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Policygenius Renters Insurance Review

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Policygenius is a New York-based company that helps consumers find insurance solutions through a combination of online tools and license insured agents. Consumers can receive free personalized quotes from top insurance companies for products such as life, health, renters and long-term disability insurance, among others.
 
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How is Policygenius rated?

Breakdown

Overall Rating: 0 / 5 (N/A)

Policygenius helps individual consumers obtain renter's insurance via an easy, five-minute application. Consumers can choose from a large selection of benefit options and optional riders, and easily change their choices to adjust the quoted price range. If you have any questions, licensed agents are available to talk through your options. With an A Rating on the Better Business Bureau, and an "Excellent" score of 9.7 at Trust Pilot, Policygenius's excellent customer reputation should make them one of the first places consumers look for long-term renter's insurance. The wide range of coverage offered by Policygenius should also be a major attraction for consumers. Policygenius offers coverage on personal property (damage or theft of belongings), personal liability (if a visitor were to get hurt in your rented property and decide to sue), medical payments, loss of use/additional living expenses (reimbursement for temporary living solutions such as motels and hotels).

Policygenius Coverage

Coverage Options - 0 / 5

Policygenius offers coverage for personal property, personal liability, loss of use/additional living expense, and medical payments among others. Through Policygenius, your personal property could be protected from: fire and lightning, windstorm and hail, explosions, riots, damage by vehicle (not your own), smoke damage, vandalism, theft, and volcanic eruption, among many other factors. You will also be covered under loss of use, meaning if your property becomes unlivable, the carrier will pay for you to rent a hotel or other short-term rental property while it's being fixed.
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Medical Payments

Pricing & Discounts

Add-Ons & Discounts - 0 / 5

The price of renter's insurance varies by location, but generally it's one of the most affordable types of financial coverage one can buy. The average policy costs around $16 a month or roughly $190 a year, according to the 2014 data from the National Association of Insurance Commissioners. On top of this, Policygenius offers discounts if the rented property has safety features such as deadbolts, burglar/fire/smoke alarms, etc.
Property-Level Discounts
Burglary Protected
Fire Protection
Sprinkler System

Customer Experience

Customer Service - 0 / 5

The Better Business Bureau gave Policygenius an A rating, although the amount of customer reviews on the website is limited. It is also worth noting that Policygenius received a 9.7 (Excellent) rating on Trust Pilot, with 522 reviews. Policygenius offers online customer support via live chat and email 24/7. They also offer support via phone every day of the week at limited hours.

Customer Ratings

TrustPilot Rating
9.7 out of 5
BBB Rating
A
Number of BBB Positive Reviews
4
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
3

Financial Strength Ratings

Financial Strength - 0 / 5

Policygenius is a marketplace insurance agency; this means it sells insurance, but the individual policies are underwritten and issued by one of the insurance carriers they represent. As such, Policygenius' financial strength should not be a relevant factor when deciding whether or not to opt for their services. It's worth noting that they only work with A-rated carriers, as stated on their website. Some of the carriers Policygenius works with are: Geico, Progressive, State Farm, Allstate, Lemonade, Stillwater, Liberty Mutual.
Company Type
Marketplace

Contact & Additional Information

Homepage URL
https://www.policygenius.com
Company Phone
(855) 695-2255
Headquarters Address
22 West 19th St, Floor 8, New York, NY, 10011
Year Founded
2012

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