Young Alfred Home Insurance summary
- Gets quotes directly from providers, so more accurate estimates
- 100% free service to use
- Customized quotes based on your details
- Not a direct home insurance provider
- Quotes don’t include all fees involved
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 an hour
Yes, direct insurer
Young Alfred is the ideal choice for people who are shopping around for home insurance policies. If you are looking for a policy to cover your newly purchased or current home, Young Alfred will be a valuable tool for finding the most competitive rates within your area.
Young Alfred is also very useful for people who like to be well-informed. That’s because the platform was built with the intention to inform and educate homeowners on the topic of home insurance. Rather than just spitting out random offers for policies you know nothing about, Young Alfred goes out of its way to provide you with detailed explanations, in-depth articles, and interesting insights so that you can walk away having made an educated decision about your home insurance policy.
What Coverage Includes
As Young Alfred is not a direct home insurance provider, the coverage that is included in your policy is not dictated by this company. Rather, coverage is determined by the specific home insurance policy provider you choose at the end of the day. Partners within the Young Alfred search engine generally have the following coverage options, however:
- Home and auto
Young Alfred partners have 3 general plans: Basic, Standard, and Premium. Basic covers a building or personal property against basic damages. Standard protects buildings against a wider range of damages and personal property from basic damages. Premium protects both from an extended range of damages.
Not sure what kind of coverage you need? Young Alfred can help you with that. This feature is unique to Young Alfred and one that you won't find with other home insurance provider aggregators out there (so listen up!). The feature is called Alfred's Mind. It basically takes all the information you've inputted into the system about your home and location and runs it through its database (FYI, the database has over a billion data points!). Then Alfred’s Mind scans the database to determine the level of risk you fall under for certain events including floods, earthquakes, freezing pipes, hurricanes, tornadoes, theft, mold, rain, snow, fire, and more. Armed with these statistics, homeowners can make a more educated decision about which policy is right for them. So if, for example, you discover that you live in a high-risk flood zone, Young Alfred will suggest purchasing flood insurance on top of your standard home insurance policy.
Young Alfred partners also have a whole slew of additional coverage riders you can take out on top of your standard policy. These add-ons help cover more than the original policy would, so you might take out a larger policy amount for a very expensive item, or you may consider getting extended coverage for a natural disaster that isn’t included in your plan. Some include:
- Identity theft
- Replacement costs
Applying with Young Alfred is one of the easiest things you could do. When you use the aggregator, you’ll fill out only a single online application form. But what you’ll get is results from a whole network of home insurance providers. So, you are really saving time and headaches using this service.
Another thing homeowners will appreciate about using Young Alfred is that the quotes are much more accurate than with other home insurance provider aggregators. You see, most aggregators take an estimate of the insurance rates that a provider gives to its customers and uses these as your price quote. But since these rates aren’t based on your particular situation, more often than not, the final rates you end up paying are nothing close to the originally quoted rate.
Young Alfred, on the other hand, works directly with its partners. As a result, you get personalized and accurate price quotes based on your home situation.
As with coverage, Young Alfred does not extend any discounts on home insurance policies directly. Remember, using Young Alfred is totally free, so there’s nothing to discount. However, its partners have a huge selection of discounts that you can get applied to your policy based on your situation, home, and other factors.
Some of the discounts provided by Young Alfred partners include:
- E-signature discount
- Special occupational discounts
- Driver training discounts
- Good student discounts
- Military discounts
- Paperless payment discounts
- Continuously insured discount
- New car discount
- Mature driver discount
- Safe driver discount
- Higher education discount
- Distant student discount
- Multi-policy (aka bundled) discount
- Multi-car or multi-driver discount
- Usage-based pricing discount
How Safe Is It?
Since Young Alfred is not a direct home insurance provider, and no personal information is handled by this service, you don’t have to worry or think about privacy or security.
That being said, Young Alfred has a very strict reliability policy when it comes to its partners. It will only accept home insurance providers into its network if they have a strong A.M. Best rating. A. M. Best is a full-service credit rating agency that is known throughout the industry for having reliable and unbiased ratings. A.M. Best rates companies on their financial stability, their reliability, and their track record for coming through on services promised.
So, if you have a good A.M. Best rating, consumers know they can trust you. Young Alfred partners solely with home insurance providers that have a strong A.M. Best rating to ensure that whatever results you receive from the search engine, you are getting a top-quality service you can depend on.
What’s more, Young Alfred uses Secure Socket Layer technology to ensure that any information you do share on the website is thoroughly protected with a heavy layer of encryption. In addition to hearty encryption, Young Alfred follows all industry standard security procedures to ensure your information is always safe.
Claims & Customer Support
Claims and support are solely handled by the insurance policy provider you choose. If you have any questions prior to purchasing a home insurance policy, Young Alfred is available to answer any and all questions. You can reach a Young Alfred customer support rep via live chat, phone, or email.
Somehow infusing a dull and boring industry with just the right measure of professional levity, humor, and concern, Young Alfred has created an altogether enjoyable way to shop for home insurance policies while still maintaining an air of professionalism, Young Alfred extends the common courtesy you'd expect from an older generation coupling this charm with high tech know-how and lightning-fast results. In short, Young Alfred takes a drab topic, makes it easy (and almost fun) to work with, and delivers fast results so you can be on your way with your new policy in no time. We call that a big success.