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Swyfft insurance review 2024

Updated Mar 11, 2024
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At a glance

Bankrate's take

People who want a fast, basic home insurance quote and don’t need extensive coverage may find a good match in Swyfft.

  • Swyfft uses patented analytics to offer quick and accurate home insurance quotes by just using your address
  • Standard replacement cost coverage is included for both home and personal property in all homeowners policies
  • Optional equipment breakdown coverage for a wide range of systems and appliances, usually for $50 or less
  • Private flood insurance is available through Lloyd's, rated A- by AM Best


What’s new with Swyfft?

Swyfft, LLC, a New Jersey-based insurance firm known for its innovative approach to homeowners insurance, has come under regulatory scrutiny by the Texas Department of Insurance (TDI). In a consent order dated June 16, 2023, TDI outlined a series of violations and subsequent actions taken against Swyfft and its associate, Richard Daniel Trezza.

Swyfft and Trezza have consented to rectify their licensure oversights, which involved acting outside their general lines agency license's scope for six years. The duo was found operating as both a managing general agent (MGA) and adjuster for Texas insurers without the necessary licenses. The resolution to this oversight includes the approval of their MGA license applications, subject to a two-year probated suspension and detailed reporting obligations, as well as a joint payment of a $55,000 administrative penalty.

This enforcement action stems from a market conduct examination that uncovered Swyfft's unauthorized engagements with Clear Blue Insurance Company and Benchmark Insurance Company. Although Swyfft operates in various states with different licensing requirements, its activities in Texas fell short of the state's regulatory mandates.

Swyfft home insurance review

Swyfft home insurance sets itself apart from the rest of the insurance industry by using a patented risk-assessment process to generate personalized premiums. Swyfft could be a good option if you are looking for a technology-driven home insurance company and live in one of the states where it operates.

Although its tech-savvy approach to home insurance may be convenient for some homeowners, Swyfft may not be for everyone. Swyfft’s homeowners policies offer replacement cost coverage for your home and personal property, as well as coverage for other structures, living expenses, personal liability and medical expenses related to injuries a guest sustains on your property. However, the company only has two endorsement options available: equipment breakdown coverage and flood insurance. Its private flood insurance offering is new and only available to customers in Florida and Texas.

Policyholders should also note that Swyfft insurance policies are underwritten by several companies, including Clear Blue Insurance Company, Clear Blue Specialty Insurance Company, Benchmark Insurance Company, Topa Insurance Company and Lloyd’s (for flood insurance).

The bottom line is that while the company’s home policies are fairly comprehensive with regard to basic damage, if you want a highly customized plan, Swyfft may not be the best insurance provider for your needs.

Pros and cons of Swyfft home insurance

Green circle with a checkmark inside


  • Technology-driven quoting with fast results
  • Coverage available in some high-risk states
  • Underwriting companies have strong financial strength ratings from AM Best and Demotech
Red circle with an X inside


  • Insurance is available in few states
  • Coverage options are limited
  • Not rated by J.D. Power for customer satisfaction
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Swyfft customer satisfaction

One key way to evaluate insurance carriers is through third-party rating systems such as those maintained by J.D. Power, the National Association of Insurance Commissioners (NAIC) and AM Best. Each of these entities uses its own system to measure different components of a company. J.D. Power compares companies to each other on issues of customer satisfaction. The NAIC compiles formal complaints filed against companies, and AM Best rates companies based on their historical financial strength. In general, the better a company performs within these rating systems, the more reliable it may be. Swyfft was not rated in J.D. Power’s 2023 U.S. Home Insurance Study, which surveys customers about their experience with a specific carrier.

AM Best does not have a financial strength rating for Swyfft insurance, but its underwriting companies do. Clear Blue Specialty Insurance and Clear Blue Insurance both are rated as A- (Excellent). Benchmark Insurance Company has an A (Excellent) rating.

With this limited information, speaking to current and former policyholders may be the best way to gauge Swyfft customer satisfaction and experience.

Swyfft homeowners insurance customer complaints

Swyfft does not have an NAIC Complaint Index, but its underwriting companies do. Clear Blue Insurance has a 2023 NAIC homeowner complaint index of 0.82 and Clear Blue Specialty Insurance has a complaint index of 1.01 for its home insurance product. Benchmark Insurance Company has a homeowner complaint index of 0.27. Lastly, Topa Insurance Company had an undefined complaint index for its home insurance product in 2023 — but its 2022 complaint index is concerning at 450.78. These indexes show that the customer satisfaction you could expect with Swyfft may vary based on the underwriting company you are paired with.

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Swyfft home insurance cost

Average premiums for Swyfft home insurance are not currently available, but the home insurance quoting process can be started online or by contacting a Swyfft agent. For comparative purposes, it may be helpful to know that the U.S. average cost of home insurance for $300,000 in dwelling coverage is $2,151 annually.

Swyfft home insurance discounts

While other insurance carriers may draw you in with a wide array of available discounts, Swyfft does not make this information public on its website. You can always call to inquire about possible discounts Swyfft may have. As various third-party companies underwrite Swyfft homeowners insurance policies, available discounts may vary based on which company is writing your policy.

While not a standalone discount, Swyfft does have a Direct Repair Deductible Savings Program. With it, policyholders could receive a 10 percent discount off their non-wind deductible when filing a claim, free emergency repairs if a partner of the Swyfft network completes it and a three-year guarantee for any work completed by a vendor in the network.

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Powered by (NPN: 19966249), LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Compare Swyfft with other insurers

Shopping for home insurance quotes can be tricky. Whether you’re looking for the cheapest home insurance company, a trusted customer service experience or something else completely, you might find the best company by shopping around and comparing quotes. If you’re interested in Swyfft but not sure it’s the right fit, you may want to get quotes from these companies.

Swyfft vs. Kin

If Swyfft’s technology-focused approach appeals to you, consider getting a quote from Kin. Available in seven states — Alabama, Arizona, Florida, Louisiana, Mississippi, South Carolina and Virginia — Kin also applies a data-driven method to policy rating. Kin advertises an array of potential discounts but does not have many third-party customer satisfaction scores, either.

Learn more: Kin Insurance review

Swyfft vs. Lemonade

Another relatively new company, Lemonade uses artificial intelligence in everything from its quoting to its claims process. Lemonade is also a Certified B-Corp, so it could be a good choice for homeowners looking for a socially conscious company. Lemonade is also not rated by major rating bureaus, but it does have a mobile app for digital policy management. Notably, Lemonade took home the 2024 Bankrate Award for best digital home insurance company.

Learn more: Lemonade Insurance review

Swyfft vs. Hippo

Hippo uses artificial intelligence to build out its home and condominium insurance policies and offers an array of coverage options and discount opportunities. However, like many insurtech options, personalized service from an insurance agent may not be available.

Learn more: Hippo Insurance review

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Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Swyfft insurance review.


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Is Swyfft a good insurance company?

Bankrate’s Swyfft Insurance review was conducted by insurance experts who are dedicated to helping you find the best home insurance company for your needs. If you have had difficulty finding home insurance with most insurance carriers and live in one of Swyfft’s coverage areas, the company may be worth a look. The carrier also offers “excess and surplus lines'' home insurance in a few states, which provides coverage for higher-risk or unique properties. The company uses various data sources and analytics, rather than relying on application questions, to rate its insurance policies. However, there is limited information about its customer service experience, so you may want to speak with current policyholders before buying a policy.

What are real-life customers saying about Swyfft?

To gain a deeper understanding of Swyfft's customer experience, we've delved into real-life accounts from those who have engaged with the company firsthand. By sourcing feedback from both Reddit, a community-driven discussion board, and Trustpilot, a dedicated review and ratings platform, we're able to provide a well-rounded view of Swyfft from the perspective of actual policyholders. These insights offer valuable context beyond the basic facts and figures, highlighting the real-world implications of choosing Swyfft for insurance needs.


On Reddit, customers have shared varied experiences with Swyfft, highlighting both positives and challenges. One user appreciated Swyfft for their competitive rates and swift claims process, noting a significant improvement in service compared to previous insurers. However, another user experienced a substantial increase in their renewal rate after the initial year, echoing a sentiment that the initial low rates offered by Swyfft might not be sustainable in the long term.

Reddit user 1
Sep 2, 2018
I selected them after getting many quotes last...
“I selected them after getting many quotes last year that were over-the-top expensive. The agent placed me with them very quickly. Their rates were much lower than the many quotes I had received. I was a little hesitant at first because, like you, I researched them and did not find a great deal of information. However, after I filed a claim and they paid within 30 days, I now know that they pay claims and don’t give you the runaround. Everyone I spoke with was professional. Promptly returned calls and addressed any concerns. I am pleased to say as it stands, Swyfft has eradicated any concerns I had. They have proven to be reliable insurance. I hope this post helps.”
Reddit user 2
Jul 3, 2019
So I am currently with Swyfft. When I bought...
“So I am currently with Swyfft. When I bought my home last year they were the cheapest rate I could find. But this year my renewal went up over 50 percent.” Another Reddit user shared their opinion on the matter, “I saw that coming with Swyfft. They had ridiculously low rates and we knew it wouldn’t last. Just about all renewals have doubled in rate and they stopped accepting new business in Harris County, Texas.”


Trustpilot reviews reveal frustrations with Swyfft, particularly regarding unresponsive claim adjusters and the abrupt closure of claims without proper resolution. One review expressed dissatisfaction with the company's overall service, citing a lack of communication and managerial accessibility. Another highlighted the company's reluctance to engage with clients who have previously filed claims, suggesting a preference for customers who do not make claims, thereby questioning the company's support in times of need.

Trustpilot user 1
Aug 15, 2023
Rating: 1 stars out of 5
“Trash. We have been trying to reach the adjuster for a claim update. They were non-responsive for over 30 days. Then today when I finally got a hold of someone...they stated that the claim had been closed (which should have never been closed in the first place) and the adjuster no longer works for the company. Now we have to wait to see if a manager wants to re-open the claim. I was not allowed to speak to a manager because all the claims managers FOR THE ENTIRE REGION are in a meeting. Terrible service!!!!”
Trustpilot user 2
Apr 15, 2020
This Company no better than any other
Rating: 1 stars out of 5
“Swyfft, like other Insurance companies, wants to insure your home, take your money and tell you that they are there for you and list all the things they will be responsible for. PROVIDING you NEVER FILE a CLAIM. If you do! They hold it against you, and worst of all. IF YOU have EVER filed a claim in the past? They want nothing to do with you. To sum it up. As long as you are a cash cow to them you are golden. Please be advised. Find a Company that will ONLY cover CATASTROPHIC Claims. That way you will not be enticed to call them for anything short of a national emergency.”

Swyfft company details

  • Customer service: 1-855-479-9338
  • Claims: 1-877-799-3389

State availability

Swyfft insurance products are available in Alabama, Florida, Louisiana, Massachusetts, North Carolina, South Carolina and Texas.

Swyfft tools and benefits

Being a newer company, Swyfft’s policy offerings are limited outside of homeowners’ insurance. However, the company does provide commercial insurance coverage for the following in limited states:

  • Apartment buildings
  • Condominium associations
  • Shopping center owners and operators
  • Office buildings

Frequently asked questions about Swyfft


Bankrate Scores 

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Written by
Ashlyn Brooks

Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.

Edited by Editor, Insurance