3.8 / 5

Swyfft Homeowners Insurance Review

Swyfft features the quickest and most impressive home insurance application process in the business, securing you a quote in seconds.

Pat Howard 1600

Published December 13, 2019|6 min read

Editorial disclosure

At Policygenius, we're committed to providing objective and transparent advice through strict editorial standards to help you get insurance right. Read more about our methodology.





    Comprehensive coverage at affordable rates

    Quotes you for an entire policy in about 10 seconds

    More consumer-friendly than the comptetion when it comes to claim history


    Policies are only available in 9 states

    Not much information available about their insurance offerings or partnering companies

    The claims process is somewhat of an unknown


Swyfft has only been insuring homes for a couple of years now, and in that short time they’ve left an impressive mark on the homeowners insurance industry. Backed by Clear Blue Insurance (A- A.M. Best rating), Swyfft is technically a managing general agent and not an insurance company in the traditional sense. But Swyfft does a lot of things better than many standard insurers who have been writing policies for decades, like their ingenious quoting and risk-assessment process.





Customer rating


Policy options


Customer experience




J.D. Power Rating

A trusted customer satisfaction and product quality research agency


BBB Rating

A nonprofit organization focusing on marketplace trust and product quality


A.M. Best Rating

100-year-old U.S. credit rating agency focused on the insurance industry


The Bottom Line

The insurance industry has seen its share of disruptors over the last five years, and few have left a more impressive mark in that span than Swyfft. Using the latest technology and information gathering tools, Swyfft is able to accurately quote your home in a matter of seconds without needing any information from the homeowner other than the property address. However, when it comes to claims, Swyfft is somewhat of an unknown. Given the fact that the company is still in its youthful stages, not a whole lot has been written or reported about how they handle or pay out claims, and this may lead to some hesitation about whether you want to insure your most expensive asset with a potential wildcard.

The Details

The Good

Comprehensive coverage at affordable rates. Swyfft offers comprehensive and flexible policies at rates lower than the industry average. All policies include replacement cost contents coverage, adjustable limits for each of the primary coverages, and a number of endorsements and rate-saving opportunities.

Quotes you for an entire policy in about 10 seconds. Yes, and we timed it to be completely sure. After typing in your address and pressing the "Get Quote" button, Swyfft secures your quote in ~10 seconds.

More consumer-friendly than the competition when it comes to claim history. When it comes to setting your homeowners insurance rates, Swyfft doesn't hold loss history against you quite like other companies do. If you've experience a catastrophic loss, filed a zero-dollar claim (meaning the claim wasn't accepted) or if the insured address has had prior losses, it won't be reflected in your policy price.

The Bad

Policies are only available in 9 states. Swyfft homeowners insurance is currently only available in 9 states. While that may seem like a bad thing, keep in mind that this company is only about 5 years old and is expanding by the day. If Swyfft isn't available in your state, there's a good chance they will be soon.

Not much information available about their insurance offerings or partnering companies. When it comes to information about their insurance products, partnering companies, and homeowners insurance more generally, Swyfft leaves a lot to be desired. In fact, it isn't exactly clear upon visiting their website that this is a company that will be insuring your home.

The claims process is somewhat of an unknown. Given the fact that Swyfft is still in its youthful stages, there isn't a whole lot of information about the claims experience online, other than a handful of negative-leaning Better Business Bureau reviews. However, Swyfft does have an online claims portal, which is more than what a lot of competitors can offer.



While the price of homeowners insurance with Swyfft (and every company) will depend on factors like where you live, your home's construction type, and the age of your home, you can expect to pay around $1,300 annually for coverage with Swyfft, according to Policygenius data. That makes Swyfft home insurance rates far lower than the average quoted policy with Policygenius.

Rates are particularly impacted by your home's replacement cost, or the insured value of your home. Below is the average cost of homeowners insurance at different levels of coverage with Swyfft.

Swyfft coverage amountSwyfft average annual premium

Average annual homeowners insurance premiums for each coverage level were calculated using Policygenius quoting data.


A great way to keep your homeowners insurance costs down is to take advantage of discount opportunities.

Some common discounts include protective devices discounts, claims-free discounts, and new home-buyer discounts. Swyfft offers most of the standard discounts, but not a whole lot otherwise.

  • Protective devices discount - If your home has security and safety features like burglar alarms, fire alarms, fire sprinklers, and storm shutters

  • Loss-free discount - If you go an extended period of time without filing a claim

  • Gated community discount - If your home is within a gated community



Homeowners insurance protects your most important financial assets, so you'll want to be sure you're insuring your home, your personal possessions, and other assets with a company that will be able to pay out your claim in the event of a disaster. Swyfft hasn't been around long so it doesn't yet have ratings with such credit ratings agencies as S&P and Moody's. But they're backed by Clear Blue Insurance who has an A- rating with leading insurance rating agency A.M. Best.

  • Year founded: 2015

  • Standard & Poor's rating: N/A

  • Moody's rating: N/A

  • A.M. Best rating: A- (Clear Blue Insurance rating)

Standard & Poor's measures companies' creditworthiness and is used primarily by financial investors and other market stakeholders. S&P is also valuable in measuring the long-term financial stability of insurance companies. A AAA rating is the highest issuer credit rating assigned by S&P.

Moody's is very similar to Standard & Poors, except rather than measuring a companies ability to remain financial stable and creditworthy, Moody's measures what the expected losses would be if a company were to go into default. It's particularly valuable in analyzing the value of stocks and bonds with certain companies. A AAA rating is the highest possible score you can receive from Moody's.

A.M. Best is the most reliable credit-rating tool insureds can use to gauge the financial health of a particular company. Unlike S&P and Moody's, A.M. Best is focused exclusively on the insurance marketplace. A good score with A.M. Best means a company is more likely to fulfill their financial obligation to you when it comes time to file a claim. With a score of A-, Swyfft has the fourth highest rating a company can receive with A.M. Best.

Customer ratings


It's important to know what experts think about homeowners insurance companies - but it's also good to know what actual customers and consumer sentiment sites are saying, too.

Swyfft has excellent ratings with the Better Business Bureau. Being such a new company, it doesn't yet have ratings with J.D. Power, TrustPilot, Consumer Advocate, or Consumer Affairs.

  • J.D. Power: N/A

  • BBB: A+

  • Consumer Affairs: N/A

  • Consumers Advocate: N/A

  • Trustpilot: N/A

  • NAIC complaint index: N/A

J.D. Power provides studies that rate insurance companies across policy offerings, price, clarity of billing and policy information, interaction, and claims. An overall satisfaction score, "based on how customers view every experience of their experience with homeowners insurance providers," is reflected here and used for our ranking.

The Better Business Bureau ranks companies across a large swath of criteria. While consumers can submit ratings to the BBB, these scores are not taken into account in their rating, although tangential metrics that take into account customer experience are.

Consumer Affairs is a platform that lets consumers directly rate customers, while Consumers Advocate rates companies based on stability, reputation, and policy coverage.

The National Association of Insurance Commissioners tracks the number of complaints submitted to state insurance departments with their national complain index. A score of 1 is the baseline average, and a score of 0 means there weren't enough complaints to count. It's important to know what experts think about homeowners insurance companies - but it's also good to know what actual customers and consumer sentiment sites are saying, too.

Policy options


Swyfft offers a single tier of homeowners insurance providing all of the six basic coverages: dwelling, other structures, personal property, loss-of-use, personal liability, and medical payments coverage.

Swyfft's base policy includes replacement cost contents coverage, adjustable coverage limits for each of the six coverages, and a number of coverage endorsements like enhanced personal property coverage, personal injury coverage, and water backup coverage.

Here are some of the highlights of Swyfft coverage:

  • Option for extended replacement cost dwelling coverage of 25%

  • Replacement cost contents coverage included in policy

  • Optional water backup coverage

  • Optional sinkhole collapse coverage

  • Optional personal injury coverage

  • Enhanced personal property coverage

  • Identity fraud expense coverage

  • Mine subsidence coverage

Note: The information above represents potential policy options and may not be available for every applicant. Speak to a licensed expert for a personalized look at your coverage options.

Customer experience


Swyfft coverage is limited to 9 states but continues to grow. Although they provide the most impressive quick-quote in the industry and online claims, their website leaves much to be desired.

State availability

Swyfft homeowners insurance is available in 9 states.

Digital tools

  • Online application

  • Instant quote

  • Online bill pay and policy management

  • Online claims portal

The application

As we've touched on more than a few times, Swyfft's application isn't much of an application at all. You simply type in your address and out comes a quote.

Ease of claims

To file a claim with Swyfft, they give you the option to either call their claims department directly or file a claim online. Once you file your claim, you're assigned a claims advocate who manages your claim from beginning to end.

Additional claims service

  • 24/7 claims service

  • Repairs company

Payment methods

  • Credit card and debit card

  • Option to pay directly from your bank account

  • Option to pay through your escrow account

  • Option to pay annually or monthly

Policygenius offers insurance policies from many of the nation's top insurers, who pay us a commission for our services. However, all editorial choices are made independently.

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