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Assurance Review

Reviews 946
Assurance IQ, Inc.
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Assurance IQ, Inc.
Reviews 946
Michael Graw
May. 31, 2021
3 min read
Michael Graw
Assurance IQ, Inc. Summary
Assurance is an online-only home insurer that harnesses the power of technology to help you get a policy that’s right for you. The platform runs an AI-powered algorithm that uses data about you and your home to deliver customized quotes. You can also get help choosing a policy thanks to free one-on-one consultation with insurance professionals. The entire process takes place online, which makes it easier to get a policy right away.


  • Get one-on-one help with choosing a policy
  • 24/7 customer service


  • Must apply for a quote to get pricing
  • Online application not available in all states

Assurance IQ, Inc. at a glance

Editorial score

Variety of coverage options

This category measures the overall quality of the product

Customizable rates and services

This category measures the overall quality of the product

Online experience and customer support

This category measures the overall quality of the product

Quote time

This category measures the overall quality of the product

Direct Insurer?

This category measures the overall quality of the product

Suitable For?

Assurance is a home insurer could be right for you  if you want to apply online and get a policy for a home right away. In most states, you can get insurance quotes online in minutes and complete the purchase process without leaving the Assurance website. The company notes that it’s typically possible to get covered in less than 24 hours. 

The company can also be a good choice if you need some help figuring out what policy is right for your home. Assurance offers free, unlimited access to insurance consultants when applying for a quote.

Assurance also offers savings if you bundle multiple types of insurance. So, you may be able to save money with this provider if you purchase a car or health insurance policy along with your home insurance policy.

Assurance IQ, Inc. Assurance IQ, Inc. View Rates

What Coverage Includes

Assurance offers a single home insurance plan that’s designed to cover all aspects of your home. The policy covers most damage to your property, liability protection, and temporary living expenses. Note that Assurance doesn’t provide much detail about exactly what’s included in it’s policy until you request a quote for your state.

  • Property damage
  • Temporary living expenses
  • Liability protection

Additional Coverage

Assurance offers additional coverage for your property and belongings in some states. Pricing for add-ons is by quote only. You’ll also need to speak with an insurance agent to get the appropriate rider for your insurance policy.

Application Process

Assurance is an online-first insurer that leverages technology to match you with a home insurance policy. The company has an in-house AI-powered algorithm that generates quotes based on data. The platform uses basic information about you, such as your age and credit score, as well as publicly available information about your home in order to offer policy options.

All you have to do is answer a few questions online about your address and credit score, and Assurance will generate a quote from that. If you’re happy with the quote, you can complete the process online - unlike other insurance providers, Assurance doesn’t force you to talk with an insurance agent. 

That said, if you do want help determining what policy you need, Assurance offers it. You can call anytime to request a one-on-one consultation with an insurance agent and get advice about your home insurance quotes. 

Once you’ve submitted the questionnaire, Assurance will display quotes for your policy options instantly. In many states, you can purchase online without having to talk to an agent. You can also call to find out more about your different quote options from an insurance consultant.

One thing to note is that online applications are not yet available in some states. If this is the case in your state, you will have to call an Assurance insurance agent in order to get a quote and purchase home insurance.


Assurance offers a discount of up to 20% when you bundle your home insurance policy with an auto insurance policy. The exact discount will vary based on the auto policy you choose.

How Safe is it?

Assurance has an A+ rating from the Better Business Bureau. In addition, the company is a subsidiary of Prudential, one of the largest asset management firms in the US.

Assurance is transparent about what data it collects from you and why it needs that information. The website is secured with antivirus software and SSL encryption to keep your data safe.

Customer support

Assurance provides 24/7 customer support by phone and email. We found the company’s insurance agents to be very knowledgeable about the policies, although they couldn’t offer much detail on how the AI algorithm weighs different factors when generating quotes.

The company website doesn’t offer additional information about home insurance but it does include an FAQs section.

Phone: 844-334-1948

Email: contactus@assurance.com


Assurance is an online home insurance provider that takes the complexity out of getting a home insurance policy. The platform uses an AI algorithm that considers publicly available information about your home to deliver customized policy options. You can buy online in minutes without having to go through an insurance agent. If you’re not sure what you need, Assurance offers 24/7 customer support and free one-on-one consultations with insurance agents to ensure you’re getting the right quote for you. 

Assurance IQ, Inc. Assurance IQ, Inc. View Rates

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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