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Insurify Review

Friday, August 12th

2022 Home Insurance Company Reviews

Insurify Review 4 Star Rating

Insurify

4 Star Rating
  • One-stop shopping
  • Real quotes from multiple providers
  • Purchase online or over the phone
  • Get a quote in five minutes

If you're wondering which insurance company is right for you, with the best policy and price, that can take a lot of calling around to different insurance agencies to get quotes. Insurify makes it easy: input your information once and they get you multiple quotes from several different companies.

Apply online

Insurify encourages you to compare home insurance quotes online. It can save you money, time, and stress because you enter your information just once. If you were to compare on your own, you'd enter your information on a few sites, or you might have to look for an agent and call them, taking up much more than five minutes. With Insurify's one-stop-shopping, you can see your quote comparisons on one platform and have no risk of spam.

Which company will you get a quote from?

Insurify says that they will give you quotes from reputable insurance companies such as Country Financial, USAA, and Allstate. Reviewers have said they've gotten quotes from other companies such as Geico, Progressive, and State Farm through Insurify, even though those aren't listed on the site as their agents.

Standard policy

With the companies that Insurify has, the standard policy should include your dwelling and other structures on your property in case of theft or other damage, or destruction such as fire, even if your home is deemed uninhabitable. Your personal property is also covered, up to a certain amount, usually a percentage of the value of your dwelling. There's additional living expenses that are covered if you live in your home while you wait for the repairs related to the claim.

Add-ons

Earthquakes and floods are typically not covered and will require an add-on policy if you live in areas prone to these natural disasters.

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Discounts

There are discounts for bundling home and auto. If you are claim-free within a certain period of time, they'll reward you with a discount; if you pay your premium in full rather than making payments, there's another discount for that. And if you stick with them for a long period of time, you could receive yet another discount. If you are a member of an HOA, live in a gated community, live in a new home, are a non-smoker (if you are an older homeowner), or if you are married or widowed, there's more opportunity for discounts. Even more ways to save money include a monitored burglar system or monitored fire alarm system, or if you have made improvements to your home - you got it, there could be even more savings.

Cost

On Insurify's homepage, they let you know what a person's premium could be under certain circumstances. Because where you live and how you live can affect your premium, here are some of Insurify's examples of premiums, from low to high. Homes near a fire department cost $1,969, homes with a metal roof $1,989, homes with a fire alarm $1,996, homes near a coastline $2,047, homes with a swimming pool $2,057, and homeowners with poor credit $6,875 per year. Obviously you'll need to put in all of your particulars -what if you live near a coastline AND have a metal roof? - to find out what your home insurance policy will cost.

Customer experience

Consumers are happy with Insurify, as their quote tool is easy to use and doesn't take much time. They like that it's one-stop shopping and they can make a tedious chore simple, plus Insurify claims to save users an average of $585 per year just by doing price comparison. The downside? Because you give your personal information in order to get a quote, you may find yourself subscribed to email lists and getting unsolicited follow-up calls from local agents.

Fast rate-comparison features

Insurify can get you a quote in five minutes from various insurance companies. You might get a five-minute quote from one insurer on your own online, but you won't get a quote comparison unless you use a service like Insurify. We like that the process of choosing the best price is quick and easy. Just keep in mind that, because your information is likely shared, you might get quite a few phone calls and even more emails from a plethora of companies.

Remember to compare

If you choose Insurify and find a quote and policy you like, we highly suggest you still compare the policies of rival companies for features, limits and deductibles. You don't want to find out when you make a claim that your specific reason for damage isn't covered. In other words, Insurify can get you there, but it's still up to you to choose the best policy and insurer for your home.

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Which Company Offers the Best Home Insurance?

Your home is probably one of the most important and valuable assets you have. Whether you've purchased a new home or have paid off the mortgage years ago - congrats on either! - your home is an asset you'll want to protect and not be without.

If you have a mortgage on your home, the lending company may require you to show proof of insurance to assure both them and yourself that you are protected, financially and otherwise, in case of a disaster causing damage or complete destruction. Even if you have paid for your home in full, a disaster that leaves your home damaged or uninhabitable could cost thousands to repair or hundreds of thousands to replace. Most people don't have that cash on hand; or if they do, that's not how they would choose to spend it.

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Home Insurance Company FAQ

If you have a mortgage on your home, your lender will more than likely require that you carry homeowners insurance. They will also require you to carry enough of it to rebuild your home if it were completely destroyed. When you have a mortgage, you don't completely own the home - the lender does, until you pay it off. That's why they require insurance. If it were to be damaged or destroyed, the bank needs to know that it will be taken care of.
There's regular homeowners insurance if you own your home, renters insurance if you're renting a free-standing home or an apartment, insurance for mobile homes, and more. When you start shopping for a home insurance policy, you'll be asked a series of questions that will determine what type of coverage is right for you.
Although the specifics can vary by company, there are a few things you can expect in a typical policy. First, your dwelling, or home, is covered, and so would a shed or other building on the lot. Your personal belongings would be covered, and medical costs of any guest injured on your property. Policies usually will pay for a hotel and meals from restaurants if you are displaced due to complete destruction of your home, if what happened is covered under the policy. You should also be protected in case of fire, storm, theft, or vandalism.
Yes and no. There are limits. When you purchase insurance, you and your agent will decide on the financial limits the policy will cover. A lower limit is cheaper, but it won't give you the replacement home you might think it will. A higher limit costs more, but will give you a better replacement home and personal belongings. Be aware that if your home is valued at $250,000, you can't get limits of $1,000,000 and get a million dollar home to replace yours. Your limits need to pretty much match what you currently have.
When you get a policy, you choose your deductible. This is the dollar amount you will be responsible for with each claim. If you want the insurance company to pay for it all, you will choose $0 deductible. Realize that having a low deductible will raise your rates. If you choose a higher deductible, such as $1,000, you'll have to pay that in the event of a disaster but your policy rates are lower. Choosing your deductible and your premium price is a balancing act.
Not all of your valuables may be covered under the standard policy, so you might choose what they call add-on policies for them. Let the insurer know if you have specific pieces to protect, and there will be a rider for each piece covering the amount it's worth. Although these add-ons might be expensive, it will be much more costly if something happened to them and they weren't listed in a separate policy.
You can usually get a discount for having zero claims on your history, living in a neighborhood with an HOA, being a senior, being a non-smoker, bundling with your auto insurance, signing on before your old policy expires, and more. If you have fire/smoke detectors and/or burglar alarms that are directly connected to emergency services (911), most policies will come with a significant discount there too. Be sure to ask your insurance company for ways to save money on your coverage.
Believe it or not, it's super-easy to get coverage online. Some insurers offer 24/7 live-person customer service, and others offer a live person only during typical business hours. But, if you don't want to talk to a person and you'd rather take care of all research and transactions from your phone or laptop, there are several companies that offer that. You can even get a quote in five minutes via the web or their app.
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Continued from above...

It's fast and easy to get a policy online. For many, it's a great decision. However, when it comes time to make a claim, you might not have purchased the right policy for you. For example, you may not have considered flood or earthquake insurance. You might not have insured your very valuable items individually, and if they're stolen, they're probably not covered.

On the other hand, if you work with an agent to get your policy, they will probably ask you a myriad of questions to get the policy you need. Online can be great, just be sure you know what you want in a policy.

Here are a few things to consider when purchasing a homeowners policy.

  • Standard coverage. What does the standard policy include?
  • Add-ons you might need. You might need insurance for floods, earthquakes, or hurricanes. You might want to insure specific valuables under a separate policy so you know they are covered..
  • The limits of the coverage. Limits are the maximum amount they would pay out per situation. Make sure the limits are high enough to cover your costs.
  • Your deductible. This is the financial responsibility you will have per occurrence. If you don't want to pay much per occurrence, you'll lower your deductible, but pay more in your yearly premium.
  • Discounts. There can be a few discounts that could pertain to you, depending on your situation and depending on the insurance company. You might qualify for a discount if you have had no claims, have a new house, are a senior citizen, have an HOA, and the list goes on.
  • Reputation of the company. More reliable companies might cost you more, and the less reliable companies might be super inexpensive. Beware: you might get what you pay for.

To provide you with the best information so that you can get the right policy and best insurance company for you, TopConsumerReviews.com has evaluated and ranked the most popular sources of homeowners insurance available today. Getting the right policy is like cuddling with a warm blanket, since you'll have that assurance you'll be covered if any damage or destruction to your home. The process of choosing a homeowners insurance policy might have seemed daunting and you may have avoided it for as long as you can, but we can help make it easy.

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