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Last updated on May 28, 2020

Swyfft Homeowners Insurance Review

Swyfft homeowners insurance uses advanced technology to offer fast quotes for its customers ​
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Swyfft Home Insurance

  • Home insurance quotes in minutes
  • Rates determined by address only
  • Can save 10% to 20%
  • Option to file claim online
  • Founded relatively recently
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How We Reviewed Swyfft Homeowners Insurance

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7 companies compared

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4 features evaluated

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5 ratings analyzed

Swyfft Homeowners Review

Swyfft is an innovative newcomer in the home insurance space. It was founded in 2014 and relies on patented data technology to derive home insurance quotes using only an address—and it only takes a couple of minutes. This company is best for a customer looking for a straightforward process that’s comfortable with a fully digital experience. Something to keep in mind, though, is that Swyfft homeowners insurance is currently available in only 7 out of 50 states. 

Swyfft Home Insurance
Receive a quote within minutesSwyfft uses underwriters to carry out the policy
Fully online processPolicies not available nationwide
No credit score required for quoteVague information about its partners

The Home Insurance Factors We Analyzed


The pricing of a policy depends solely on your home, and Swyfft uses data and analytical methods to calculate how much a policy costs you in minutes using only your address. The founders of the company estimate they can save homeowners 10% to 20% every year. 

Typically, pricing for a homeowners insurance policy depends on many factors, including credit score. Since Swyfft doesn’t require this information, it could help anyone with lower credit get a good deal. Costs also differ based on your geographic location, the size of your home, and which policy you choose.

Customer experience

The Better Business Bureau (BBB) gives Swyfft an “A” rating and customers on the BBB site give it higher-than-average scores for the insurance industry. Swyfft homeowners insurance hasn’t been around long so there aren’t other ratings available from major agencies.  

In addition, Swyfft doesn’t cover every home in each of the states. Depending on the state you live in, you might have trouble finding a quote for your home at this time. Because of the ease of use, if you live in one of the supported states, it might at least be worth checking for a quote. 


You’re covered if your home is damaged and needs repairs or replacement, including the framing, walls, countertops, roof, and more. Swyfft covers any additional structures like a barn, a shed, or a studio on your property, as well as your belongings and items your children have while away at college. 

Furthermore, if your home is damaged to the point that you can’t stay there, Swyfft covers your temporary housing and boarding for your pets as needed. This coverage lasts until you can move back into your home. 

If anyone files a lawsuit against you for bodily injury or property damage originating on your property, Swyfft takes care of your attorney bills. In the event someone gets hurt on your property, you’re also covered. The same is true if you’re liable for an accident away from your home, as long as it doesn’t involve a car. 

Before shopping around for a policy, add up the total value of everything you own, including your home and your bank accounts, to determine the value of your assets. 

Deals, discounts, and add-ons

Swyfft doesn’t note any deals or discounts on its website. However, it does offer customers in Houston and San Francisco free home maintenance checks twice per year through its partner Sheltr. 

Swyfft Overview: Financial Strength, Availability, and History

In addition to its “A” rating, Swyfft gained accreditation with the BBB in 2018, indicating some positive customer experiences with the company. Because the business is newer, it may take more time for the larger rating agencies to provide evaluations of the company. All of Swyfft’s underwriters are labeled at least a strong “A-” by AM Best. 

  • In business since: 2014
  • S&P Financial Strength Rating: N/A
  • Moody’s Financial Strength Rating: N/A
  • AM Best Financial Strength Rating: Underwriters rated A- or better
  • States served: 7

The Competition

AM Best Financial Strength Rating
J.D. Power 2019 U.S. Home Insurance Study Score
J.D. Power 2019 U.S. Property Claims Satisfaction Study Score
NAIC Customer Complaints
Fewer complaints than average
Fewer complaints than average
Liberty Mutual
More complaints than average

All information accurate as of January 17, 2020.

The Bottom Line

Overall, Swyfft homeowners insurance is new to the market but is making waves in the insurance industry. Its patented technology turns a quoting process that might take another insurance company two weeks into one that only takes a few minutes. 

For customers with credit blemishes, Swyfft offers another avenue for receiving a home insurance policy because it only uses a person’s home address to come up with a quote. Because it’s still a young and growing company, there are still some unknowns that some consumers may find pose a risk.

Swyfft Homeowners Insurance FAQ

About the Authors

The Reviews.com staff is dedicated to providing you with all the deep-dive details. Our writers, researchers, and editors came together from Charlotte, Seattle, San Juan, Fort Worth, Fort Lauderdale, San Diego, and Chicago to put this review together.