Policygenius

• Policies from Top Insurers
• Simple Quote Interface
• Work with Salaried, Licensed Agents
• Continued Annual Help
• Helpful Educational Resources

Policies from Top Insurers

Policygenius only works with insurers that have received Excellent or Superior ratings from A.M. Best. These financial strength ratings are an indicator of how likely an insurer will be able to meet its claims obligations.

You'll want to buy from a highly rated insurance company because you don't want a situation where you make a claim and the insurer can't pay it. Fortunately, Policygenius does this vetting for you, which means you can spend your time comparing policies and rates.

Simple Quote Interface

Another advantage of working with Policygenius is using its simple quote interface. First, you'll provide information on your home and living situation. Then, you'll choose a coverage amount. Once you've completed this information, you'll provide your email for a curated list of policies to compare.

Once you've received an email, you can work with one of Policygenius's experts to evaluate policies, rates, and discounts. The expert will also help you complete the application paperwork.

After you've submitted the paperwork, a home inspector will visit your home as a final step. Once the inspection is complete, your insurance policy will be finalized and ready for your signature.

While buying home insurance is not an instant process and cannot be done fully online, Policygenius makes the process as simple as possible so you can find the best policy that meets your needs.

Work with Salaried, Licensed Agents

Policygenius employs licensed insurance agents to help you with your questions and applications. You can work with these agents for free because Policygenius as an agency earns commissions from insurers when it sells policies. Policygenius works with many insurers and none pay for preferential treatment, so you don't have to worry much about failing to consider options or bias when you work with this agency.

Continued Annual Help

One of the nicest benefits of buying homeowners insurance through Policygenius is that its agents will reshop your policy every year to see if there's a better policy or rate. This continued assistance and re-evaluation makes it easy for you to save money each on your home insurance annually.

Helpful Educational Resources

Policygenius shows its dedication to making insurance accessible and easy by providing many educational resources on its blog. You can learn about the many different types of homeowners insurance (including dwelling, personal property, additional living expenses, and personal liability policies) and savings tips.

These educational resources can help you get a better sense of what you need and how policies work.

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• Process Not Fully Online
• Doesn't Work with All Insurers

Process Not Fully Online

One drawback to homeowners insurance is that you can't complete the process fully online. Once you receive a list of quotes and insurance options from Policygenius, you'll need to have a conversation with one of its agents to complete an application.

Before you can purchase a policy, you'll have to have a home inspection. While these aspects of the application and purchase process can be inconvenient, these steps are due to the nature of home insurance. Working with Policygenius still simplifies your shopping process because it makes it easy to compare quotes and policies.

Doesn't Work with All Insurers

Policygenius doesn't work with all insurers. So, if there's a particular insurance carrier you'd like to work with, check to see if Policygenius works with them.

It's a good thing that Policgenius doesn't work with all insurers. The company only works with insurers with high financial strength ratings because high ratings mean a high likelihood that the insurer will be able to pay your claim.