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The Zebra Review

Find a customized quote easily

Reviews 8

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

BestMoney Staff
Bestmoney Staff
Apr. 16, 20214 min read

The Zebra summary

The Zebra is a leading insurance comparison site. While they have primarily focused on car insurance since their founding in 2012, The Zebra has expanded into homeowners and rental insurance. Their easy quote process and helpful representatives let you compare quotes from some of the country's top insurers.

Pros

  • Easy to compare quotes
  • No spam calls
  • Quick quoting process

Cons

  • No quote customization options
  • No 24/7 customer support

Suitable For?

The Zebra is right for homeowners who want to quickly compare insurance quotes from many companies. The Zebra's service is tailored for customers who wish to do their own insurance shopping and get quotes based on their needs.

They also have plenty of options for companies that let you bundle your home and auto policies - , making them attractive for people shopping for discounts. Offering  helpful educational material, the company’s annual State of Auto Insurance reports is a valuable source for those wanting to dive into research and data.

What Coverage Includes

The Zebra reviews and compares home insurance quotes from a variety of insurance companies that provide different types of coverage. While each company has unique policy offerings, you can usually count on them covering the following:

  • Dwelling
  • Other structures
  • Personal property
  • Additional living expenses
  • Personal liability
  • Medical payments

Many companies will outline the difference between:

  • Named perils—where your policy only encompasses named coverages
  • Open perils, which covers hazards not necessarily named on the policy

The Zebra outlines three types of policies their partners cover:

  • HO-2 Policy: This type of policy is the most basic you can get. It typically covers damages from fire, theft, lightning, explosions, riots, and aircraft or vehicle crashes. It covers only named perils
  • HO-3 Policy: Most homeowners in the US get an HO-3 policy, which covers your dwelling, its contents, and other structures on your property. These policies cover some named and open perils
  • HO-5 Policy: An HO-5 policy is the most comprehensive type of home insurance you can get without buying add-ons. It covers all dwellings and personal property on an open peril basis

There are some issues that almost no standard insurance policy will cover. For example, The Zebra's partners do not offer standard coverage for flooding, earthquakes, or neglect. However, you can get these types of policies at an extra cost.

Additional Coverage

While The Zebra does not offer its own riders and other types of additional coverage, many of their partners have comprehensive options for protection of your home and belongings.

Some companies offer:

  • Endorsements and floaters: You can get this rider on your policy to cover your jewelry, money, firearms, watercraft, business property on your premises, electronics, and more. These high-value items are not standard in a homeowner's policy
  • Identity theft: Many of The Zebra's partners offer identity theft insurance as an add-on to protect you from unauthorized access to your credit card or bank information. While each company's policy amount and costs vary, you can expect to pay an average of $25-$65 per year for $15,000 to $30,000 in coverage
  • Flood: You can usually get flood insurance on your policy through FEMA or private insurance companies that offer it
  • Earthquake: If you live in a high-risk earthquake zone, you should add an earthquake rider to your policy

Application Process

Because The Zebra is an independent online insurance comparison site, the actual application takes place on their partners’ websites. The Zebra offers tools and information to help direct you to an application process for an insurance policy.

On their website, The Zebra's quote comparison tool allows you to evaluate quotes from different insurance companies. You start by adding your zip code, which will then take you to the questionnaire.

You'll then enter personal information like the address of the home you want to insure and the type of home you own. You'll also see questions about your home's material, foundation type, proximity to places like fire stations, and if your residence is in a flood zone.

Next, you will answer questions about yourself and provide your credit score. The Zebra uses Insurability Score (click here to read more on their site) to determine your eligibility for specific policies. 

If you have all information on hand, this process will only take you about two minutes. Then, The Zebra reviews top insurance companies like State Farm, Allstate, Liberty Mutual, and USAA to connect you with a policy.

Discounts

The Zebra doesn't offer discounts as an independent agency, but their partners do.

You can get discounts for:

  • Multi Policy
  • New roof
  • Claims-free
  • Non-smoker
  • New home
  • Automatic and paperless payments
  • Retired
  • Veterans
  • Gated community
  • Occupational

How Safe Is It?

A.M. Best does not have listed ratings for The Zebra, but it has them for their partners. The Zebra works with many insurance companies that have A++, A+or Superior ratings from A.M. Best. Some of these providers include:

  • State Farm
  • Allstate
  • Esurance
  • USAA

The Zebra also does not require you to provide your phone number, which means you don't get spam calls after receiving a quote.

Customer Support

The Zebra's customer support is available from 9:00 am-6:00 pm CST. You can contact them by phone at 1-888-255-4364 or email them at support@thezebra.com. If you Google the company, you will see The Zebra reviews are very positive because of their prompt service.

Once you decide on a policy, you will work with the respective insurer regarding customer service issues. Thankfully, many of The Zebra’s partners also have a good reputation with handling claims.

Summary

If you need to compare insurance companies fast, The Zebra has a user-friendly, comprehensive quote comparison tool to help you. Its intelligent toolkit and calculators will assist in determining what policies you need and at what coverage levels.

Above all, The Zebra gives you the independence you want when it comes to shopping for home insurance. The Zebra has many partners with comprehensive policy options, and you only need to fill out a two-minute questionnaire to access them.

BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

The Zebra
The Zebra
GreatReviews 8
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Trustpilot reviews

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  • author
    Bre
    May 28, 2021
    Very fast service on getting a quote…

    Very fast service on getting a quote and the agent was very informative and knowledgeable about the insurance rates and coverages.

    ...

  • author
    Micheal
    2 days ago
    Awesome service

    Awesome service! Had trouble getting insurance with a ticket on my driving record but ray was able to get it worked out for me, Thank you!!

    ...

  • author
    Parker
    4 days ago
    Didn’t give me a quote

    Filled out a very long form and was not given any actual quotes just links to geico progressive and esurance. When I clicked the links I was basically on their home page and still had to fill in a bunch of info before ever getting a quote.

    ...

  • author
    Jeff Simpson
    May 31, 2021
    Immediately spams you from GEICO after…

    Immediately spams you from GEICO after completing a quote after promising "We definitely won't spam you"... 5 minutes later, inbox has spam. What a shame this company has become.

    ...

  • author
    Claire Flynn
    May 26, 2021
    Beni Lukumu was very helpful every time…

    Beni Lukumu was very helpful every time I needed help and quick.

    ...

  • author
    Christopher Smith
    May 25, 2021
    Saved 3k in 5 minutes

    Saved 3k in 5 minutes. Not kidding. Thank you so much. Zebra opened my eyes to competitive quotes

    ...

  • author
    2reviewsites
    Oct 11, 2020
    If there is a quote it's because you…

    If there is a quote it's because you have to enter your information in in the beginning and then to get a quote from any one of the one two three four five companies you have to enter it again and again and again and again

    ...

  • author
    Auspice
    Mar 27, 2020
    Just stealing your personal information

    Supposedly you're coming here to get car insurance quotes. The thing is that they take all your personal information and then don't provide you with any actual quotes... if you want a quote you still have to go to each individual company site and type in all the information AGAIN. So what service are they providing? It doesn't seem like the site does anything. It's probably just designed to steal personal information to sell to marketers. (The only actual price they showed me turned out to be horribly wrong -- it was actually more than double on the company website.)

    ...

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