Blue Sky Coverage Review

Suitable for?

The beauty of working with an insurance agency marketplace is twofold. First of all, you get the benefit of competition-based pricing. Since there are several home insurance providers vying for your business, each will try to offer you the deal with the lowest rates possible. It's a win-win for everyone.

Second of all, Blue Sky Coverage is a totally free service to use. Simply enter your information, and Blue Sky Coverage helps you compare rates from top name brand insurance agencies. So, you can quickly and easily make comparisons of the rates you are quoted and end up finding better rates without having to pay a thing.

Blue Sky Coverage is also a great choice if you are looking for multiple types of insurance policies. A sort of one-stop-shop for insurance needs, Blue Sky Coverage has partners that cover all types of insurance, including auto, home, health, and medicare. What's more, most of these partners will give you a discounted rate if you purchase more than one kind of insurance policy from them. So, it really pays to look into your options and see if you can get one provider for multiple insurance needs.

What Coverage Includes

Blue Sky Coverage is an insurance marketplace. This means that it partners with a number of home insurance providers and collects them all into a single location for consumers to access. When you enter your information into the Blue Sky Coverage website, you’ll get relevant search results that match your criteria. So, if you are looking for home insurance to cover a 2-story, single-family home in New York, Blue Sky Coverage will pair you up with a home insurance provider that offers those types of policies in that state.

Since it is not an insurance provider directly, Blue Sky Coverage does not set coverage limits, parameters, or criteria. What is covered, including coverage limitations and caps, are set by the individual partners and will ultimately be determined by the partner you choose. However, most of the partners within the Blue Sky Coverage network will offer the usual coverage. This includes liability, renters insurance, natural disasters, and personal property insurance.

Blue Sky Coverage partners multiple home insurance providers in the country. Some of the major brands you can expect to find here include Allstate, Lemonade, and State Farm. Working with major players in the insurance game, you can expect to get comprehensive coverage for all of your needs.

• Liability insurance
• Renters insurance
• Personal property insurance
• Natural disaster insurance

Additional Coverage

Usually, the coverage plans are sufficient to cover all of your home insurance needs. Once in a while, though, homeowners have certain items that are of more value than the standard home insurance policy is able to cover. When this happens, consumers can purchase additional coverage specifically for these items. This is beneficial if you have a particularly valuable piece that you don’t want to leave unprotected.

As with coverage limitations, Blue Sky Coverage partners will each set out what type of additional coverage you can opt for with their policies. Some common items and riders that are available from Blue Sky Coverage partners include (but are not limited to):

• Expensive jewelry or artwork
• Electronic equipment
• Musical instruments
• Home office equipment

Application Process

The big perk of working with a network like Blue Sky Coverage is that you get to fill out a single application form for multiple insurance provider applications. It cuts down on the tedious form filling.

By filling out the application form, Blue Sky Coverage is able to better pair you with the right home insurance agency for your situation. The application process is fast and easy. Here’s how it works:

• Answer a few basic questions like your current address, what type of home you have, what type of roofing and wall material does your home have, and what's the square footage of your home.
• You’ll also be asked about common areas of the home, like how many floors, bedrooms, and bathrooms there are.
• Finally, you’ll fill out how much you want the policy for, what your desired deductible is, and approximately how much the replacement cost of your home is.
• Add in a few more details like date of birth and email address for contact purposes, and you’re good to go.

Once you fill these simple questions in, you’ll get quotes in seconds. Blue Sky Coverage partners with some big names in home insurance, so no matter which partner you are paired with, you can be sure you’re in good hands.

Discounts

As with the other elements of insurance policies, Blue Sky Coverage doesn’t set specific discounts. Fortunately, it works with some big names in insurance, so you can expect to find some excellent discounts for your home insurance policy. Some of these might include:

• New home discount
• Remodeled home discount
• Home safety features (like burglar alarm or smart home security systems)
• Smoke alarms
• Impact-resistant roof or other upgrades
• Storm shutters
• Higher deductibles discount
• Auto-payment discount
• Policy bundling discount
• Claims-free period discount
• Online billing discount

How Safe Is It?

Blue Sky Coverage makes you feel safe about using the website to find home insurance policy quotes. For starters, the entire website supports encryption technology to protect your data and your privacy during storage and transfer. As Blue Sky Coverage puts it, all information that is collected is kept under "technological lock and key." So, you can rest assured you're safe. The service also takes all reasonable precautions to keep your data safe.

To assure you even further, you just have to look at Blue Sky Coverage’s reliability ratings. It holds an A++ from AM Best Financial ratings and an A from the Better Business Bureau. The former indicates a very strong financial foundation, so you don’t have to worry about this company going belly up and running off with your money. Meanwhile, the latter score represents a strong business foundation with a commitment to customer satisfaction and fair practices.

Claims & Customer Support

Blue Sky Coverage has customer support available via phone or online contact form to answer all of your questions. Submitting claims will have to be done directly with the home insurance provider you have taken out a policy with. As with everything else, your claims experience will vary depending on the provider in question.

Phone number: 

8554001826

Summary

Blue Sky Coverage is a free and easy-to-use service that lets you make a quick comparison of the right home insurance quotes for you. Partnering with the top names in home insurance today, Blue Sky Coverage offers consumers a faster way to find affordable home insurance. From deep discounts to competitive premiums, Blue Sky Coverage partners aim to please, which is why this service gets 2 thumbs up.

Physical address

Blue Sky Insurance Solutions

531 Main Street Suite 902

El Segundo, CA 90245