Swyfft Homeowners Insurance Review & Ratings (2025)
Find the Best Swyfft homeowners insurance for high-risk weather areas. Get fast quotes, comprehensive coverage, and an easy claims process. Learn about Swyfft's data-driven online quoting system and its offerings for homes in hazardous weather locations. Discover the pros and cons of Swyfft Insurance, including customer reviews and concerns about the accuracy of their quotes.
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Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Ty Stewart
Licensed Real Estate Agent
Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...
Diego Anderson
Updated September 2024
Welcome to our comprehensive guide on Swyfft homeowners insurance. In this article, we will delve into the details of Swyfft Insurance, specializing in providing coverage for high-risk weather areas like Texas and Florida. We’ll explore their unique data-driven online quoting system, the pros and cons of their policies, and customer reviews to help you make an informed decision.
- Swyfft Insurance offers homeowners policies to customers in high-risk weather regions, like Florida
- Its claim to fame is its online quote system that uses high tech data to give you a quote in seconds
- They do not underwrite any of their policies, and their disclosure gives little detail on the carriers they work with
Learn about the comprehensive coverage options, the claims process, and the concerns surrounding the accuracy of their quotes. To ensure you get the best rates and coverage, we invite you to enter your zip code and compare rates from the top insurance providers in your area. Protect your home with confidence and find the ideal Swyfft homeowners insurance policy for your needs.
Information About Swyfft Insurance
Swyfft Insurance is a newer company founded in 2014, with its headquarters in Morristown, New Jersey. They offer homeowners insurance in six states:
- Alabama
- Florida
- Massachusetts
- New Jersey
- New York
- Texas
Swyfft also offers excess and surplus insurance lines. Excess and surplus is specialty insurance offered to customers who have difficulty obtaining homeowners insurance through standard companies.
Some examples of high-risk or difficult-to-insure situations are homes in hazardous weather locations, historical homes, and homes with unrepaired damage.
Swyfft offers excess and surplus homeowners insurance policies to people in these states:
- Alabama
- Florida
- Louisiana
- Massachusetts
- North Carolina
- South Carolina
- Texas
Swyfft also has commercial packages available to customers in Illinois, New Jersey, New York, and Washington.
In Florida, Swyfft offers an excess and surplus commercial insurance policy that is not available in other states.
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Who owns Swyfft Insurance?
Richard Tezza and Sean Maher are the co-founders of Swyfft Insurance. When Richard bought a home and began to look for homeowners insurance, the process to receive a quote took him two weeks.
Richard and Sean’s mission became to develop an online quote system that provides customers with accurate quotes within seconds. They managed to raise the seed money to start the company and opened up its doors in 2014.
Who underwrites Swyfft insurance policies?
Swyfft does not underwrite its policies. According to its website, it uses multiple carriers to underwrite insurance that all carry at least an “A-” rating with A.M. Best.
According to Swyfft Insurance, Clear Blue Insurance Company and Clear Blue Specialty Insurance Company handle much of its underwriting.
Getting a Quote from Swyfft Insurance
Swyfft prides itself on its data-driven quote system that gives homeowners a quote in about ten seconds. The company aggregates so much data and analytics that they feel confident in issuing quotes by entering an address into their system. This tool is available on the front page of their website.
It’s not a foolproof approach, however. The quoting system uses a lot of assumptions, including the value of your dwelling, the square footage, and the year built.
As a result, your actual premium could fluctuate from what their online quote system compiles.
Swyfft Insurance Products Available to Homeowners
Swyfft requires every policy to come with comprehensive coverage, which it covers your personal property along with your dwelling. Swyfft also builds the price of the comprehensive policy into your quote.
Each Swyfft policy automatically comes with these coverages:
- Dwelling. This coverage repairs and replaces home structure damage.
- Other structure. Swyfft also covers any unattached structures on your property, like a shed.
- Personal property. Swyfft covers personal property, including outdoor items.
- Living expenses. You also have coverage for temporary housing expenses if you become displaced.
- Personal liability. Personal liability coverage protects you from property and injury damage lawsuits.
- Medical expenses. Swyfft covers injuries if a visitor is hurt while on your property.
Swyfft only offers one additional coverage option in 2022. This option is their “Equipment Breakdown” package, covering electrical, mechanical, and pressure system breakdowns. Appliances such as an air conditioner fall into this category.
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Expert Handling of Swyfft Homeowners Insurance Claims
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Swyfft Insurance aims to simplify the claims process for its policyholders. One of its standout features is the convenience of filing a claim. With the company’s user-friendly mobile app and online platform, policyholders can easily initiate a claim from the comfort of their homes.
The mobile app, in particular, provides a seamless and intuitive interface, making it quick and straightforward to report a claim. Whether you prefer using your smartphone, computer, or a traditional phone call, Swyfft offers multiple channels for filing claims, ensuring accessibility for all policyholders.
Average Claim Processing Time
One critical factor in evaluating an insurance company is the speed at which claims are processed. Swyfft Insurance prides itself on its efficient claims processing system. While individual cases may vary, the company strives to handle claims promptly, allowing policyholders to receive the assistance they need when facing property damage or loss.
Quick claim resolutions can provide peace of mind during challenging times, and Swyfft’s commitment to swift processing is a notable aspect of its service.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a pivotal role in assessing an insurance provider’s performance. Swyfft Insurance has garnered mixed reviews regarding its claim resolutions and payouts. While many customers appreciate the company’s fast response to filed claims and professional service, there have been concerns raised about certain claim denials, particularly related to issues like old roofs.
Swyfft’s responsiveness to hurricane claims and its effectiveness in handling claims in coastal environments have earned praise. It’s essential for potential policyholders to consider these customer experiences when evaluating Swyfft’s claims process and decide if it aligns with their expectations.
Beyond Traditional Insurance: Swyfft Homeowners Insurance Tech
Mobile App Features and Functionality
Swyfft Insurance stands out in the insurance industry with its robust mobile app features and functionality. The app offers policyholders convenient access to their insurance information, allowing them to manage their accounts, file claims, and monitor their coverage seamlessly.
With a user-friendly interface and a range of useful tools, the Swyfft mobile app empowers customers to have greater control over their insurance experience. It’s a valuable resource for those who prefer managing their policies digitally.
Online Account Management Capabilities
In addition to its mobile app, Swyfft provides policyholders with comprehensive online account management capabilities. This feature allows customers to access their policy details, review coverage options, make payments, and update personal information with ease.
The online portal simplifies the process of maintaining and modifying insurance policies, enhancing the overall convenience for Swyfft’s policyholders.
Digital Tools and Resources
Swyfft Insurance recognizes the importance of equipping its customers with digital tools and resources. These resources go beyond basic policy management and provide valuable insights into insurance-related topics.
Whether it’s educational content, safety guidelines, or helpful FAQs, Swyfft’s commitment to offering digital resources enhances the overall customer experience. These tools empower policyholders to make informed decisions and navigate the complexities of homeowners insurance effectively.
Swyfft Insurance Customer Reviews
Swyfft Insurance has mixed reviews from its customers. It has accrued over 1,000 ratings from policyholders on several platforms, with an overall rating of 3.5 stars.
Customers have written positive remarks about the company’s fast response to filed claims and professional service.
Customers have also said that the company promptly handles hurricane claims and works well in resolving claims for customers in coastal environments.
However, there are several negative reviews worth mentioning.
There are many complaints of Swyfft dropping policyholders because of old roofs. One customer said Swyfft gave them 10 days to update their roof, or it would drop their policy.
Others have voiced concerns about Swyfft denying their claims.
Swyfft has company representatives that address all reviews online, providing rebuttals to negative reviews and assisting customers with grievances.
Overall, Swyfft has a good star rating compared to other Florida homeowners insurance companies.
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What to Know About Swyfft Insurance in 2022
Swyfft Insurance is a newer company that prides itself in its lightning-fast quoting system. There are concerns over the quotes it gives online because they assume a lot of customer information, including the home’s value.
It has an excellent online portal where policyholders can easily manage their accounts and file claims quickly.
Swyfft offers the basics of homeowners insurance coverage, but they require every policy to come with comprehensive coverage, which covers personal belongings and dwellings.
Since the company does not write its own policies, there is no Swyfft insurance rating from A.M. Best or the National Association of Insurance Commissioners. However, they claim that all their insurance carriers have at least an “A-” rating from A.M. Best. They only disclose working with Clear Blue Insurance Group, based in Puerto Rico.
Customer reviews are a mixed bag, but air on the side of positivity. Many note that Swyfft is quick to work through the claims process, yet others have had issues with canceled policies and denied claims.
Overall, Swyfft Insurance could be a good company for you if you live in a high-risk weather area and are looking to get a quote quickly. Another good company that offers high-risk coverage is American Integrity Insurance.
Frequently Asked Questions
What does Swyfft Insurance specialize in?
Swyfft Insurance specializes in providing homeowners insurance policies to customers in high-risk weather areas like Texas and Florida.
What is unique about Swyfft Insurance?
Swyfft Insurance is known for its fast data-driven online quoting system that gives customers quotes within seconds of entering their address.
Who owns Swyfft Insurance?
Swyfft Insurance was co-founded by Richard Tezza and Sean Maher.
Does Swyfft Insurance underwrite its policies?
No, Swyfft Insurance does not underwrite its policies. Instead, it uses multiple carriers to underwrite insurance policies, all of which carry at least an “A-” rating with A.M. Best.
How accurate are the quotes from Swyfft Insurance?
Swyfft Insurance quotes are compiled using assumptions such as the value of the dwelling, the square footage, and the year built. As a result, the actual premium could vary from what the online quote system generates.
What types of coverage does Swyfft Insurance offer?
Swyfft Insurance requires every policy to come with comprehensive coverage that covers personal belongings and dwellings. Additionally, they offer an “Equipment Breakdown” package that covers electrical, mechanical, and pressure system breakdowns.
What is Swyfft Insurance’s customer review rating?
Swyfft Insurance has mixed reviews from its customers, with an overall rating of 3.5 stars out of 5. Many customers praise the company for its fast response to filed claims and professional service, while others have had issues with canceled policies and denied claims.
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