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We are a Property and Casualty Insurance Company headquartered in Boston, MA. Homesite Underwriting Managers LLC (HUM) is headquartered in Holmdel, NJ. You're Home with Us. We offer homeowners insurance designed to do more for responsible homeowners, like you. If you have replacement cost coverage, your insurance company will pay the full cost of repairing or replacing the damaged structure with a building of “like.