Blue Sky Home Insurance Review


Rating: 7.9 / 10 (Very good)
Disclosure: We receive advertising revenue from some partners. Learn more.
How is Blue Sky rated?
8/10
Company Reputation
9/10
Customer Experience
7/10
Discounts
7/10
Online Presence
8/10
Customer Service

Blue Sky is a California-based insurance marketplace that specializes in auto, home, health, life and Medicare insurance. The company works with top carriers in the field to provide the most competitive rates and reliable service. These include Allstate, State Farm, and Nationwide to name a few. Blue Sky is staffed by a team of licensed agents who know the ins and outs of all of these insurance sectors and are comitted to getting their customers the precise coverage they need.

Types of Home Insurance Offered

  • Primary Residence
  • Renters
  • Liability
  • Personal Property
  • Natural Disaster

Coverage

Primary Residence - BlueSky is an agency that connects you with multiple insurance carriers to get you the best possible coverage and best possible rates. The company meets with each client to understand their particular needs and tailors a policy specific to them. BlueSky is able to connect you with insurance suppliers that offer all types of coverage; coverage typical to the industry includes:

PROPERTY

1. Dwelling-The actual physical structure in which you live.
2. Other Structures- Any other structures on your property not used for business.
3. Personal Property- This is subject to certain restrictions and limits depending on your policy and provider.
4. Loss of Use- This will pay for additional expenses you may incur if you cannot live in your home. For example, a hurricane renders your house unlivable and you have to live in a hotel or rent a trailer.

LIABILITY

5. Personal Liability- This will cover any damages sought by someone injured on your property. The vast majority of these cases are due to dog bites.
6. Medical Payment- Pays the medical expenses of the above person injured on your property.

Discounts

BlueSky offers policies from trusted home insurance carriers. Every company will have their own custom discount structure. Generally, you can get home insurance discounts for safety features and home improvements you have made. Some usual discounts include:

Multiple Line Discount

Bundle home insurance with auto

Home Alert Protection Discount

Reductions for burglar alarm or environmental monitoring systems

Roofing Discounts

Discounts if you've installed impact resistant roofing

Autopay Discount

Deduct a percentage for enrolling in automatic debits

Claim-Free

Discounts for not making claims

Early signing discount

Discount for signing up for new policy before current policy expires

Home Insurance with Blue Sky

Blue Sky operates as a one stop shop for all your insurance  needs. The company's online portal can connect you with carriers for not just only homeowners, but auto, health, life and Medicare insurance as well. If you are looking for a trusted advisor to help you with risk management and planning you financial future, BlueSky is a good choice. 

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