that possess financial stability related to maintaining positive policyholders' surplus, liquidity of invested assets, and an acceptable level of financial leverage.

Reciprocal Insurance

Benefits of Homebound Insurance Exchange

With Homebound, you’re not just a policyholder but a valued member with ownership advantages. Our community-driven approach ensures that your needs are at the forefront, providing personalized coverage and shared financial benefits.

Homebound delivers stability and reliability, offering competitive rates and robust protection in a market where many traditional insurers face challenges.

  • 1.

    Community of Membership

    Enjoy the benefits of participating in a reciprocal exchange, such as member surplus contributions that help build financial strength

  • 2.

    Dedicated, Skillful Service

    Homebound partners with experienced personal property insurance agents to ensure you receive the best coverage available

  • 3.

    Flexible Coverage Options

    Homebound’s reciprocal model allows us to offer competitive rates and customized coverage options to meet your insurance needs

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