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Policygenius Homeowners Insurance

Policygenius Homeowners Insurance

 4.3/5 (6 ratings)
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  • 1 stars
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About Policygenius Homeowners Insurance

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Policygenius is an online insurance marketplace that has helped more than 30 million people shop for policies. Customers get free quotes and have access to homeowners insurance guides, calculators, reviews and 24/7 support. Policygenius is free to use and is available to users in all 50 states and Washington, D.C.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Easy comparison shopping
  • Helpful resources
  • Independent broker
  • Available across the U.S.

Cons

  • No face-to-face communication
  • No direct sales

Bottom Line

Policygenius connects homeowners all over the U.S. to potential insurers. You can use the site to learn about coverage, compare quotes and buy a policy. Live support is available 24/7.

Top Policygenius Homeowners Insurance Reviews

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Rated with 5 stars
Verified

I talked with a few different people at Policygenius and they were all helpful. They responded to my questions quickly and they were able to find an insurance policy that saved me...

Read full review
Rated with 5 stars
Verified

Policygenius takes away the onerous task of looking up multiple insurance policy providers and comparing all the features and pricing. It is an innovative service where Policygeni...

Read full review

Need to insure your new home, or looking to lower your rate?

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What is Policygenius Homeowners Insurance?

Policygenius is an online insurance marketplace that allows shoppers to compare providers, including homeowners insurance companies. Homeowners answer a brief questionnaire on the site, and Policygenius matches them with a selection of providers so shoppers can compare coverage and quotes. Licensed agents are available 24/7 by chat to assist.

The Policygenius site provides easy-to-understand explanations of the components of homeowners insurance and what to look for when purchasing a policy. You can get advice on how much coverage to buy, learn about cost factors, see average rates by state and find answers to frequently asked questions. Shoppers save an average of $1,055 per year when using the site, according to Policygenius.

How does Policygenius Homeowners Insurance work?

Policygenius users answer questions online to get matched with home insurers. Be prepared to provide details about the property (like information regarding building materials) and about your current policy, if you have one. Once you complete the form, which takes about five minutes, the company sends you a list of policy options that fit your needs and lets you compare options and prices.

Policygenius can match you with homeowners insurance options in all 50 states. Once you receive a list of providers, you can choose whether or not to apply for coverage. The final decision for your coverage eligibility depends on the provider, not Policygenius. The provider also determines the price you pay for the policy. Policygenius gets a commission for each sale through the site; the commission is already built into the price of the policy.

Policygenius Homeowners Insurance cost

According to Policygenius, the average cost of homeowners insurance is a little over $100 per month, or about $1,250 per year. The price of a policy depends on where you live; how much coverage you get; the age, size and build of your home; your claims history; and other factors.

The main benefit of shopping for home insurance through Policygenius is having the ability to compare prices from multiple providers without requesting quotes from each. Policygenius also has licensed agents available to help you by chat 24/7 and by phone 12 hours a day.

What does Policygenius Homeowners Insurance cover?

Policygenius works with many homeowners insurance companies that provide coverage for physical dwellings, personal property and liability. A typical home insurance policy you find on Policygenius commonly includes these coverages:

  • Dwelling coverage: Covers damage to the physical structure of the home, including the roof and attached structures (like a garage).
  • Other structures coverage: Covers damage to structures not attached to the main home, like a detached garage, a shed, a fence or a pool.
  • Personal property coverage: Covers damage to or theft of personal possessions such as clothing, furniture and electronics.
  • Additional living expenses coverage: Covers necessary expenses, like a hotel stay, if your home is temporarily uninhabitable because of a fire or other covered event.
  • Personal liability coverage: Covers medical and legal bills in the event you’re liable for an injury or damage to someone else’s property.
  • Medical payments coverage: Covers medical bills if someone is injured on your property

Depending on the company, you may have options to purchase add-on coverages, or endorsements, for water backup, scheduled personal property, service lines and more.

Policygenius Homeowners Insurance discounts

Licensed Policygenius agents help customers compare discounts from various companies. You can contact an agent by phone or chat. Common homeowners insurance discounts include savings for bundling home and auto insurance, paying in full for a year of coverage, being claims-free for a certain amount of time, having a newly constructed home and having protective devices, such as a security system. Policygenius notes that having a plan with a higher deductible is another way to lower your premium.

Policygenius Homeowners Insurance FAQ

What’s the benefit of shopping through Policygenius?
The main benefit of shopping for home insurance through Policygenius is saving time by getting quotes from multiple insurers at once. Policygenius does the work of finding policies that fit your needs and budget and showing them to you side by side for comparison.
Does Policygenius sell home insurance?
No, Policygenius is an online, independent insurance marketplace that connects consumers to home insurance providers.
Is Policygenius available in my state?
Yes, Policygenius is available in all 50 states.
Is Policygenius free?
It’s free to use the Policygenius website. When users purchase homeowners insurance, they pay the provider directly.

Is Policygenius Homeowners Insurance worth it?

Policygenius is worth it for people looking to compare offers from multiple home insurers at once. Users can also conveniently shop for other types of insurance — like auto insurance and life insurance — and save by bundling policies. Licensed agents are available 24/7 to answer questions and provide advice. Whether you’ve just purchased a new home or are rethinking your current coverage, we recommend giving Policygenius a try.

Policygenius Homeowners Insurance Reviews

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How do I know I can trust these reviews about Policygenius Homeowners Insurance?
How do I know I can trust these reviews about Policygenius Homeowners Insurance?
  • 3,468,354 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: Jan. 8, 2020

If you're thinking about using Policygenius to compare homeowners insurance quotes, a piece of advice: don't. First, they sent emails assuring me that they were experiencing a high volume of requests but offered to try to expedite my request if I replied to their emails. So I did so, and I soon received another email telling me that they simply could not complete my request unless I sent them another email. So I did so. I'm not sure why they require this type of runaround, but I guess they're trying to ensure that they don't waste their time on frivolous requests.

I finally get my quote almost three weeks after I first submitted my request. But they quoted me for renters insurance, even though I specifically requested homeowners insurance. I let them know of their mistake, and I received a snarky reply by email telling me that I had checked a box saying that I am a renter. There is a section of the form that asks for your current address and whether you rent or own. I entered my current address and selected that I rent. Because I am buying a house (also provided the address for the new property), I am currently renting. It seems the agent misinterpreted their own form and blamed it on me. Worth noting is that Policygenius recommended MetLife for my renters insurance.

Finally, I get my homeowners insurance quote. It's also for Metlife. There is no comparison between different insurers offered. Funnily enough, I had already received a quote from Geico that was for $1,000 less than the MetLife quote from Policygenius. All I can conclude is that Policygenius is inefficient and ineffective because they're slow and did not even get me the best quote. They don't allow you to compare policies. It also seems they have some deal to shill MetLife. They advertise heavily on podcasts, so I would also take any positive reviews with a grain of salt--they seem to have an extensive marketing budget. Avoid at all costs.

Policygenius Homeowners Insurance response

Hi,

My name is Jonathan, and I am one of the managers on the Policygenius home & auto team. I wanted to personally reach out to apologize for your experience. Please know that your feedback is greatly appreciated as we continue to work to improve both our products and processes.

Not only should you have received your options in a more timely manner, but your property should have been quoted correctly the first time. This was absolutely an error on our part and I’m sorry that this was not effectively communicated to you immediately after it happened.

With respect to our recommendation, we work with several carriers and are not incentivized to recommend one over another. We simply present the option that we believe is in our client’s best interest.

Ultimately our mission here at Policygenius is to provide an unprecedented consultative client experience and once again, I’m genuinely sorry that we were unable to deliver that to you.

I am more than happy to be your main point of contact from here on out so please feel free to reach out to me directly at 855-695-2255 x2 if you would like to discuss your experience further or share any specific concerns.

Thank you,

Jonathan

3 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 4, 2019

Policygenius takes away the onerous task of looking up multiple insurance policy providers and comparing all the features and pricing. It is an innovative service where Policygenius staff handholds the customer from inception till signing up for the policy.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 3, 2019

    From a few simple questions online, to a quick phone call, to ongoing service, Policygenius has always had team members available to help. I received transparent, objective quotes to switch my current insurance provider, and Policygenius helped make the transition. They made it easy to shop for a better policy, and assisted with everything from getting quotes to responding to the insurer's concerns from the inspection.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 2, 2019

    I talked with a few different people at Policygenius and they were all helpful. They responded to my questions quickly and they were able to find an insurance policy that saved me about $300 per year between my homeowners and auto policies.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 1, 2019

    I used Policygenius initially for Life Insurance. I was so happy with their service and the options they found me that I came back for homeowner's insurance. I ended up using the same company they found me for auto insurance too. Very happy customer.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 12, 2019

    I had a fantastic experience working with PolicyGenius. I was assigned an agent named Fabio and he was very patient with me. He listened to all my questions, provided thorough answers, and did a great job of explaining the process. Highly recommend!

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    Policygenius Homeowners Insurance Company Information

    Company Name:
    Policygenius Homeowners Insurance
    Website:
    www.policygenius.com