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RateFetcher Home Insurance Review

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RateFetcher is an online portal that connects consumers with quotes from competing homeowners insurance carriers.

The company can also provide access to auto, health, life, and Medicare policies.

RateFetcher does not issue home insurance policies itself, but rather determines and ranks providers in your area and presents them to the customer.
 
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How is RateFetcher rated?

Breakdown

4.5/5
Coverage Options
4.9/5
Pricing and Discounts
4.9/5
Customer Service
4.5/5
Financial Strength
4.5/5
Add-On Coverages

Overall Rating: 4.7 / 5 (Excellent)

RateFetcher is a good option for those seeking homeowners insurance who want as much flexibility as possible when it comes to policy options and features.

Since RateFetcher works with multiple providers, customers get offers relevant to their situation.

Some of the carriers RateFetcher works with include Liberty Mutual, Allstate, and QuotesMatch.com.

RateFetcher uses a proprietary algorithm that seamlessly matches customers to the best plan in their area, essentially filtering home insurance by location and policy options and directing consumers to the websites that best fit their needs.

Financial Strength

Financial Strength - 4.5 / 5

Since RateFetcher is an online portal, the company does not have a financial strength reputation of its own.

However, RateFetcher connects customers with some of the most respected and longstanding insurance providers in the industry.

The following ratings are for Liberty Mutual, a company that cropped up in many different searches we conducted across states and zip codes.
Standard & Poor's Financial Rating
A
Moody's Financial Rating
A2
AM Best Financial Rating
A
*The above information reflects the financials strength of one of the partner insurance companies that this insurance marketplace offers policies through: Liberty Mutual Group.

Customer Experience

Customer Service - 4.9 / 5

RateFetcher is a relatively new service and as such doesn't have a presence with the BBB or Trustpilot.

RateFetcher itself does not issue insurance policies, but rather connects consumers to life insurance providers operating in their area.

We encourage consumers to research the reputation of any given organization before selecting a life insurance policy.

RateFetcher does not sell your personal information to a list of other providers, so you won't get barraged with unwanted phone calls or emails.

Instead, the company connects consumers with the appropriate carriers through its online portal.

RateFetcher Coverage

Coverage Options - 4.5 / 5

RateFetcher works with multiple homeowners insurance providers who can offer customers policies that have almost any kind of coverage option.

What's more, since RateFetcher only points clients toward appropriate insurer websites in their area, those seeking home insurance can search through the individual policy offerings by company in order to determine a company that has the particular coverage they need.

Some of these include basic dwelling protection, other structures, liability, as well as special coverage like scheduled personal property and water backup.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Living Expense Coverage
Additional Coverage
Water Backup Coverage
Enhanced Dwelling Protection
Scheduled Personal Property Coverage

Pricing & Discounts

Pricing and Discounts - 4.9 / 5

Homeowners policies have discounts that can be split into two categories, household-level and policy-level.

Household-level discounts usually refer to discounts you can get if your home is equipped with certain safety features like burglar alarms, storm shutters, and sprinklers.

Policy-level discounts refer to things like discounts for buying your auto insurance with the same company and/or setting up auto debits for your monthly premium.

RateFetcher can offer most of these discounts, but as with coverage options, they will vary depending on the provider they connect you with.

Check out top providers in our review of the Top 10 Best Homeowners Insurance Companies of 2018.

Household Discounts

  • New Home
  • Remodeled Home
  • Home Safety Features
  • Storm Shutter
  • Impact Resistant Roof
  • Smoke-Free

Policy Discounts

  • New Policy
  • Pay-On-Time
  • Multi-Policy
  • Customer Loyalty
  • Higher Deductible
  • Automatic Payment
  • Online Billing
  • Claim-Free

Contact & Additional Information

Homepage URL
http://www.ratefetcher.com/

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Top Rated
  • Wide selection of home insurance discounts - Online Quotes in Minutes!
  • Covers common occurrences like fire or theft and accidents
  • Protect Your Valuable Items (Electronics and Jewelry) 
  • A Wide Range of Excellent Coverage Options
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