How To Get Home Insurance Quotes Online - 2019

How To Get Home Insurance Quotes Online - 2019

Getting accurate home insurance quotes online is hard. Many sites provide quote estimates, but will require a phone call to finish up the purchase. The initial quotes are often wrong because they don't ask enough questions to get a very accurate quote. 

If you care about privacy, a digital experience, and quotes that won't be jumping around when you are ready to click buy, look no further. There are only 4 companies available for customers that want it all:

  1. Accurate Quotes
  2. Buy Online
  3. No Phone Calls
  4. No Selling Personal Information (eww)

Let's dive in!

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1. Young Alfred - Best for Comparing Quotes

Young Alfred has created an online shopping experience for very accurate home insurance quotes. They work directly with over 30 insurance carriers and allow customers to purchase without making a phone call. What's more, they can even help you find bundled discounts if you have both home and auto insurance. They also provide a detailed summary of how one policy compares to another. While Young Alfred is not an insurance carrier, they are experts on the product and can recommend coverages specific to your personal risks and needs.

What Quotes Look Like From Young Alfred:

2. Hippo - Best for Customer Service

Hippo believes that homeowners deserve better, cheaper, modern home insurance. They deliver a fast experience to quote and buy online. They also offer a little extra coverage in certain areas like Water Backup and additional coverage for computers. Their customer service is top notch as the company is built of both experienced technologists and insurance experts!

Hippo is primarily backed by three carriers:

What Quotes Look Like From Hippo:

3. Lemonade - Best for Mobile Natives

Lemonade has turned the traditional insurance model on its head by trying to align itself with the policyholders. Lemonade takes a flat fee upfront (around 25%) on the total policy premium to run the business and pays anything leftover from non-catrosphic losses to a charity group of your choice. This makes them a certified B-corporation

If you buy a policy through Lemonade, you have to download their app to manage your policy and retrieve information on the details of your policy - like your declarations page or proof of insurance. They use their app to manage everything from policy updates to processing claims. Mobile natives will love it

Lemonade is backed by Lemonade Inc. and their reinsurance partners. Lemonade Inc. has a Demotech rating of A.

What Quotes Look Like From Lemonade:

4. Swyfft - Best for Fast Quotes

Swyfft gets to a lot of answers normally asked on a home insurance application by using LIDAR (light detection and ranging data)...

It's actually pretty cool! Swyfft can scan and analyze the area around your home and price your home insurance accordingly. They also connect to 3rd party data sources that provide home feature characteristics (like when your home was built) to generate your quote. Swyfft claims all this data allows them to price the policy more economically and save you 10-20% on your home insurance premium. Swyfft uses Clear Blue Insurance Company as their primary insurance carrier. Clear Blue Insurance is rated with an AM Best rating of A-

They are by far the fastest way to get a quote. All they need is your address! 

What Quotes Look Like From Swyfft:

Four Great Online Options For Home Quotes

Getting home insurance online hasn't been easy, but in 2019 it's a real thing! Customers have said they want a way to get accurate quotes online and the insurtechs have answered. 

Before you buy, make sure you know what is covered in a home insurance policy and special discounts available for your home.

Good luck shopping!

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