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Sunday, February 16th
Insurify doesn't provide their own home insurance for customers, but they assist in helping you find it. Their belief is that everyone deserves to get good insurance for an affordable price, so they simplify the process for choosing home, car, pet, health, or life insurance. The company was founded by an MIT graduate out of a desire to eliminate the exasperating, inefficient process of trying to find insurance while wasting time on phone calls and getting inboxes full of spam. Some of their investors include MassMutual, Nationwide, Viola Fintech, MTech Capital, Hearst Ventures, Motive Partners, and Viola Growth.
Compare a big selection of quotes
Although Insurify doesn't provide your home insurance, you can buy it through them. They are licensed in all 50 states, so they boast that when you find a quote through them, you can purchase the coverage without navigating offsite (though we found this to not necessarily be true). Insurify partners with over 70 top insurance companies to get you the largest selection of quotes. They utilize AI and 100-plus real-time API integrations to give you accurate quotes.
Protected information
Insurify says they understand how annoying it is to fill out personal information to get a quote, only to have it sold to another company and come back at you as endless spam. They promise to never charge you to see quotes and they won't hand over any information you give them to someone else. This is commendable and we appreciate this.
Won't always get a quote
To start comparing quotes, provide your zip code on Insurify's website. They'll ask why you're shopping for insurance, what type of home you have, your address, features of your home (foundation type, roof type, # of stories, roof replacement date, cost to replace your home). Once you provide your email and phone number at the end, you'll see a list of companies that you can get a quote from. For us, the companies listed were Progressive, Stillwater, American Family, and Liberty Mutual. Stillwater was the only company that gave us a yearly estimated price and breakdown, but the other companies made us click "Get Quote” and redirected us to their own websites where we then had to continue answering lots of questions. With some companies like Progressive, we ended up having to call a representative by the end and were frustrated that we weren't actually shown a quote online.
Has its limitations
We assume that Insurify does all they can to help you compare quotes between companies, but certain companies (like Progressive in this case) withhold quotes unless they have certain information from you or you reach out to one of their agents. Insurify can only do so much if the companies they're dealing with aren't transparent and make it difficult to get online quotes.
Reviews too good to be true?
When we saw the customer reviews for Insurify, we thought to ourselves, "Now we're talking!” After reading so many poor experiences from customers through other home insurance companies, it was a relief to find somewhere that people really felt like they could rely on someone to help them find the best coverage and save money. However, the reviews are so positive that it makes us unsure of how much to trust them. From what we can tell, many third-party reviews were promoted by the company, so it's possible that there is some incentivization behind them. The Better Business Bureau gives Insurify an "A+” rating, though, which is reassuring.
Give it a try
If you happen to be matched with home insurance companies that will actually provide you quick, transparent quotes through Insurify, then it's a major win. We like what this company aims to do and you have nothing to lose by trying to utilize their service and compare pricing among major insurance companies. Unfortunately, your efforts might not always be fruitful here since some companies make it difficult to get pricing. This isn't a slam dunk solution to finding an insurance plan, but we recommend giving it a try if you have the time.
No one wants to imagine their home getting overrun with water damage, enduring a natural disaster, having a fire destroy their property, or having to deal with theft, but it happens. Everyone should have homeowner's insurance for peace of mind and to be taken care of in case of an emergency or unfortunate occurrence. In fact, it's so important that you can't take out a mortgage anymore unless you can prove you have homeowner's insurance in place.
It makes sense that banks don't want to hand over a loan with the risk that something will happen to the property and render the owner unable to continue paying their mortgage. Since your home is such an important asset, you don't want to risk being responsible for thousands of dollars in costs if unexpected damage or destruction were to occur. Being uninsured in a time of crisis could result in total financial ruin.
Most people don't have enough cash in the bank to cover a major portion of or even the entire cost of their home. It's probably the last thing you want to spend your money on when you're already paying a monthly mortgage. Having good home insurance is the best way to stay financially protected and ensure that you always have what it takes to repair and maintain your house if something goes wrong.
If you're a new homeowner, it may seem a little overwhelming to find an insurance policy. Luckily there are lots of companies available these days for you to choose from. Companies have gotten better at using layman's terms and really spelling out all their policies for you, so that you know what you'll be paying monthly, what the policy covers, and how to make a claim if you need to. Usually a company will offer a few different price ranges you can choose from, depending on how much coverage you think you need, and you can easily compare them to decide what works best with your budget and covers the risks that most threaten your property and surrounding area.
We've done some of the heavy lifting for you here by going over the process different companies require for you to get quotes and reviewing what people have to say about their customer service and follow-through with claims. When it comes to a situation regarding insurance, you don't want to mess around. We can't overstate the importance of being able to rely on a company that's affordable and will hold your hand while you navigate stressful situations.
Since there are quite a few insurance companies to choose from that have different types of policies, keep the following things in mind when choosing who to go with:
Top Consumer Reviews has researched the most important things you'd need to know about choosing a home insurance plan. We hope this information helps you find peace of mind knowing that one of your most valuable assets is protected. We've tried to make things as easy as possible for you to feel confident in your decision about which home insurance company to go with.
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