Swyfft Insurance Company Review

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Written by
Darren Craft
Financial Rating
A- (Excellent) from AM Best
NAIC Group
North Tower, 44 Headquarters Plaza 4th Floor, Morristown, NJ 07960
Service Phone Number
Claims Phone Number
Home: AL, FL, MA, NJ, NY, TX; Commercial: IL, NJ, NY, WA
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Swyfft Insurance Company at a Glance

Swyfft is a homeowners insurance company headquartered in New Jersey that puts a great emphasis on speedy online quotes and its patented analytical methods to assess property risks. The company was founded in 2014, so it does not have a long track record yet and does not underwrite its policies. The company has a 4.4 star rating on Google reviews.  

What Type of Insurance Does Swyfft Offer?

Swyfft offers homeowners insurance with comprehensive coverage to homeowners in Alabama, Florida, Massachusetts, New Jersey, New York, and Texas. The Swyfft homeowners insurance includes coverage for:

  • Dwelling 
  • Other Structures
  • Personal Property
  • Living Expenses
  • Personal Liability
  • Medical Expenses 

Swyfft also offers additional coverage options, such as for Equipment Breakdown (which covers systems such as air conditioning, pool pumps, and security systems) and Identity Fraud. 

Swyfft entered the Florida home insurance market in recent years and has brought another competitive option to the marketplace.

What to Know about Swyfft Insurance Company

Swyfft uses patented algorithms to bring smarter pricing to their policyholders. They also offer multiple lines, which means home and commercial insurance. They offer modern tech-driven quoting, but they have relatively more limited coverage options. 

Swyfft is accredited by the Better Business Bureau with an A+ rating. 

What Discounts Does Swyfft Home Insurance Offer?

Unfortunately, Swyfft is less transparent in their potential discounts than other home insurance companies. Swyfft does not make public the discounts that they offer to policyholders and how you can be eligible for them. You may need to call their customer service to inquire about any discounts you may be able to enjoy. 

Some discounts that Swyfft has shown to offer in the past include Loss Free and Gated Community discounts. 

Swyfft Insurance Company Customer Service

Swyfft customer service has shown to be lacking as the company does not offer 24/7 customer service by phone. It also lacks a mobile app, which many companies do provide nowadays. It’s important to note that Swyfft uses underwriters for its policies, which means that policyholders don’t bring up claims issues or customer service concerns with the company directly. 

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Written by
Darren Craft
Writer, Insurance
Read more from author
Darren Craft is a licensed insurance advisor. He has been an angel investor in a number of prominent fintech and insurtech startups.

Frequently Asked Questions

What is Swyfft Insurance Company's average claim response time frame?

The claim response time is usually very swift, as the company name suggests. Swyfft’s reviews on Better Business Bureau indicate that many customers were pleasantly surprised by how fast the claim was handled. 

What is Swyfft Insurance Company's claims process?

Swyfft insurance claims can be filed online at https://www.swyfft.com/claims/product-selection. The claims phone number is 877-799-3389 and can be reached 24/7. 

Swyfft will then give you a claim number and adjustment information in a few seconds. In case you need an emergency service (such as water removal), Swyfft will direct service professionals to your property and notify you. The great thing about this emergency service is that you incur no cost as long as the professional is sent via Swyfft Repair Pro. 

You will then receive an email with a link to the Swyfft Claims Portal where you can manage and track the status of your claim. 

After a field adjuster has been sent to assess the damage (not necessarily in every case), the inhouse adjusting team will work to resolve the issue for you. In some cases, Swyfft uses drones to inspect damages (such as for roof damage).

Does Swyfft Insurance Company have good homeowners insurance?

Swyfft offers the typical comprehensive coverage options when it comes to homeowners insurance. Since the insurance quoting is done by a private algorithm, sometimes it may not be accurate to what your real quote is, and there are very few if any discount options available.

What is Swyfft Insurance Company's customer service availability?

Swyfft’s customer service is lauded by certain reviewers on Better Business Bureau, but there seems to be a trend of dissatisfaction with customer service availability. The contact phone number is 855-479-9338 and the claims phone number is 877-799-3389. 

Does Swyfft Insurance Company create a user-friendly experience for customers?

With a mobile app, 24/7 claims by phone, quick quotes, and numerous positive customer reviews, Swyfft appears to create a relatively user-friendly experience for customers. 

Is Swyfft Insurance Company a good insurance company?

Overall, Swyfft seems to be a strong, new presence in the homeowners insurance industry. Since starting out in 2014, they have made innovative changes and are dedicated to fast, automatic processes for their customers. There is a significant focus on technology-driven assistance and processes when using Swyfft, so if you are not enthusiastic about the new tech aspects, Swyfft might not be for you.