Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict
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At a glance
3.0
Rating: 3 stars out of 5
Bankrate Score
Score breakdown
Home
Rating: 3 stars out of 5
3.0
Cost & ratings
Rating: 4 stars out of 5
4.0
Coverage
Rating: 3 stars out of 5
3.0
Support
Rating: 0.5 stars out of 5
0.5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
People who want a fast, basic home insurance quote and don’t need extensive coverage may find a good match in Swyfft.
Swyfft uses patented analytics to offer quick and accurate home insurance quotes by just using your address
Standard replacement cost coverage is included for both home and personal property in all homeowners policies
Optional equipment breakdown coverage for a wide range of systems and appliances, usually for $50 or less
Private flood insurance is available through Lloyd's, rated A- by AM Best
Swyfft home insurance review
Swyfft home insurance sets itself apart from the rest of the insurance industry by using a patented risk-assessment process to generate personalized premiums. Swyfft could be a good option if you are looking for a technology-driven home insurance company and live in one of the states where it operates.
Although its tech-savvy approach to home insurance may be convenient for some homeowners, Swyfft may not be for everyone. Swyfft’s homeowners policies offer replacement cost coverage for your home and personal property, as well as coverage for other structures, living expenses, personal liability and medical expenses related to injuries a guest sustains on your property. However, the company only has two endorsement options available: equipment breakdown coverage and flood insurance. Its private flood insurance offering is new and only available to customers in Florida and Texas.
Policyholders should also note that Swyfft insurance policies are underwritten by several companies, including Clear Blue Insurance Company, Clear Blue Specialty Insurance Company, Benchmark Insurance Company, Topa Insurance Company and Lloyd’s (for flood insurance).
The bottom line is that while the company’s home policies are fairly comprehensive with regard to basic damage, if you want a highly customized plan, Swyfft may not be the best insurance provider for your needs.
Pros and cons of Swyfft home insurance
Pros
Technology-driven quoting with fast results
Coverage available in some high-risk states
Underwriting companies have strong financial strength ratings from AM Best and Demotech
Cons
Insurance is available in few states
Coverage options are limited
Swyfft was not rated in the J.D. Power 2024 U.S. Home Insurance Study
Swyfft customer satisfaction
One key way to evaluate insurance carriers is through third-party rating agencies, such as J.D. Power and AM Best. J.D. Power ranks companies based on customer satisfaction. AM Best rates companies based on their historical financial strength.
However, Swyfft was not included in J.D. Power’s 2024 U.S. Home Insurance Study. AM Best has not rated Swyfft either but has rated its underwriting companies. Clear Blue Specialty Insurance and Clear Blue Insurance are both rated as A- (Excellent). Benchmark Insurance Company has an A (Excellent) rating.
With this limited information, speaking to current and former policyholders may be the best way to gauge Swyfft customer satisfaction and experiences.
Swyfft homeowners insurance customer complaints
The National Association of Insurance Commissioners (NAIC) compiles formal complaints filed against companies. As mentioned, Swyfft partners with multiple underwriting companies so customer satisfaction varies based on the company you are paired with. The NAIC Complaint Index provides insights into customer complaints relative to the industry average. Here are some trends Swyfft’s underwriters have seen over the years:
Clear Blue Insurance Company: The complaint index for Clear Blue Insurance Company showed significant improvement between 2022 and 2023, but skyrocketed in 2024. This could indicate that the company is struggling to efficiently manage claims or address customer concerns.
Clear Blue Specialty Insurance Company: This company has had minimal complaints in recent years. Although there was a slight increase in 2023, the score remains within a reasonable range, indicating overall stable and satisfactory customer experiences.
Benchmark Insurance Company: The complaint index for this company has fluctuated slightly in the last three years. Still, it maintains a respectable reputation. The complaint index saw a slight increase in 2024, but the company maintains an index score well below the baseline. This indicates strong customer satisfaction.
Topa Insurance Company: After a significantly high complaint index in 2021, Topa has made a notable recovery. The company has earned scores well below the national index in both 2023 and 2024. This suggests the company may have addressed previous customer concerns and has improved its service quality.
Swyfft home insurance cost
Average premiums for Swyfft home insurance are not currently available, but the home insurance quoting process can be started online or by contacting a Swyfft agent. For comparative purposes, it may be helpful to know that the U.S. average cost of home insurance for $300,000 in dwelling coverage is $2,408 annually.
Swyfft home insurance discounts
While other insurance carriers may draw you in with a wide array of available discounts, Swyfft does not make this information public on its website. You can always call to inquire about possible discounts Swyfft may have. As various third-party companies underwrite Swyfft homeowners insurance policies, available discounts may vary based on which company is writing your policy.
While not a standalone discount, Swyfft does have a Direct Repair Deductible Savings Program. With it, policyholders could receive a 10 percent discount off their non-wind deductible when filing a claim, free emergency repairs if a partner of the Swyfft network completes it and a three-year guarantee for any work completed by a vendor in the network.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Swyfft
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Swyfft with other insurers
Shopping for home insurance quotes can be tricky. Whether you’re looking for the cheapest home insurance company, a trusted customer service experience or something else completely, you might find the best company by shopping around and comparing quotes. If you’re interested in Swyfft but not sure it’s the right fit, you may want to get quotes from these companies.
Swyfft vs. Kin
If Swyfft’s technology-focused approach appeals to you, consider getting a quote from Kin. Available in seven states — Alabama, Arizona, Florida, Louisiana, Mississippi, South Carolina and Virginia — Kin also applies a data-driven method to policy rating. Kin advertises an array of potential discounts but does not have many third-party customer satisfaction scores, either.
Another relatively new company, Lemonade uses artificial intelligence in everything from its quoting to its claims process. Lemonade is also a Certified B-Corp, so it could be a good choice for homeowners looking for a socially conscious company. Lemonade is also not rated by major rating bureaus, but it does have a mobile app for digital policy management.
Hippo uses artificial intelligence to build out its home and condominium insurance policies and offers an array of coverage options and discount opportunities. However, like many insurtech options, personalized service from an insurance agent may not be available.
At Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of .
Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249).
For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Swyfft a good insurance company?
Bankrate’s Swyfft Insurance review was conducted by insurance experts who are dedicated to helping you find the best home insurance company for your needs. If you have had difficulty finding home insurance with most insurance carriers and live in one of Swyfft’s coverage areas, the company may be worth a look. The carrier also offers “excess and surplus lines'' home insurance in a few states, which provides coverage for higher-risk or unique properties. The company uses various data sources and analytics, rather than relying on application questions, to rate its insurance policies. However, there is limited information about its customer service experience, so you may want to speak with current policyholders before buying a policy.
What are real-life customers saying about Swyfft?
To gain a deeper understanding of Swyfft's customer experience, we've delved into real-life accounts from those who have engaged with the company firsthand. By sourcing feedback from both Reddit, a community-driven discussion board, and Trustpilot, a dedicated review and ratings platform, we're able to provide a well-rounded view of Swyfft from the perspective of actual policyholders. These insights offer valuable context beyond the basic facts and figures, highlighting the real-world implications of choosing Swyfft for insurance needs.
Reddit
Recent Reddit posts from policyholders insured with Swyfft reveal dissatisfaction, largely around inconsistency with what costs were expected and what costs arose later on.
Reddit user 1*
Jan 31, 2025
Issue when switching to another company
Don't get the service. They screwed me big time. I had a year with them, it was awesome. They sent a renewal via email that I never received and they went up 400 percent. So I call to cancel to go somewhere else. My agent Mr s helped me to move to another company which was cool but never told me that if u cancel during hurricane season they keep half of your refund. So I am stuck paying $2000 more to my mortgage because I was never [in]formed.
They offer "cheaper" than other company by $200 (5/10/24) and then threatened to cancel my policy prematurely (effective 2/8/25), then say that I have to pay an additional $1,200k in order to continue with my policy even though just paid for a new roof. Instead of decreasing my premium due to new roof, they increased it and threaten to cancel if I don't pay more. Seems like a scam to me. Terrible business model, whatever they are doing.
Trustpilot reviews reveal frustrations with Swyfft, particularly regarding unresponsive claim adjusters and the abrupt closure of claims without proper resolution. One review expressed dissatisfaction with the company's overall service, citing a lack of communication and managerial accessibility. Another highlighted the company's reluctance to engage with clients who have previously filed claims, suggesting a preference for customers who do not make claims, thereby questioning the company's support in times of need.
Trustpilot user 1*
Oct 25, 2024
Missing refund
I had 2 insurance companies take a payment from my mortgage Swyfft being one of them National Gen being the other. Swyfft processed their check before National Gen did and guess what, I got my check with National Gen within 7 business days. It has now been 3 weeks, "15 business days " and still no refund from Swyfft which I didnt even mention they were supposed to process my refund last month but they forgot to do so. Everytime I call they tell me to wait the 15 business days and STILL NO CHECK.
I would give - stars if it were possible. This company makes up anything they can to prevent from paying legimate claims. They will declare your property to be depreciated beyond the amount of the claIm. When asked how do you determine the depreciation, they have no answer. I have an above ground pool that was hit by a tree limb as part of my claim. They literally said we do not know how much it will cost to repair the pool so we removed it from the claim! These people are thieves, DO NOT WASTE YOUR MONEY!!!!!
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Swyfft company details
There are several ways to get in touch with Swyfft.
Swyfft insurance products are available in Alabama, California, Florida, Louisiana, Massachusetts, New York and Texas.
Swyfft tools and benefits
Being a newer company, Swyfft’s policy offerings are limited outside of homeowners’ insurance. However, the company does provide commercial insurance coverage for the following in limited states:
Apartment buildings
Condominium associations
Shopping center owners and operators
Office buildings
Frequently asked questions about Swyfft
Filing a claim with Swyfft can be done on the company's website or by calling the claims department at 1-877-799-3389. To start a claim, you’ll need information including the date and time that your loss occurred, your insurance policy number and the address of the insured property.
Swyfft does not state anything about practicing corporate sustainability or giving to charitable causes online. Still, given its sparse website, this may not indicate that the company is absent from this field. It may be necessary to speak directly with a Swyfft representative to learn the details of the company's corporate sustainability practices.
Currently, Swyfft does not offer car insurance. It focuses solely on providing home insurance policies through its partners and pairings. If you are looking to bundle your home and auto policies together, Swyfft may not be the best choice for you.
Three co-owners hold Swyfft in equal parts, each with a 33 percent membership interest in the company. Those owners are Richard Trezza, Sean Maher and One Click Partners, LLC. Richard Trezza is also the CEO of Swyfft.
While we strive to evaluate and score as many insurance companies as possible, there are instances where providing a Bankrate Score is not feasible. This often occurs with insurers like Swyfft, which may collaborate with multiple third-party underwriters to offer their policies. The variability in coverage options, financial strength and other key factors across these different underwriters can lead to inconsistencies in the policy quality that a customer might receive. As a result, it becomes challenging to assign a single, definitive rating that accurately reflects the diverse experiences and products offered under the umbrella of one insurance provider.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Swyfft
Swyfft has 49 reviews
Dive into community reviews below and see what others think about Swyfft.
4.1
49
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
90% of policyholdersrecommend this insurer
Score breakdown
5 stars
27%
4 stars
63%
3 stars
8%
2 stars
0%
1 star
2%
Score by category
Overall rating4.1 / 5
Original cost4.1 / 5
Coverage4.2 / 5
Customer support4.4 / 5
How we got these ratings
In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, asking policyholders to rate their insurer's cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders' policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Policyholder Reviews
See what users like you are saying about Swyfft.
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I got better coverage for less money.
Insurance Type
Home
Score by category
Original cost3/ 5
Customer support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Because you can rely on them. They will always be available for you.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would say that the overall experience is great. No issues there so no switching.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The price and quality of the company is amazing
Insurance Type
Home
Score by category
Original cost5/ 5
Customer support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
It had great rates and included special item coverage that most don’t offer
Insurance Type
Home
Score by category
Original cost4/ 5
Customer support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
The best that I could afford at the time
Insurance Type
Home
Score by category
Original cost4/ 5
Customer support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
my experience has been smooth so far
Insurance Type
Home
Score by category
Original cost5/ 5
Customer support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They always follow up after a claim
Insurance Type
Home
Score by category
Original cost5/ 5
Customer support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I got a great discount for being claim free
Insurance Type
Home
Score by category
Original cost5/ 5
Customer support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
