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Select Quote Review

Reviews 10,303
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Reviews 10,303
Sarah Badani
May. 31, 2021
4 min read
Sarah Badani
SelectQuote Summary
Select Quote works directly with qualified insurance agencies to get homeowners the top rates on home insurance policies. Customers generally save $444 on average, making Select Quote an excellent choice for anyone looking to cut back on their current policies. Select Quote works with top name companies like Progressive and Travelers. Easy online application and auto insurance bundling discounts are some reasons to choose Select Quote.


  • Average savings of $444
  • Easy to switch policies
  • Bundle with car insurance for discount


  • Not a direct insurance agency
  • Limited to the partners in the network
  • Not available in South Dakota

SelectQuote at a glance

Editorial score

Variety of coverage options

Covers most types of damage, loss, theft and personal property. Maximum payouts for personal property

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

Basic site with evening and weekend customer service available

Quote time

Under 10 minutes

Direct Insurer?

Marketplace with direct purchase available in site

Suitable For?

Select Quote is an optimal choice for 2 types of homeowners:

  1. The money-saver

    Select Quote works with a large network of home insurance providers. This makes it even easier for homeowners to find competitive prices on their home insurance policies. As mentioned previously, Select Quote customers generally save around $450 on their home insurance policies.

    What’s more, Select Quote partners allow you to bundle your home and auto insurance for an additional savings. So, this is definitely the right choice if you want to save money.

  2. The time-saver

    Select Quote is also a good choice for those of us who don’t like to waste time. For starters, Select Quote has a large network of home insurance providers. So, you save time by filling out a single application form and having it sent out to multiple insurance agencies simultaneously. What’s more, everything is done online. And since the automated system does all the work for you, you save a tremendous amount of time on searching, researching, and comparison shopping.

What Coverage Includes

Since Select Quote is not a direct insurance provider, the company does not stipulate actual coverage. Instead, this is left to the discretion of individual insurance companies within the network. Select Quote works with some of the most reputable insurance agencies in the country, including names like American Modern Insurance Group, Plymouth Rock Assurance, Progressive, and Liberty Mutual. What this means is you are getting full coverage from your policy regardless of which insurer you end up with.

The average policy covers 4 important categories. These are dwellings (your home, and often other structures on your property), the contents of your home (this can include all personal items, furniture, clothing, etc. both inside and outside of your home), personal liability (this covers injuries to other people that occur on your property), and additional living expenses (covers the costs of living such as hotel room, food, and gas in case you need to vacate your home for renovations).

  • Dwellings
  • Contents
  • Personal liability
  • Additional living expenses

Additional Coverage

All home insurance providers also offer various additional coverage plans and riders that you can sign up for individually. These generally include more expensive or unusual items that either aren't covered by the standard policies or that are very valuable, and you would like to take out additional insurance coverage for.

The additional coverage available depends on the insurance provider, but most will include things like jewelry, electronic equipment, musical instruments, pieces of artwork, and other specialty items.

  • Jewelry
  • Home office equipment
  • Special personal property
  • Water backup and sump pump
  • Identity fraud
  • Green home coverage

Application Process

Possibly the most appealing part of working with Select Quote is the ease of use. It has a simple online application process. So, there’s no need to go down to an actual office or fill out lots of forms. Additionally, Select Quote has a smart algorithm, which takes your application form information and cross-references it with the information it has on the home insurance providers. So, you will get matched with the appropriate insurance agencies, and a lot faster than if you were doing all the work on your own.

To fill out the application form, you only need basic information. The questions asked are things like phone number, email address, and zip code. It takes less than a minute. Then, Select Quote returns several companies that fit your criteria (work in your state, have the insurance you want, etc.) within seconds. The whole process is intuitive, and one of the faster application processes we've seen.

You'll typically receive between 5 to 7 options to choose from. When you get your results, you can compare the various quotes you get to find rates and policies for you. It is worth noting that at this point, you are under no obligation to continue the process. You are not committed to the companies on the list. These are just suggestions.

If you choose one of the home insurance agencies suggested, you’ll be redirected to that specific site to continue the process. There, you’ll fill out the necessary information, receive a more specific quote, and sign a contract if the terms are suitable to you.


Select Quote is a free service and does not offer any discounts. However, the partners within its network offer several different types of discounts that clients can utilize to save on their home insurance policies. Some of the more commonly given discounts include auto insurance bundling, home buyer discount, protective device discount, green home discount, and loss-free discount.

How Safe Is It?

Select Quote uses Secure Sockets Layer encryption protocol for its website. Any information inputted into its system is automatically encrypted for your protection. Select Quote also uses VeriSign for digital security.

Select Quote also only works with companies that have an A.M. Best rating of A+ or A. This is a rating of financial stability, and basically means that all of the insurance providers have the financial backing to pay up in the event of a claim being made.

Claims & Customer Support

Select Quote doesn’t handle claims. Instead, you’ll have to work directly with whichever home insurance provider you take out a policy with. Claims processes and customer support vary based on the provider, but most of the companies in the system offer a dedicated 24/7 claims support hotline.

Select Quote does offer customer support for its customers for additional assistance, not having to do with actual claims. You can get in touch with a representative via email or phone.






Around since 1985, Select Quote has helped more than half a million Americans save money on their home insurance policies. The system is easy to use, and Select Quote incorporates some of the most trustworthy home insurance providers within its networks. Partner companies offer several discounts to help homeowners save even further. And there are multiple riders you can purchase to get additional coverage for specialty items you want to insure even more.

Sarah Badani
Written by
Sarah Badani
Sarah Badani has extensive research and review experience in the finance industry. With a degree in psychology and education, she brings a level of depth and understanding to her writing along with her own flavor to spice up each topic in a unique and inviting way. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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