Answer Financial Home Insurance Review

Rating: 7.9 / 10 (Very good)
Disclosure: We receive advertising revenue from some partners. Learn more.

Answer Financial is a California-based online aggregator that offers auto, homeowners, condo, renters, motorcycle, RV, boat, and earthquake insurance. Through their website or call center, customers can compare prices and purchase insurance from a variety of companies. Answer Financial is a subsidiary of the Allstate Corporation that was founded in 1996, with an A+ BBB score.

With over 3.4 million vehicles and homes insured across all 50 states, Answer Financial is one of the largest auto and home insurance agencies in the country. Their online portal and call center enables customers to compare offers from the 20+ top-rated insurers including Stillwater, MetLife, and Safeco.

Home Insurance Products Offered Through an Answer Financial Affiliate

  • Home Insurance
  • Renters Insurance
  • Condo Insurance
  • Earthquake Insurance (California)


Before connecting you with offers from its network of 20+ home insurance affiliates, Answer Financial will need the following information:

  • Zip code
  • Street Address
  • Purchase Price
  • Year of Construction
  • Square Footage
  • Stories
  • Construction Material
  • Safety and Security Features
  • Credit Score


Answer Financial breaks up the policies offered by their affiliate companies into three groups, Basic, Standard, and Premium. The three plans have the same coverage types but differing cap limits and deductibles. Covergae options include:

Extended Replacement Value Amount paid to fully replace home
Other Structures Structures separated from main dwelling, i.e. detached garage, tool shed, pool, gazebo, etc.
Personal Property Contents of Residence
Loss of Use Additional living expenses if dwelling is uninhabitable
Personal Liability Injuries that occur on your property
Medical Costs  
Personal Property Replacement Cost Pays to replace property as new, not depreciation value

Financial Ratings

Answer Financial has relationships with some of the strongest and well rated financial organizations in the country. Some of these include  MetLife, Pacific Specialty, and ASI. 

Metropolitan Life Insurance Company

A.M. Best Company


Fitch Ratings


Moody's Investors Service


Standard & Poor's


Home Insurance with Answer Financial

Answer Financial is particularly useful if you are looking for multiple types of insurance coverage. The company is not a simple online marketplace that connects you to offers and is then finished. Answer Financial acts as a convenient portal for all your insurance needs and a go-between for you and the insurance provider. Claims are made through Answer Financial and they also provide customer service as well. 

Top Rated
Our Partner
9.6 / 10
  • Insurance for the Modern World, Backed by Allstate
  • Smart technology: photo claims & video appraisal
  • 24/7 service and big savings
  • Protect your home, finances, family
  • Get a fast, free quote in minutes
  • Compare their policy with free Calculator & Online Tools

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Answer Financial Home Insurance