Swyfft Home Insurance Review

To save you time and money, Swyfft uses AI technology to collect and analyze area information to offer you the best (and most accurate) quote on your home insurance.

J.D. Power Rating
AM Best Rating
Standard & Poor’s
2.3 / 5.0
SimpleScore Swyfft 2.3
Discounts 1
Coverage Options 2
Customer Satisfaction N/A
Support 3
Accessibility 3

Swyftt home insurance takes a unique approach to quoting and providing customers with a homeowners insurance package. Swyfft doesn’t directly insure your home. The company has partnered with reputable insurance carriers to underwrite all policies. Swyfft handles the quoting process, customer service issues and the start of your claims process. The insurance carrier handles the rest.

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    In this article

      The Specs

      PriceThe company claim that almost half of its customers can save 10 to 20% per year on a homeowners policy with Swyftt.
      Best forHomeowners with a poor credit history or other personal factors which may affect their premiums because Swyftt provides quotes based on the property, not the individual.
      Not forAnyone living outside the service area
      States served
      • Alabama
      • California
      • Florida
      • Illinois
      • Massachusetts
      • Nevada
      • New Jersey
      • New York
      • Texas
      • Commercial insurance is available in Florida.
      • Home security system
      • Gated community
      • Claim-free period discounts
      AM Best Rating
      • Swyftt only works with insurance carriers with an AM Best rating of A- or higher.
      • Standout features
      • Get a quote in seconds simply by entering your home’s address
      • Your rate is based on your property and not personal factors
      • Low customer complaints
      • An A+ Better Business Bureau rating

      The claim

      Swyftt homeowners insurance stands out because of its lightning-fast quote and underwriting process. The company collects area data to compare and evaluate using AI technology to quickly and accurately provide you with a quote. It even knows if your dwelling is in a special area such as flood zone or hurricane belt and includes this in your quote. All you need to do is enter an address and Swyftt handles the rest.

      Swyftt also claims to work with insurance providers with an AM Best of A- (Excellent) or higher. The rating is an indicator of an insurer’s financial strength. The higher the rating, the more likely the company is able to pay claims out.

      Find the Best Home Insurance

      Save money on home insurance with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        Is it true?

        We entered a Florida coastal home address, which quickly auto-completed in the search bar. Clicking on “Get Quote” delivered a price in seconds, including hurricane insurance and the option to select a deductible amount, edit the home’s value amount and further customize the policy. Once the information was complete, we received an email quote for Clear Blue Insurance, a provider with an AM Best rating of A-, in roughly one minute.

        We were given the option to pay for the policy using a debit or credit card such as American Express, Discover, Mastercard or Visa. You can also set up the policy to automatically draft payments from a checking account.

        Our deep dive

        Swyfft may provide quotes quickly, but the policies provided are thorough and complete. All Swyftt homeowners insurance policies come with replacement cost coverage for the dwelling and personal property. Here’s a look at all the coverages included:

        • Dwelling to cover the repair or replacement cost of the home’s structure such as framing, roof, flooring, kitchen and bathroom cabinetry and walls.
        • Other structures, which includes property structures not attached to the main house such as a detached garage, storage sheds or a guest house.
        • Personal property to cover the replacement of home contents and belongings of all residents, including children away at college
        • Living expenses reimburses expenses for your household members and pets that were incurred if you needed to stay in temporary housing or a hotel while your home was being repaired to be habitable again
        • Personal liability pays for a defense attorney and covers you against lawsuits for bodily injury or property damage that happened on your property
        • Medical expenses would pay for a guest or visitor’s medical expenses if they were injured on your property

        Cost rundown

        Sean Maher and Richard Trezza, founders of the insuretech company, estimate “almost half of homeowners could save 10-20% per year with Swyfft.” Our quote for a single-family home in Panama City Beach valued at $265,690 came back at $2,690 annually with a 10% hurricane insurance deductible. After plugging in the same information into other insurance websites, prices varied but were generally higher by as much as 25%.

        Cheaper (or free!) alternatives

        You can save on your homeowners insurance by doing a little legwork ahead of time:

        • Shop around: As with all insurance products, shopping around for the best home insurance to compare prices could save you money.
        • Look for discounts: Take advantage of the range of discounts offered by insurance providers. Multi-policy bundles when you insure your car and dwelling in one place, serving in the military or for setting up automatic pay are just a few examples of ways you could save.
        • Add a home security system: Doing so could reduce the chances your home will be broken into. Don’t forget to tell your insurance provider because you might get a discount on your insurance premium.
        • Raise your deductible: The deductible is the amount you’ll pay out of pocket if you file a claim. Raising your deductible lowers your annual premium. If you’re worried about how you’ll cover the amount in case of a claim, put the money you save on your monthly premium into an emergency savings account.

        Find the Best Home Insurance

        Save money on home insurance with our simple comparison tool.

        Matching you with providers.
        We found results in
        Click at least 2-3 companies to find the very best rate.

          The competition

          When you’re looking for the best homeowners insurance options, it’s important to shop around. Here are some competitors to evaluate to see which options are the best for you.

          • Hippo: Offering similar services to Swyftt, Hippo has been around since 2015 and offers homeowners insurance to double the number of states Swyftt provides service in. At this time, you can get a quote in 20 states: Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Maryland, Minnesota, Mississippi, Missouri, Nevada, New Mexico, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah and Wisconsin.
          • Geico: Swyftt and Geico both provide competitive insurance rates but the companies go about it differently. Swyftt bases its rates on the home’s address. Geico may take your credit history and demographic information such as sex, age and marital status into consideration, which may drive up the price of your homeowners insurance.
          • Lemonade: Both companies use technology to determine rates, although Lemonade’s quote process is lengthier. Lemonade provides homeowners and rental insurance coverage in more states and offers customers a smartphone app that handles everything from payments to claims. At this time, Swyfft does not have a smartphone app.
          • Progressive: Like Swyftt, Progressive doesn’t underwrite the homeowners insurance policies it provides quotes on. Swyftt handles customer service and the claims process differently, by being your point of contact on behalf of the insurance provider. In the case of Progressive, once you choose to underwrite the homeowners policy with one of the company’s partnering insurers, you’ll work directly with the insurance provider.

          What others are saying

          Inc says that Swyftt is “using data to majorly disrupt the home insurance industry.” Inc is right that AI makes the experience different than using a traditional method to find insurance.

          According to the Insurance Business Magazine, “Swyfft is offering agents homeowner quotes in five seconds.” While the quote process isn’t long with most companies, the process of shopping around can take time. Swyftt can make that process quicker.

          Cynthia Paez Bowman

          Contributing Writer

          Cynthia Paez Bowman is a finance, real estate and international business journalist. Her work has been featured in Business Jet Traveler, MSN, CheatSheet.com, Bankrate.com and Freshome.com.

          She owns and operates a small digital marketing and public relations firm that works with select startups and women-owned businesses to provide growth and visibility. Cynthia splits her time between Los Angeles, California, and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women’s NGOs about small business development