Swyfft Home Insurance FAQs

How do I get a Swyfft home insurance quote?

You can obtain a quote by visiting Swyfft’s website and entering your address. Swyfft uses advanced AI and data analytics to generate a personalized quote quickly, often within seconds.

What does Swyfft home insurance cover?

Swyfft provides comprehensive homeowners insurance, including replacement cost coverage for your dwelling and personal property, coverage for other structures, additional living expenses, personal liability, and medical payments for injuries to guests.

Does Swyfft offer additional coverage or endorsements?

Swyfft offers limited endorsements, including equipment breakdown coverage and private flood insurance (the latter only in Florida and Texas). Identity theft coverage up to $15,000 is also available as an option.

What types of homes does Swyfft insure?

Swyfft insures primary residences that meet specific condition and construction requirements. They do not cover mobile or manufactured homes, barndominiums, homes built on landfills, historical homes, or homes smaller than 800 square feet.

Does Swyfft insure homes in a trust or LLC?

Yes, Swyfft can insure homes owned by a trust or LLC, but not those overseen by an estate.

Are there restrictions on dog breeds?

Yes, Swyfft will not insure homes with certain dog breeds (e.g., Pitbull, Rottweiler, Doberman, Chow, Wolf breeds, and any dog with a bite history or aggressive behavior). Restrictions may vary by state.

Does Swyfft insure secondary or seasonal homes?

Swyfft can insure secondary homes as long as they are not rented out. Seasonal homes must be properly winterized if left vacant during off-seasons.

Are there age restrictions on homes?

There is no strict age restriction, but homes must have reasonably updated electrical and plumbing systems. Certain types of electrical panels and wiring are not accepted.

Is Swyfft available in all states?

No, Swyfft is available in select states, including Florida, Texas, and New Jersey, with plans to expand further.

How do I update my payment method?

You can update your credit card or checking account information online by selecting “Make a Payment,” entering your policy details, and following the prompts to update your payment method.

When is the first payment due?

The first payment is due at the time of binding the policy.

Does Swyfft offer discounts?

Yes, discounts may be available for safety features (like security systems), bundling policies, and being claim-free. Discount availability may vary depending on the underwriting company.

How does Swyfft handle claims?

Claims can be filed online, and Swyfft uses AI to streamline the process for fast resolution. They offer a Direct Repair Deductible Savings Program and a network of vetted repair vendors.

Is Swyfft financially stable?

Yes, Swyfft’s policies are underwritten by financially strong carriers rated highly by AM Best and Demotech.

Does Swyfft offer extended liability or foundation coverage?

No, Swyfft does not offer extended liability or foundation coverage in Texas.

Are there acreage restrictions?

No, but pools or bodies of water must be fenced or protected. Commercial and farming exposures are excluded.

Can I have two mortgagees on a policy?

Yes, a second mortgagee can be endorsed onto the policy after binding by contacting customer support.

Is escrow billing allowed?

Yes, Swyfft allows escrow billing and will bill the mortgage or escrow company directly.

How does Swyfft ensure eligibility?

Swyfft’s eligibility depends on home condition, construction type, safety features, claim history, and other underwriting guidelines. Inspections may be required for new policies.

What do customers say about Swyfft?

Customer reviews are mixed: some praise Swyfft’s competitive rates and fast claims, while others cite issues with claim handling and customer service responsiveness.