What type of coverage is available for homeowners insurance?

The policy covers your home and personal property, loss of use, medical payments and personal liability.

Why should I go for Swyfft’s homeowners insurance policy?

Swyfft uses patented analytical methods to assess the data to provide premium quotes for your home and property in just few seconds.

I already have home insurance with Swyfft and would like to insure my second home with Swyfft as well. Is this possible?

Yes, it is possible to insure the second property. However, it shouldn’t be rented to others.

Swyfft Insurance Review 2023

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Last Updated: April 20, 2023

This insurance review of Swyfft Insurance is provided to help you decide whether this insurance carrier is the right one for you.

Swyfft Insurance Overview

Reviews: Google (713), Clearsurance (49), Total (762)
Rating: Google (4.4), Clearsurance (1.40), Average (2.9 out of 5)
Phone number: +1 855-479-9338
Address: North Tower, 44 Headquarters Plaza 4th Floor, Morristown, NJ 07960, United States

About

Founded in 2014, Swyfft insurance is an insurtech company that specializes in homeowners’ insurance and commercial insurance coverage. As an insurtech company, Swyfft Insurance uses precise data-driven “patented analytical methods” to provide real-time estimates for home insurance.

Swyfft Insurance, technically, is not an insurance company. The company is a managing general agent (MGA) appointed by ClearBlue Insurance to sell its policies.

An MGA is an insurance agent/broker appointed by any insurance company to sell only their policies. However, it is also granted a little more authority than a regular insurance agent. So, although Swyfft is not an insurance company, they still can appoint other agents to sell policies, underwrite coverages, and settle claims on ClearBlue’s behalf.

Popular Features

Comprehensive coverage for all policies Doesn’t sell any insurance policy without comprehensive coverage
Online claim reporting 24/7 fast and easy online claim portals
No-cost dispatched repairs Covers any costs incurred as a result of emergency repairs or services provided

High-tech rick assessment for homes	Uses big data to analyze the property information for assessment
Instant quotes	Provides quotes within 10 seconds
Comprehensive coverage for all policies	Doesn’t sell any insurance policy without comprehensive coverage
Online claim reporting	24/7 fast and easy online claim portals
No-cost dispatched repairs	Covers any costs incurred as a result of emergency repairs or services provided

Swyfft Insurance – Pros and Cons

Provides quotes in 10 seconds
Basic homeowners policy includes replacement cost coverage
Provides 24/7 claims reporting through online and phone

Provides service in only 9 states
Expensive premiums
Doesn’t provide discount information on its official website
Doesn’t underwrite its policies

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Swyfft Insurance Products And Services

Swyfft Insurance offers three different categories of coverages:

Home Insurance Policy

Swyfft Insurance is most known for their home insurance. The company focuses primarily on single-family dwellings. While they provide coverage for second houses, it does not cover rented dwellings. They also offer coverage similar to most standard policies but also offer adjustable prices. The standard homeowners’ insurance covers dwelling value, other structures, personal property, loss of use, personal responsibility, and medical expenditures.

Standard Policy

Other Common Endorsements
Dwelling Additional Replacement Cost
Other Structures Sinkhole Coverage
Personal Property Personal Injury
Living Expenses Enhanced Personal Property Coverage
Personal Liability Identity Fraud Coverage
Medical Expenses

Other Common Endorsements

Dwelling Additional Replacement Cost
Other Structures Sinkhole Coverage
Personal Property Personal Injury
Living Expenses Enhanced Personal Property Coverage
Personal Liability Identity Fraud Coverage

Commercial Insurance Policy

Non-residential and multi-family dwellings such as apartment buildings, condos, professional buildings, and even shopping centers can be covered by commercial insurance in certain places.

E&S (Excess and Surplus)

E&S Business Insurance handles all high-risk or uncommon coverage demands.

Discounts

Swyfft Insurance doesn’t mention any discount offers on their official website. You’ll need to contact their customer service department to learn about available discounts.

Swyfft Insurance Reviews and Ratings

A Sampling Of Customer Reviews

The process of communication was done vis email and all in all it was very smooth for me. I got a pretty fast response from the company. What’s cherry on top is that the prices they offer beat everybody’s prices. What a win-win situation!

It’s been 3 years since I had the policy with me and I haven’t filed claim once. So, far no complaints or accolades.

I have received no communication on my natural disaster claim. I’ve called multiple times and have had no response, email, or other form of communication for over 30 days. I’ve never had a worse experience with an insurance provider. My desk adjuster has been replaced several times, but no one has contacted me. Nobody responds to something that isn’t appropriate!

My experience with Swyfft hasn’t been a pleasant one. It’s been a nightmare having an untrained claim adjuster amid a declared disaster. When I inquired about his supervisor, he flatly refused. Unless I call every day, he never looks at anything I upload. Emails will not be answered. Sets a timeline for when I’ll receive information, then calls the next day to tell he needs more information. This procedure has been a nightmare! I’ve left multiple messages with the claims center asking for supervisors to call, but no one has called.

It’s a good company; they’re knowledgeable and always respond quickly when you need assistance!

Source: Clearsurance

Third-Party Reviews

Swyfft insurance has been in the business for more than 6 years now. During this period, the insurance carrier has garnered quite some popularity. While they’ve received excellent ratings from both BBB and A.M. Best, their customers have left mixed reviews with some being unhappy with their experiences.

Organization	Swyfft Rating	Description
A.M. Best	A- (Excellent)	A financially stable organization that can fulfill their ongoing insurance obligations
The Better Business Bureau (BBB)	A (Excellent)	BBB’s high ratings indicate that the business is honest in its operations and address customer complaints swiftly.

Major Takeaway

Swyfft is a fairly new company on the insurance market but has already accomplished what very few traditional insurance providers have. For anyone looking to get a quick quote, Swyfft would definitely impress. While there isn’t much information available about the company, it makes up for it through customer reviews and third-party reviews. The reviews also show that customers have been fairly satisfied with their service. But not knowing about their partner company and data sources makes choosing this carrier more difficult.

Finally, for anyone looking for affordable homeowners’ insurance, we’d recommend comparing Swyfft with other carriers.

Frequently Asked Question

What type of coverage is available for homeowners insurance?

The policy covers your home and personal property, loss of use, medical payments and personal liability.
Why should I go for Swyfft’s homeowners insurance policy?

Swyfft uses patented analytical methods to assess the data to provide premium quotes for your home and property in just few seconds.
I already have home insurance with Swyfft and would like to insure my second home with Swyfft as well. Is this possible?

Yes, it is possible to insure the second property. However, it shouldn’t be rented to others.

Sources

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Swyfft Insurance Review 2023

Swyfft Insurance Overview