December 2021 Policegenius Dwelling Insurance Overview • Benzinga – Benzinga

While Policygenius does not offer a full online experience, it can be a good first step if you are in the early stages of looking for home insurance. Policygenius' request for quotation tool is straightforward and even offers suggestions if you are not sure about the components of your home.

It also allows you to view estimates for both home insurance alone and home insurance along with auto insurance. However, you need to schedule a call with a Policygenius agent before exploring all of your insurance options, which can be annoying for homeowners who are just interested in a price comparison.

Policygenius itself is not an insurance provider, but an online platform that allows you to quickly compare insurance options between providers. With Policygenius you can currently find offers for:

  • Car insurance
  • Homeowner insurance
  • Car insurance
  • Life insurance
  • Disability insurance
  • pension insurance
  • Online wills and trusts
  • Pet insurance
  • Eyesight insurance
  • Jewelry insurance
  • Identity Theft Insurance
  • Travel insurance

In addition to quote comparison tools, Policygenius also offers a full set of insurance guides to help you learn a little more about what to look for in a policy.

Policygenius also offers a home insurance cost calculator that lets you estimate what you might be paying based on where you live and where you live, as well as a tool for finding package deals and discounts if you buy your home and auto insurance together.

Policygenius offers 3 unique methods that you can use to get in touch with their customer service team.

  • Live chat: You can connect with Policygenius experts online by clicking the icon labeled Live Chat at the bottom of the home page. Live chat services are monitored from 9 a.m. to 6 p.m. EST Monday through Friday. If you leave a message while the live chat is not actively monitored, a representative will contact you the next business day.
  • Phone: To contact the Policygenius team by phone, call 1-855-695-2255. Telephone assistance is available from 9 a.m. to 6 p.m. EST, Monday through Friday.
  • E-mail: If you'd prefer to leave a message to the Policygenius team by email, you can send a message to team@policygenius.com.

The average price of home insurance in the US is $ 1,249 a year – but how does that compare to Policygenius' insurance search function?

Below are the cheapest Pennsylvania home contents insurance with $ 250,000 home insurance, $ 125,000 home insurance, and $ 300,000 personal liability insurance.

Policygenius listed a below average price in its comparison tool for a homeowner in Pennsylvania.

While Policygenius made an offer below the national average, the company does not inform users which insurance provider offered the lowest offer. To complete the offer and review additional offers beyond the lowest offer, customers must schedule a call with a Policygenius representative.

Users enjoy a number of benefits when working with Policygenius to obtain quotes before purchasing an insurance policy. Here are some of the benefits of using Policygenius:

  • Immediate comparison of offers: The greatest benefit of Policygenius is that customers don't have to search for insurance quotes individually by requesting a quote from each provider, but rather fill out an application and view multiple quotes from competing companies. Not only does this save you time – it can expose you to additional insurance providers that you didn't know offered home insurance in your area.
  • Customizable quotes: When completing the quote for your home insurance you may find that you are not sure how much of each type of insurance you need. After receiving your quote, Policygenius allows you to go back to the previous questions to adjust your coverage levels or details about your home without creating a completely new quote. This allows you to balance costs and coverage by comparing prices across multiple policy combinations.
  • Unbiased advice: Policygenius is not affiliated with or owned by any individual homeowner insurance provider. This means that the agents you consult prior to purchasing your insurance have no incentive to prioritize some insurance providers over others and will advise you impartially on the choice of coverage. It also means that employees have no incentive to sell you coverage that they don't really need.

Policygenius' quotes tool offers an overall friendly user experience, especially for those who have never applied for home insurance before. The process begins by completing an online questionnaire that is streamlined, simple, and straightforward.

After answering a few questions about your home, yourself, and your roommates, Policygenius solicits quotes on your behalf and offers you the lowest possible rates. You will even be asked to list security features in your home, such as fire extinguishers and intrusion systems, so Policygenius can automatically apply discounts to your estimates.

Policygenius screenshot

Not sure what type of roofing or heating system is in your home? The Policygenius quotation tool makes suggestions based on the usual building standards of your place of residence.

Policygenius' homeowner insurance quote tool, while easy to use, does not provide a complete online solution. Policygenius does not disclose which insurance company offered you the best rate, and you will not be able to see any other offers until you have arranged a call with a representative.

This can be annoying for homeowners who just want to compare affordable prices online or who are not ready to agree on a policy just yet.

Policygenius screenshot

You cannot consider any further offers beyond your lowest offer until you arrange a call with a Policygenius representative.

If you click on the providers listed under your lowest tariff, you will be directed to the website of the respective insurance company where you will be asked to fill out a quote through that insurance provider's system. In many cases, this will require entering some information that you already provided when filling out your Policygenius quote, which belies the point of the system.

Policy genius vs. competitor

Policygenius has introduced a number of unique protocols that set it apart from other insurance marketplaces.

  • Access to several types of insurance: Many online insurance marketplaces focus on bringing you quotes on a single type of insurance. Policygenius has quotation tools for everything from life insurance to disability insurance, which can be extremely useful when you want to buy multiple coverage in addition to home insurance.
  • Human support when you need it: Rather than outsourcing customer service to robotic tools like some other marketplaces do, Policygenius gives you several methods for connecting with a human team member. Better yet, Policygenius offers you free connections with licensed insurance agents – so you know that the advice you are getting is correct.
  • Bundling integrated in quotation tools: One of the most common ways to save money on home insurance is to combine it with car insurance. With the Policygenius quotation tool, you can integrate bundling into your search for the right home insurance.

Getting started with Policygenius

Whatever type of insurance you're looking for, there's a good chance Policygenius can help you with your search. Before applying for a policy, check out Policygenius' online tools and in-depth training guides to learn more about the coverage you may need.

You can also start your search by reading the petrol gas round-up of the best home insurance policies here.

frequently asked Questions

How does Policygenius make money?

1

How does Policygenius make money?

asked 2021-12-15

Sarah Horvath

1

Policygenius acts as an independent insurance broker, which means that a commission is paid for every insurance policy sold. The commissions are already included in the displayed offer price, so that you do not have to pay any hidden fees later if you find the right insurance cover through Policygenius.

Reply link

answered 2021-12-15

Benzinga

Does Policygenius sell insurance?

1

Does Policygenius sell insurance?

asked 2021-12-15

Sarah Horvath

1

Policygenius itself does not sell insurance. Instead, the company acts as an insurance marketplace, helping you compare offers from multiple competing companies.

Reply link

answered 2021-12-15

Benzinga

Comments are closed.