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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.

Swyfft insurance review 2023

Updated Aug 03, 2023

At a glance

Rating: 2 stars out of 5
Bankrate Score
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Rating: 2 stars out of 5


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Bottom Line

If you experience difficulty assessing your home’s risk on your own, Swyfft is an innovative new insurance company that may be right for you. The company uses a patented process to assess risk based on your address and gives you a personalized quote in only a few seconds. However, coverage options are more limited than they are from many other carriers.

  • Technology-driven quoting

  • Coverage available in some high-risk states

  • Underwriting companies have strong financial strength ratings from AM Best

  • Website is sparse

  • Coverage types are limited

  • Not rated by J.D. Power for customer satisfaction

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Swyfft home insurance

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.

Despite its tech-savvy approach, Swyfft may not be for everyone. Swyfft’s coverage offerings are relatively basic, with only one optional endorsement — equipment breakdown coverage — available. The rest of the coverage types listed on the website are standard on most home insurance policies. If you are looking for a personalized policy, Swyfft may not be the best option.

Policyholders should also note that Swyfft policies are underwritten by one of three underwriting companies: Clear Blue Insurance Company, Clear Blue Specialty Insurance Company and Benchmark Insurance Company.

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Powered by (NPN: 19966249)
Insurance Disclosure, 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.

Quick Facts
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage

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Swyfft home insurance cost

Average premiums for Swyfft home insurance are not currently available, but home insurance quotes can be started online or by contacting a Swyfft agent.

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.

The following questions may help guide your conversation when you inquire about discounts:

  • Are discounts offered for certain home safety features?
  • Are deductible savings available if you remain claim-free?
  • Are there special savings available by bundling coverages?
  • Are discounts available if you make home improvements?
  • Are there special rates offered to those who are retired?
  • Are discounts offered for new homes?

As Swyfft homeowners insurance policies are underwritten by various third-party companies, available discounts may vary based on which company is writing your policy.

Swyfft home tools and benefits

Although Swyfft doesn't advertise any discounts, it does offer a Direct Repair Deductible Savings Program that gives participants a 10 percent discount on the non-wind deductible of their home insurance policy if they need to file a claim. The program includes access to a network of vendors for necessary repairs and a three-year guarantee on ant work completed by an approved network vendor.

Swyfft customer satisfaction

Swyfft was not rated in J.D. Power’s 2022 Home Insurance Study, which surveys customers about their experience with a specific carrier. Swyfft also does not have a National Association of Insurance Commissioners’ (NAIC) Complaint Index, but its underwriting companies do. Clear Blue Specialty Insurance has an NAIC Complaint Index of 0.65 for its home insurance product and Clear Blue Insurance has an index of 4.03. Benchmark Insurance Company has a homeowners product index of 0.14. An index of 1.00 is considered standard, so a value below that means the company receives fewer complaints than expected about its product and vice versa. These indexes show that the customer satisfaction you could expect with Swyfft may vary based on the underwriting company you are paired with.

Like the NAIC, AM Best does not have a financial strength rating for Swyfft, 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.

How to file a claim with Swyfft

Filing a claim with Swyfft can be done on the company's website or by calling the claims department at 1-877-799-3389.

Swyfft availability

Swyfft’s home insurance availability is limited. It offers home insurance from admitted carriers in Alabama, Florida, Massachusetts, New York and Texas. Excess and surplus lines home insurance is offered in Alabama, Florida, Massachusetts and Texas.

Other Swyfft perks worth considering

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

Swyfft corporate sustainability

Swyfftt does not list any information about social programs or environmental initiatives on its website.

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, you could get a quote from Kin. Available in Florida and Louisiana, 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.

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 insuretech options, personalized service from an insurance agent may not be available.

Learn more: Hippo Insurance review

Is Swyfft a good insurance company?

Bankrate’s Swyfft Insurance review was conducted by our insurance experts, who have a combined 47 years of industry experience and 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, it 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.

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Bankrate Score methodology

Our 2023 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.

Like our previous Bankrate Scores, 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. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. PowerAM Best and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

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


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Written by
June Sham
Former Writer, Insurance

June Sham is a former insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies.

Edited by Editor, Insurance