- Network of superior insurance providers
- Licensed professionals work with you
- Independent aggregator, so unbiased
- Not a direct insurance provider
- Can’t access all insurance agencies via the network
- Some additional information may be needed
Variety of coverage options
Full coverage for natural disasters, personal property damage and loss, theft, and structural damage
Customizable rates and services
Fully customizable plans and rates with the option to buy fully online or with the help of an agent
Online experience and customer support
Fully functional site, with 24/7 communication
Within 1 day
Marketplace with direct purchase available in site
Policygenius is an insurance broker, which means you get access to several different insurance providers at once. Unlike other insurance aggregators, though, Policygenius offers a more hands-on approach. There are licensed insurance agents who you’ll deal with to get good information and personalized service throughout the exploration process. It’s a big difference from other services of this type.
So, if you are the type of homeowner who likes to have a lot of options but still wants someone to help you through the process, Policygenius is a great choice for you.
What Coverage Includes
Policygenius works with the top names in home insurance providers, so the coverage is understandably extensive. Companies include Progressive Insurance, MetLife, AIG, Nationwide, and more. Depending on which plan and which provider you choose, you can get coverage for just about anything. And if you add on the additional coverage options, you’re able to cover more bases.
Basic coverage is broken down into two many categories: named perils and open perils. Both will generally cover the most common perils, including:
- Vehicle collision
- Theft and vandalism
- Lightning damage
More extensive coverage may also include plumbing freezes, accidental water damage, falling objects, and damage caused due to an excess weight of snow or ice. Named perils will cover the above list while open perils will include these and more. Basically, anything that’s not excluded will be covered by open coverage.
- Named perils
- Open perils
- Other structures
- Personal property
- Loss of use
- Medical payments coverage
Because Policygenius works with the top names in the home insurance industry, the additional coverage is exhaustive. There’s almost nothing that Policygenius partners won’t cover.
- Wildfire and hurricane coverage
- Unlimited building ordinance or law coverage
- Food spoilage
- Water backup coverage
- Loss-assessment coverage
- Damages caused by pets
- Landscaping coverage
- Lock-replacement coverage
- Business property coverage
- Guests and domestic staff personal property coverage
- Equipment-breakdown coverage
- Green-building costs coverage
This is a brief list, but when you get your insurance quotes, you can speak to them directly about what your additional coverage options include. As we said, it's an impressive array.
Working with Policygenius is efficient. The aggregator sends out your application to multiple insurance providers simultaneously, so you save a lot of time and annoyance not having to fill out multiple forms that are identical or almost identical.
Plus, Policygenius does the leg work for you. It’ll send out your application, taking care of one step of the process. And it only sends it to insurance providers that make sense for your situation. So, it takes out a huge chunk of research and comparisons that normally take people weeks to do on their own.
The application process itself is pretty basic, with one exception. You will speak directly with a professional licensed insurance broker. This agent will ask you specifics about your situation, assess your case, and recommend the right type of insurance for your needs. That’s personalized service you don’t get from most aggregators.
Once you’ve decided on a policy type, you’ll fill out the online application form. Policygenius will then send your information through its algorithm to find you the top rates for what you need. Finally, it will provide you with a neat and organized list of possible home insurance providers available to you with rates for fast comparison.
You choose the one that you like the most, finalize the details, and Policygenius will even help you handle all of the closing paperwork. It’s a refreshingly simple, straightforward, and fast process for getting home insurance.
Policygenius is licensed in all 50 states, so everyone is eligible for coverage. How long the actual process takes depends on which company you choose, how much additional information you’ll need to provide, and what information you’ve made available to them. A good way to make the process go faster is to have all possible information needed ready and waiting in case they ask for it.
Policygenius is a totally free service to use. As such, there are no discounts built into the service itself. However, the companies that work with Policygenius offer several discount options. Usually, if you are doing something good, you’ll get a decent discount. For example, if you have additional protection such as fire alarms, home security systems, or a sprinkler system installed, you’ll be entitled to a discount. Other discounts include:
- Multiple policies
- Consistent payment
- Smart home devices
- Loyalty reward
- Newly renovated home
- Claim-free policy
- E-payment discount
- New home
- Guarded or gated community
- Proximity to help
And that’s not all. The list goes on, so chances are that regardless of what you are quoted and which company you choose, you’ll end up paying even less at the end of the day.
How Safe is it?
Policygenius takes your privacy seriously, and it uses technology and policy safeguards to ensure that your information is kept secure at all times. It holds an A+ with the Better Business Bureau, is fully licensed in all 50 states, and partners with Aptible to ensure the integrity of its hosting environment is secure and compliant, going above and beyond industry standards.
Policygenius also only works with insurance providers that hold an Excellent or Superior A.M. Best rating. That means that these companies are solid, trustworthy, and in a financial position to fulfill their obligations to their clients if/when the need arises.
Claims & Customer Support
How fast and how good the customer service is will depend on which home insurance provider you go with at the end of the day. As mentioned, Policygenius only works with the top agencies in the business, and these companies have high ratings for customer service and support.
- Phone: 7 days a week, 9:00 AM - 9:00 PM ET
- Live chat
Policygenius is all about the user experience. From start to finish, this service provides a smooth, easy, and efficient process. The online application makes going through the stages faster and simpler. What’s more, Policygenius makes sure you understand what your options are, what you’re getting, and what you need before you sign. Sitting with a professional insurance agent helps you understand the ins and outs, and these agents stay with you for the entire process. Policygenius also makes it simple to comparison shop, offering multiple insurance providers for you to compare.