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As their name implies, Swyfft delivers a fast experience to quote and buy home insurance. But what does that mean for you, the homeowner?

Swyfft recently raised a $7.5 million round of venture funding to offer one-click convenience in home insurance shopping. Their quoting process is a huge improvement over industry giants like State Farm, which can require 126 questions just to get a quote. So how does Swyfft do it so quickly, and what’s under the hood of their home insurance policy?

Here’s everything you need to know about Swyfft insurance:

How does Swyfft determine insurance costs?

Swyfft pre-fills many data points needed on a home insurance application by using LIDAR (light detection and ranging data).

Swyfft can scan and analyze the area around your home and price your home insurance policy accordingly. They also connect to third-party data sources that provide home feature characteristics (like the construction year of your home) to generate your quote. Swyfft claims all this data allows them to price the policy more economically to save you 10-20% on your home insurance premium.

They are so confident in their data prowess they include guaranteed replacement cost on their policies in some states:

  • Guaranteed Replacement Cost: CA
  • Extended Replacement Cost: NY, TX, AL, FL, NJ, MA (all optional)

With either guaranteed or extended replacement cost, even if your Swyfft policy only includes $350,000 in dwelling coverage, if your home burns down and ends up costing $400,000 to rebuild, they’ll cover the difference. Swyfft’s confidence in their data ends up being a great deal for you.

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Swyfft details and reviews

Swyfft technically isn’t an insurance carrier. Rather, they’re what’s called an MGA (managing general agency). An MGA controls the branding, pricing, and claims experience of the policy, but someone else puts up the capital needed to write your policy — the insurance carrier.

Swyfft uses Clear Blue Insurance Company as their primary carrier. Clear Blue Insurance is rated with an AM Best Rating of A-.

What’s protected with Swyfft insurance?

The good news is Swyfft uses the same ISO standard home insurance form used by most of the industry. So, you can compare their home insurance coverage to other similar insurance providers.

Filing a claim with Swyfft

Claims are always a sticky subject, for both new and old carriers. Larger carriers like State Farm have more experience in claims, so when it comes time to file a claim, they’re more equipped to help. Of course, you’ll pay for this in higher premiums and paying for their expensive ad budgets (in 2016, GEICO spent $1.35B on ads, and State Farm spent $629M).

Where is Swyfft available?

Swyfft is available in California, Texas, Alabama, Florida, New York, Massachusetts, and New Jersey.

Final thoughts

Swyfft’s reviews have been top-notch on the upfront buying experience, with most complaints regarding slower response times for policyholders’ claims.


Need home insurance?
The Credible marketplace, which includes insurance services by Young Alfred, makes it easy to find a carrier and policy that’s right for you.

  • Fully online — Fill out all insurance forms online and buy homeowners coverage without ever picking up the phone. If you have any questions, Young Alfred offers 24/7 customer service.
  • Save time, money, and effort — Compare quotes from highly rated home insurance carriers in your area. It’s fast and easy.
  • Data privacy — Your information is kept safe and secure. We don’t sell your information to third parties, and you won’t get any spam phone calls from us.

Get Insurance Quotes Now

Disclaimer: All insurance-related services are offered through Young Alfred.

About the author
Credible Staff
Credible Staff

The goal of the Credible editorial writers and staff is to help our readers get up to speed on issues surrounding student loans, mortgage, and personal finance, so you can make informed decisions. We’re here to help you stay on top of the latest news, trends, concepts, and changes in policy and regulations.

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