Reviews

QBE Insurance Review [Updated 2026] QBE Insurance Group operates multiple U.S. subsidiaries offering commercial and specialty insurance products. Learn about their products, ratings, and recent strategic changes in our detailed review. Tower Hill Insurance Group Review [Updated 2026] Tower Hill Prime Insurance Company offers homeowners, condo, rental property, and flood insurance primarily in Florida and select states. Part of the Tower Hill family of companies founded in 1972, they provide coverage in disaster-prone regions. Tesla Insurance Review [Updated 2026] Tesla Insurance offers competitively priced auto coverage in 13 states using real-time Safety Score data. Tesla's direct-to-consumer model provides app-based management but faces customer service challenges. Berkley One Insurance Review [Updated 2026] Berkley One offers personalized insurance for affluent clients with coverage for fine homes, luxury vehicles, art, and collectibles. Learn about their products, pricing, and customer service. American Family Insurance Review [Updated 2026] American Family Insurance offers homeowners, auto, and umbrella coverage across 19 states. Founded in 1927, the company holds an A (Excellent) AM Best rating and serves customers through 2,400 independent agents. Kinsale Insurance Review [Updated 2026] Kinsale Insurance serves the excess and surplus lines market with specialty coverage for complex and high-risk accounts. Strong financial ratings meet mixed customer reviews. Gabi [Updated 2026] Gabi is an insurance brokerage/agency owned by Experian. They build software to help buyers compare different insurance policies, but sometimes don't go far enough in their comparisons to ensure users get the best price. CSAA Insurance Review [Updated 2026] CSAA Insurance Group provides auto, homeowners, and personal lines coverage to AAA members across the United States with an A (Excellent) rating from AM Best. Texas FAIR Plan Association Review [Updated 2026] The Texas FAIR Plan Association (TFPA) offers homeowners, condo, dwelling, and renters insurance to Texans who cannot secure coverage through traditional insurers. As a state-mandated insurer of last resort, TFPA provides limited but essential coverage. Farmers Insurance Review [Updated 2026] Farmers Insurance has been in business since 1928 and offers a variety of insurance products, including auto, home and liability insurance. Spinnaker Insurance Review [Updated 2026] Spinnaker Insurance operates as a national property and casualty carrier with an A- (Excellent) AM Best rating, serving over one million policyholders through program administrators and managing general agents. State Farm Insurance Review [Updated 2026] State Farm is the largest property and auto insurance provider in the U.S., offering homeowners, auto, life, and specialty coverage through 19,000 exclusive agents across nearly every state. SafePoint Insurance Company Review [Updated 2026] SafePoint Insurance Company specializes in homeowners and property insurance in coastal states. Founded in 2013, the company serves over 200,000 policyholders but faces challenges with claims processing and customer service. The Hanover Insurance Group Review [Updated 2026] The Hanover Insurance Group offers personal and commercial insurance through independent agents in 28 states. Founded in 1852 and headquartered in Worcester, Massachusetts, Hanover provides homeowners, auto, umbrella, and specialty coverage with an AM Best A rating. Amica Insurance Review [Updated 2026] Amica Insurance is a mutual company founded over 100 years ago. It offers a wide range of personal insurance products, including auto, home, and life insurance in most of the U.S. Hiscox Insurance Review [Updated 2026] Hiscox Insurance provides specialized coverage primarily for small businesses and professionals across all 50 states. Founded in 1901, this A-rated carrier offers professional liability, general liability, and cyber insurance with a digital-first approach. Hippo Insurance Review [Updated 2026] Hippo Insurance is a modern insurtech company that offers homeowners insurance through its owned carrier Spinnaker Insurance Company and other partners. Founded in 2015, Hippo provides coverage in 37+ states with a technology-first approach, free smart home devices, and a 60-second quote process. Homesite Insurance Review [Updated 2026] Homesite Insurance, a Boston-based company, has been offering direct-to-consumer policies since 1997 and primarily focuses on property insurance. Allstate Insurance Review [Updated 2026] Allstate Insurance offers auto, home, condo, renters, and motorcycle insurance across all 50 states through exclusive agents and independent channels. Founded in 1931, Allstate holds an AM Best A+ rating and serves millions of policyholders nationwide. Elevate Insurance [Updated 2026] Elevate is a property-focused insurer launched in late 2022 through a SageSure–Goosehead partnership. We examine Elevate's products, financial ratings, customer service, and whether it's a viable option for homeowners in 2025. Palomar Specialty Insurance Review [Updated 2026] Palomar Insurance is a hurricane, flood, and earthquake insurer that offers customers a private alternative to programs like the California Earthquake Authority and the National Flood Insurance Program. SureChoice Underwriters Reciprocal Exchange (SURE) Insurance Review [Updated 2026] SureChoice Underwriters Reciprocal Exchange (SURE) is a member-owned insurance company founded in 2021, focused on coastal property protection in eight states. SURE offers homeowners, dwelling fire, flood, and business coverage through partnership with SageSure. Vault insurance Review [Updated 2026] Vault is a specialty insurer for high-net-worth individuals with homes valued at $2 million or more that provides customized coverage for high value possessions, vehicles, and homes. What is Otto Insurance? [Updated 2026] Otto Insurance is not an insurance agent, carrier, or broker. They are a lead-generator that does not provide direct quotes but instead matches you to agents, brokers, and carriers who can sell you a policy. What is Jerry Insurance? [Updated 2026] Jerry is a real company that can sell you real insurance. However, they are not an insurance carrier, so they don't insure your car or home directly. Is Kin Insurance Legit? [Updated 2026] Kin is a homeowners insurance company focused on ease-of-purchase for users in high-risk areas. Hudson Insurance Group Review [Updated 2026] Hudson Insurance Group offers specialty commercial and personal insurance through wholesale channels with A+ Superior financial strength ratings, backed by parent company Odyssey Group. Applied Underwriters Insurance Review [Updated 2026] Applied Underwriters, founded in 1994, specializes in workers' compensation insurance through a network of affiliate carriers rated A- (Excellent) by AM Best, though the company faces ongoing regulatory challenges in California. Cypress Property & Casualty Insurance Company Review [Updated 2026] Cypress Property & Casualty Insurance has served Florida and Texas homeowners for over 25 years, specializing in hurricane-prone coastal properties. This review explores coverage options, financial ratings, customer experiences, and whether Cypress is the right choice for your home insurance needs. Branch Insurance Review [Updated 2026] Branch Insurance is an insurtech company that pioneered instant bundled home and auto insurance. Founded in 2017, Branch offers policies in 36+ states through innovative technology and a reciprocal exchange model. California Mutual Insurance Company Review [Updated 2026] California Mutual Insurance Company is a policyholder-owned mutual insurer established in 1920, offering homeowners and commercial property insurance exclusively in California through independent agents. Stillwater Insurance Review [Updated 2026] Founded in 2000, Stillwater Insurance provides homeowners, auto, renters, condo, landlord, and umbrella insurance nationwide. The company serves customers through independent agents and focuses on competitive rates for personal lines coverage. Texas Windstorm Insurance Association (TWIA) Review [Updated 2026] TWIA was created by the Texas Legislature in 1971 to provide windstorm and hail insurance to Texas coastal property owners who cannot obtain coverage in the private market due to catastrophic hurricane risks. Utica National Insurance Group Review [Updated 2026] Utica National Insurance Group offers personal and commercial insurance through 2,500+ independent agents nationwide. Founded in 1914 as a mutual company, it recently surpassed $1 billion in annual sales and earned an A+ rating upgrade from AM Best. The General Insurance Review [Updated 2026] The General Insurance specializes in auto coverage for drivers who face challenges obtaining standard insurance. Now owned by Sentry Insurance, the company has served customers for over 60 years with flexible payment options and 24/7 claims service. California Capital Insurance Review [Updated 2026] California Capital Insurance Group (CIG) provides homeowners, auto, and specialty insurance across five Western states through independent agents, with an A rating from AM Best. Mercury Insurance [Updated 2026] Mercury Insurance is an insurance company focused on car and homeowners insurance based in Los Angeles California. Mercury offers coverage across states that include California, New York, Florida, Texas and sells through independent brokers/agents (like Coverage Cat). Monoline Insurance Review [Updated 2026] Monoline Insurance is a specialized insurance provider focused on one core product: personal umbrella liability coverage. This review covers Monoline's coverage options, underwriting flexibility, ratings context, and where the carrier fits best. Lightspeed Specialty Insurance Review [Updated 2026] Lightspeed is an managing general agency (MGA) working to address the California home insurance crisis. While other insurers have left the state, they're offering coverage to homeowners and landlords in low fire-risk areas and offer a range of customizable options. Hagerty Insurance [Updated 2026] Hagerty Insurance is a real company headquartered out of Traverse City, Michigan that sells insurance to classic car owners. They are one of the largest classic car insurers in the world insuring millions of cars. USLI Insurance Review: United States Liability Insurance Company [Updated 2026] USLI is a specialty insurer focusing on low-premium commercial lines and personal umbrella policies. Founded in 1867 and acquired by Berkshire Hathaway in 2000, USLI serves small businesses and individuals through independent agents nationwide. Geovera Insurance Review [Updated 2026] Geovera is a specialty insurer focused on Earthquake insurance in California, Washington, and Oregon, as well as Homeowners/Wind Insurance in Florida. It provides real insurance policies for homeowners with difficult to insure properties or risks that other insurers won't take. Steadily Insurance Review [Updated 2026] Steadily provides dedicated landlord insurance for investment property owners who want a tech-focused quoting experience, and specialized DP-1 and DP-3 policies made for rentals. Root Insurance Review [Updated 2026] Root insurance is a tech-focused, app-based auto insurance company that provides policies based on driving data rather than traditional insurance rating characteristics. Garfield Farm Mutual Insurance Association Review [Updated 2026] Garfield Farm Mutual Insurance Association, founded in 1896, is a member-owned Texas insurer specializing in fire and extended coverage for farms and homes. This review examines their limited product offerings, regulatory structure, and sparse customer feedback. Narragansett Bay Insurance Company Review [Updated 2026] Narragansett Bay Insurance Company specializes in homeowners insurance for coastal properties in nine Northeast and Mid-Atlantic states. Learn about their coverage options, financial strength, and customer service performance. Aegis Security Insurance Company Review [Updated 2026] Aegis Security Insurance Company focuses on manufactured homes, mobile homes, and specialty residential properties. Founded in 1977, the Pennsylvania-based insurer operates in all 50 states with Demotech A rating in 2025. What is PURE insurance? [Updated 2026] PURE Insurance is a real company that can sell you homeowners insurance, as well as other coverage, if you are a high net worth individual. 21st Century Insurance Review [Updated 2026] 21st Century Insurance, founded in 1958 and owned by Farmers since 2009, no longer issues new policies and only services existing California customers. New insurance seekers are redirected to Toggle, another Farmers subsidiary. Benchmark Insurance Company Review [Updated 2026] Benchmark Insurance Company operates as a multi-line admitted carrier in 49 states with an A (Excellent) rating from A.M. Best, specializing in workers' compensation, property and casualty, and accident and health insurance through program partnerships. Is National General Insurance Legit? [Updated 2026] NatGen is one of the oldest auto insurance carriers in the United States. They focus on providing insurance to higher-risk drivers who are unable to find policies elsewhere. Go Auto Insurance Review [Updated 2026] Go Auto Insurance is a no-frills auto insurance company offering minimum liability policies for drivers who might have trouble securing a traditional policy. Germania Insurance Review [Updated 2026] Germania Insurance serves over 200,000 Texans through 400+ local chapters. Recent financial challenges led to rating downgrades, but 2025 shows recovery with strategic improvements. Universal North America Insurance Review [Updated 2026] Universal North America Insurance offers homeowners and property coverage across 16 states, but recent financial downgrades and high complaint rates raise concerns for potential customers. Elephant Insurance Review [Updated 2026] Elephant Insurance Company, or "The Elephant" is direct to consumer auto insurance company that operates in Texas, Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, and Virginia. Security First Insurance Review [Updated 2026] Security First Insurance specializes in homeowners insurance for Florida properties, particularly those in high-risk coastal areas. Learn about their coverage options, claims process, and customer ratings. Mapfre Insurance [Updated 2026] Mapfre Insurance is a real company headquartered out of Webster Massachusetts that sells auto, homeowners, other property, and commercial vehicle insurance. Accelerant Insurance Review [Updated 2026] Accelerant operates a data-driven risk exchange connecting specialty insurance underwriters (MGAs) with risk capital partners, offering property and casualty coverage to small and medium-sized businesses across the US, UK, Europe, and Canada. Direct Auto Insurance Review [Updated 2026] Direct Auto Insurance (an Allstate-owned brand via National General) focuses on auto and motorcycle insurance for high-risk drivers. CoverageCat examines its offerings, payment flexibility, service, and customer feedback. Canopius Insurance Review [Updated 2026] Canopius operates through Lloyd's Syndicate 4444 and serves specialty insurance markets worldwide. Learn about their coverage options, financial strength, and customer service. Safeco Insurance Review [Updated 2026] Safeco Insurance, founded in 1923 and acquired by Liberty Mutual in 2008, offers personal insurance through independent agents across the U.S. This review covers their coverage options, pricing, customer service, and important changes coming in 2026. Nationwide Insurance Review [Updated 2026] Nationwide Insurance offers a full range of personal insurance products including homeowners, auto, condo, renters, and umbrella coverage across 46 states. Founded in 1926, this Fortune 100 company maintains an A (Excellent) financial strength rating. Citizens Insurance [Updated 2026] Citizens provides coverage for residential and commercial property when owners can't find coverage on the open market, or if their premiums are significantly higher than coverage through Citizens. Citizens also provides Wind-Only Policies for certain areas of the state that have difficulty securing coverage due to hail and wind storms. IAT Insurance Group Review [Updated 2026] IAT Insurance Group is a privately held specialty property and casualty insurer with an A- (Excellent) AM Best rating, serving commercial and personal insurance markets through independent agents nationwide. ReAlign Insurance Holdings Review [Updated 2026] ReAlign Insurance Holdings operates three specialty property insurance carriers—National Summit, American Summit, and Summit Specialty—with A.M. Best A (Excellent) ratings but mixed customer reviews. Western National Insurance Review [Updated 2026] Western National Mutual Insurance Company has operated since 1901, offering personal and commercial insurance through independent agents in 20 states with an A+ Superior financial strength rating. US Coastal Property & Casualty Insurance Review [Updated 2026] US Coastal Property & Casualty Insurance specializes in homeowners insurance for coastal properties in Florida and other hurricane-exposed states, operating through a managing general agent model with Cabrillo Coastal. What is Kemper Insurance? [Updated 2026] Kemper is a Chicago-based insurance company that can sell you car or auto, commercial, commercial umbrella, business owners, life, motorcycle, ATV, and homeowners insurance nationwide. It focuses on non-standard auto customers. Clearcover Insurance Review [Updated 2026] Clearcover is a Chicago-based insurtech company that offers auto insurance in 19 states. Founded in 2016, the company uses technology and AI to streamline the insurance experience and reduce costs for customers. Jewelers Mutual Insurance Review [Updated 2026] Jewelers Mutual has protected jewelry exclusively since 1913, earning an A+ Superior rating for 39 consecutive years and serving over 1 million customers nationwide. Delos Insurance [Updated 2026] Yes, Delos Insurance is a real company that can sell you homeowners insurance in California. They specialize in providing competitive premiums in areas where other insurers can't underwrite due to fire risk. Liberty Mutual Insurance Reviews [Updated 2026] Liberty Mutual is one of the largest property and casualty insurers in the world and may also offer insurance products through subsidiaries such as Safeco Insurance, State Auto, and Liberty Mutual Surety. Trusted Resource Underwriters Exchange Insurance Review [Updated 2026] Founded in 2020, Trusted Resource Underwriters Exchange (TRUE) is a reciprocal insurer offering homeowners insurance in Florida and Texas. After a $1.25 billion capital investment in 2023, TRUE has expanded to serve thousands of members with customizable coverage options. SafePort Insurance Company Review [Updated 2026] SafePort Insurance Company provides homeowners, dwelling fire, and landlord insurance across 14 states with an A (Excellent) AM Best rating and exclusive partnership with SageSure. Markel Insurance: Personal Umbrella Product Review [Updated 2026] Markel is a nearly 100 year old insurer focused on specialty lines, including personal umbrella policies. Markel is AM Best A rated and offers personal and business owners umbrella in one policy through independent agents. California FAIR Plan Insurance [Updated 2026] The California FAIR Plan is an insurer of last resort for California homeowners in high risk areas. They focus on selling basic fire coverage when other companies cannot, and provide coverage for residential and commercial property. Assurant Insurance Review [Updated 2026] Assurant offers renters insurance, lender-placed homeowners coverage, and specialty insurance products through subsidiaries including American Bankers Insurance Company of Florida. Founded in 1892 with over 125 years of experience. Is Bamboo Insurance Legit? [Updated 2026] Bamboo is a real company that can sell you homeowners insurance in California and Arizona. They focus on coverage for properties that traditional insurers sometimes refuse to underwrite. Incline P&C Group Insurance Review [Updated 2026] Incline P&C Group operates three carriers offering personal and commercial lines through independent MGAs. Learn about their unique fronting model, AM Best A- rating, and rapid growth trajectory. RLI Insurance Review [Updated 2026] RLI Insurance is a longtime specialty insurer best known here for standalone personal umbrella coverage, financial strength, underwriting flexibility, and directional pricing. Obsidian Insurance Review [Updated 2026] Obsidian Insurance operates three carriers rated A- by A.M. Best, serving MGAs and program administrators across property, casualty, and specialty lines. Founded in 2020 with backing from Genstar Capital, the company expects to exceed $1 billion in gross written premium in 2025. SageSure Insurance Review [Updated 2026] Sagesure is a specialty insurer focused on providing homeowners and commercial insurance in underserved coastal markets such as Florida and Texas. What is Hugo Insurance? User Reviews [Updated 2026] Hugo is a real car insurance company that sells on-demand liability insurance. They offer on-demand liability coverage, but have more limitations than traditional companies and won't work for everyone. Zurich North America Insurance Review [Updated 2026] Zurich North America operates multiple insurance subsidiaries offering commercial and specialized insurance products, but limited personal lines coverage for homeowners and auto insurance needs. Chubb Insurance Review [Updated 2026] Chubb Personal Insurance is a global insurance company that offers personal insurance for high-net-worth individuals. Their specialty is providing coverage for high-value homes, collectible cars, art collections, and other complex products. Toggle Insurance Review [Updated 2026] Toggle is a digital-first insurance provider offering customizable auto and renters policies online, backed by Farmers and rated highly for financial strength. Grange Insurance Review [Updated 2026] Founded in 1935, Grange Insurance serves customers in 13 Midwestern and Southeastern states through a network of independent agents, offering customizable coverage for auto, home, and business insurance with strong financial ratings. Lemonade Insurance Review [Updated 2026] Lemonade Insurance is a real company headquartered out of New York State that sells a growing range of insurance products, with a focus on renters insurance policies. Homeowners of America Insurance Company Review [Updated 2026] Homeowners of America Insurance Company specializes in property insurance, offering homeowners, dwelling fire, and condo coverage across more than 20 states. Burns & Wilcox Insurance Review [Updated 2026] One of the largest independent-owned insurance wholesalers in the U.S., Burns & Wilcox offers homeowners policies for difficult to insure properties, including flood risks, as well as specialty autos and collections. Obie Landlord Insurance Review [Updated 2026] Obie Insurance is an insurtech company focused on making landlord insurance easier to buy, especially in hard-to-insure states like California. American Modern Insurance Group Review [Updated 2026] American Modern is a specialty insurer that offers homeowners insurance for hard-to-insure properties, collectible car insurance, and insurance for specialty vehicles such as watercraft and ATVs. Horace Mann Insurance Review [Updated 2026] Founded in 1945, Horace Mann focuses exclusively on insurance for teachers and school staff. Strong financial ratings meet mixed customer feedback. Clear Blue Insurance Review [Updated 2026] Clear Blue Insurance Group operates as a fronting carrier for MGAs with $1.9 billion in premiums, but faces regulatory scrutiny for claims handling and a D- BBB rating. Centauri Specialty Insurance Review [Updated 2026] Centauri Specialty Insurance operates in hurricane-prone markets across seven states, offering homeowners and commercial property coverage through independent agents. Recent regulatory issues and ownership changes raise important questions for coastal property owners. Encompass Insurance Review [Updated 2026] Encompass Insurance, a subsidiary of Allstate, offers a wide range of insurance policies, including auto, home, and liability, through independent agents. The Hartford Insurance Review [Updated 2026] Founded in 1810, The Hartford is one of America's oldest insurers, offering personal lines including auto, homeowners, renters, condo, and specialty insurance. Known for its AARP partnership, the company serves customers in most states. AIG Private Client Group Review [Updated 2026] AIG is a global insurance organization that provides personal lines insurance for high-value homes and autos through their MGA, Private Client Select Insurance Services. What is AAA Insurance? [Updated 2026] The American Automobile Association "AAA" is an insurance company founded in 1902 with a long history of support for car-related interests from a consumer perspective. They sell auto, homeowners, and life insurance and also have up to a dozen more lines across consumer and small business offerings. Southern Pioneer Property & Casualty Insurance Review [Updated 2026] Southern Pioneer Property & Casualty Insurance offers homeowners, dwelling fire, and specialty insurance in seven Southern states. Recently upgraded to A (Excellent) rating by AM Best. Western Mutual Insurance Company Review [Updated 2026] Western Mutual Insurance Company offers homeowners, condo, landlord, and seasonal home insurance across seven Western states. Find out if this A-rated mutual insurer is right for your home coverage needs. Prime Insurance Company Review [Updated 2026] Prime Insurance Company provides coverage for high-risk properties and unique exposures through independent agents across all 50 states with A.M. Best rating of A- (Excellent). Pacific Specialty Insurance Company Review [Updated 2026] Pacific Specialty Insurance offers homeowners, motorcycle, and specialty property coverage in all 50 states with rates 53% below the national average. The company operates exclusively through independent agents and holds an A.M. Best rating of A (Excellent).