Reviews Report

• Established in 2014, Swyfft is a managing general agent (MGA) for homeowners insurance with state-by-state availability that changes over time; verify current eligibility directly with Swyfft.
• Swyfft distributes homeowners and small-business (commercial) insurance through partner carriers, with some placements on Excess & Surplus (E&S) paper.
• Swyfft policies are issued by partner insurers; many programs have used carriers in the Clear Blue Insurance Group, which AM Best currently rates B++ (Good) with a stable outlook—always confirm the issuing insurer on your declarations page and check its latest rating (Swyfft legal; AM Best).

As a data-driven MGA, Swyfft offers a fast, address-only quote experience for homeowners, but availability is state-specific and changes periodically; confirm current eligibility via Swyfft’s quoting flow or an appointed agent. Because policies are written on partner carrier paper, offerings can vary by state and over time. Swyfft also offers small-business (commercial) insurance, and some risks may be placed in the Excess & Surplus (E&S) market. 

Swyfft Home Insurance is one of the newer companies on the market, having been founded in 2014. As an MGA, it does not maintain a permanent, publicly dated list of active states; availability can shift with partner-carrier capacity and market conditions, so treat static state lists with caution and verify directly before applying (industry context; SERFF filings portal for corroboration).

Swyfft’s homeowners policies are underwritten by partner insurers rather than Swyfft itself. Historically, many programs have used Clear Blue Insurance Group entities; AM Best currently rates those carriers B++ (Good) with a stable outlook following a 2023 downgrade and subsequent affirmations—always confirm the specific issuing insurer and its latest rating (AM Best; Business Insurance; Swyfft legal).

Because Swyfft is an MGA with policies issued by partner carriers, it does not have a standalone J.D. Power homeowners rating; satisfaction and complaints are tracked under the underwriting insurer’s name. For industry context, see the 2024 J.D. Power U.S. Home Insurance Study. To review complaints, search the carrier of record in the NAIC Consumer Insurance Search. For financial strength, check the issuing carrier’s current AM Best rating; for example, Clear Blue companies are rated B++ (Good) with a stable outlook following a 2023 downgrade and later affirmations.

Methodology

We evaluated the company based on its customer rating and experience, financial stability, and coverage. To compare Swyfft with home insurance companies across the board, we calculate each Reviews.com score out of 5 points based on the following:

• Customer Ratings — Customer ratings are an indication of satisfaction with the claims process. We measure this using J.D. Power U.S. Home Insurance Study results; MGAs like Swyfft are not scored as standalone brands.
• Coverage — As there isn’t one company to fit everyone’s needs, we evaluate companies by the amount of coverage options and add-ons available. 
• Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We use AM Best’s ratings, which specialize in assessing the financial strength of insurance companies.
• Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

The Competition

All information accurate as of 2025.

*J.D. Power 2024 U.S. Home Insurance Study, based on a 1,000-point scale.

**Some providers don’t have enough third-party ratings to calculate a score.

Swyfft vs. Lemonade

The matchup of Swyfft vs. Lemonade pairs two digital-first brands, but they now play in different lanes. Swyfft operates as an MGA focused on homeowners and, increasingly, small-business insurance, while Lemonade is a licensed carrier offering renters, homeowners/condo, pet, term life, and auto (expanded via its Metromile acquisition). Because of these differences — and Swyfft’s state-by-state availability — direct, apples-to-apples comparisons can be limited (Swyfft; Lemonade investor relations).

Complaint indices are tracked under the underwriting insurer’s legal entity. For Lemonade, search Lemonade Insurance Company; for any Swyfft policy, search the carrier named on your declarations page. Use the NAIC Consumer Insurance Search to view the latest indices by line of business.

Lemonade’s homeowners availability spans many states, whereas Swyfft’s homeowners eligibility is dynamic and state-specific — verify current availability directly with Swyfft. In 2025, Swyfft’s emphasis on commercial small business further differentiates the two brands.

Swyfft vs. Geico

Swyfft is a newer, data-driven MGA, whereas GEICO is a large, national insurer group primarily known for auto and distributing homeowners coverage through agency partners. Their scale, product breadth, and distribution models differ markedly (Berkshire Hathaway reports).

Currently, Swyfft’s homeowners availability is state-dependent and subject to change, while GEICO offers nationwide distribution and typically places homeowners policies with partner insurers rather than underwriting most home policies itself. GEICO also offers a broad suite of auto and specialty coverages. For GEICO home customers, the servicing experience depends on the partner insurer writing the policy.

While Swyfft may fit buyers seeking a fast, highly digitized quote, it’s hard to compete with the options, flexibility, and scale that GEICO brings to the table.

The Bottom Line

Overall, Swyfft homeowners insurance remains a niche, state-specific option. Its address-only, data-driven quoting aims to return a price in seconds, aligning with the broader market shift toward prefill and straight-through processing (Swyfft).

Quotes can start with just a property address, but final eligibility, price, and underwriting decisions come from the partner insurer and may require additional information. Because availability and carrier partners can change with market conditions, confirm the issuing insurer, its current AM Best rating, and state eligibility before you buy (Swyfft legal; AM Best; market context).

Swyfft Home Insurance FAQ

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