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Swyfft Homeowners Insurance Review

Swyfft homeowners insurance uses advanced technology to offer fast quotes for its customers ​
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Swyfft Home Insurance is one of the newest companies on the market, opening its doors just a few years ago in 2014. As the company is so new, there are limited resources available for conducting an extensive Swyfft home insurance review. That being said, there are some key elements to look at to get an idea of the quality of service offered by the company.

A few of the highlights that are important include Swyfft’s high AM Best Financial Strength rating, and while it may not have been in business for long, the company doesn’t require your credit score to get a quote, so it’s worth taking a look if your credit history isn’t too good and you live in one of the six states where it’s available.

Swyfft Home Insurance Overview

In business since:
J.D. Power Score: J.D. Power scores are based on surveys for customer satisfaction and product quality.
A.M. Best Financial Strength Rating: AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
States served:

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.


  • Receive a quote within minutes
  • Fully online process
  • No credit score required for quote


  • Swyfft uses underwriters to carry out the policy
  • Policies not available nationwide
  • Vague information about its partners

Swyfft Highlights

Customer experience
Deals, discounts, and add-ons

The pricing of Swyfft’s policy depends solely on your home. 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 homeowner’s 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.

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 for medical bills. The same is true if you’re liable for an accident away from your home, as long as it doesn’t involve a car.

Swyfft is available in:

  • Alabama
  • Florida
  • Massachusetts
  • New Jersey
  • New York
  • Texas

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.

Since this is a mostly digital insurance company, every transaction can be done online, although the website took some time to load, when we tried it. 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.

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. California is not currently in Swyfft’s area of coverage but it should be added soon.


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 based on the following:

  • Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
  • Coverage — As there isn’t one company to fit everyone’s needs, we evaluated 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 will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes 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

CompanyReviews.com Score**AM BestJ.D. PowerNAIC
LemonadeN/AN/AN/AMore complaints than average
Geico2.75A++N/AMore complaints than average
State Farm 3.75A++829Fewer complaints than average
Allstate4A+829Fewer complaints than average
Progressive3.75A+797Fewer complaints than average

All information accurate as of September 21, 2020. *J.D. Power 2020 Home 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 could be named the battle of the newbies. Both Swyfft and Lemonade entered the home insurance market just a few years ago in 2014 and 2016, respectively. Because both companies are so new, there are limited third-party metrics available for comparison.

That being said, Lemonade has a score of 7.69 in the National Complaint Index report, which means the company receives significantly more complaints than the average insurer in the U.S. Unfortunately, we don’t have a metric from Swyfft to compare to, but the index is so high for Lemonade, it’s worth mentioning.

One area where Lemonade outshines Swyfft is in the service area. Lemonade currently offers homeowners insurance services in 24 states, where Swyfft is only available in six states.

Swyfft vs. Geico

Swyfft is one of the newest companies to enter the homeowner’s insurance market with less than 10 years in service. Geico, on the other hand, was founded over 80 years ago in 1936. As you might expect, this experience and time in service have a significant effect on the robustness of the offerings from both companies.

Currently, Swyfft is only available in six states for homeowners insurance, whereas Geico services all 50 states. Additionally, Swyfft is limited to homeowners’ insurance and commercial insurance in four states. Geico, on the other hand, offers a full suite of insurance products for all types of vehicles, property, business, and life insurance. You can also get extras like pet insurance, travel insurance, and identity theft protection through Geico. It’s worth noting, though, that many of Geico’s policies are issued through a network of partners, not by the company itself.

While Swyfft may grow into a viable player in the market, it’s hard to compete with the options, flexibility, and experience that Geico brings to the table.

The Bottom Line

Overall, Swyfft homeowner’s 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 some unknowns that some consumers may find pose a risk.

Swyfft Home Insurance FAQ

About the Authors

Jason Lee is a seasoned writer with a passion for writing about insurance, banking, and personal finance. As a Las Vegas local and area business owner for a decade, he knows the ins and outs of the city better than anyone.

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