Policygenius Review for 2020

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Policygenius is an online price comparison platform for insurance products.

You can get quotes from the leading national providers for life insurance, renters insurance, car insurance, pet insurance, health insurance, and a wide variety of other insurance coverage right on the company’s website.

What is Policygenius?

policygenius reviewTo be clear, Policygenius isn’t an insurance provider. Instead, they’re more like a shopping tool that makes it easier to get the best quotes from multiple providers, from the comfort of your own home or your mobile device.

According to its website, Policygenius was founded to make insurance shopping easier.

Their mission is to “get people the insurance coverage they need and make them feel good about it.” It seems simple enough, right?

Policygenius Services and Features

Next, let’s take a look at the different types of policies that you can sign up for using Policygenius.

1. Life Insurance

If you’re interested in life insurance, this is where Policygenius truly shines. In fact, one of the company’s foundational principles was to make signing up for life insurance easier.

According to their website, life insurance ownership is currently at a 50-year low, and Policygenius is on a mission to fix that.

Policygenius takes the hassle out of life insurance shopping by presenting you with trusted partners and eliminating the need to deal with pushy salespeople.

They also guide you through the process, with an interactive sign-up flow, as you can see here:

policy genius life insurance image 1

 

After filling out some basic personal info, you’ll then be able to select the amount of coverage and term length that you want.

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Next, you can browse quotes from various providers, as shown here:

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Once you identify a life insurance policy that makes sense for you, you’ll begin a more formal application process. Just submit a few more details, and your preliminary application is on its way.

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2. Renter’s Insurance

If you rent a house or apartment, I hope you already have renters insurance, which covers you in the event of theft or damage to property.

The last thing you want is to lose everything in the event your apartment building burns down.

If you don’t have renter’s insurance, check out how easy it is to compare renters insurance prices on Policygenius.

 

3. Homeowner’s Insurance

To get approved for a mortgage, you’ll need to take out homeowner’s insurance. Policygenius helps homeowners across all 50 states find the best policy for their situation.

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4. Auto Insurance

If you own a car, you’ve probably checked out all the main auto insurance providers, like Geico, Allstate, State Farm, and Travelers.

Policygenius will help you compare auto insurance quotes across all of these major providers and hundreds of others, depending on where you live.

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5. Disability Insurance

Disability insurance covers your living expenses if you become injured and cannot work.

For example, if you’re an eye doctor and experience a significant injury to both hands, that makes it impossible for you to practice medicine, disability insurance would help you pay for your expenses.

While we all hope that no one gets injured to the point they cannot work, purchasing disability insurance could be a true lifesaver when it’s needed.

 

6. Pet Insurance

Pet owners know that trips to the vet can be costly. As a result, millions of pet owners are signing up for pet insurance to help them cover the costs of both planned and unplanned trips to the vet.

In fact, the pet insurance market has grown steadily in recent years. You can sign up for pet insurance with Policygenius, too.

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7. Health Insurance

While health insurance is no longer required to have by law, it’s still a good idea to get coverage.

Policygenius will help you find the best health insurance plan for you and your family, depending on your income, budget, and location.

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8. Vision Insurance

If you’re the type of person who needs glasses or contacts to read what’s on this screen right now, you probably already have vision insurance.

If you don’t, consider signing up through one of Policygenius’ trusted partners.

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9. Long-Term Care Insurance

Unfortunately, as you or your parents get older, there’s a chance you’ll need extensive medical care due to health complications.

With that in mind, Policygenius has a long-term care insurance portal that helps you find a plan that makes sense for your situation.
long term care insurance

 

10. Jewelry Insurance

So your loved one said “Yes.” Congrats! But what’s to prevent them from losing the shiny (and expensive) ring on their finger?

According to one study, 14% of men and 8% of women are prone to losing their engagement rings. For this reason, it might not be a bad idea to sign up for jewelry insurance, which Policygenius can help with.
jewelry insurance

 

11. Identity Theft Insurance

In the age of digital everything, there’s a good chance that you’ll experience identity theft at some point—particularly as data breaches become increasingly common.

With Policygenius, you can sign up for identity theft insurance, which will protect you in the event a breach occurs, and your data is compromised.
ID theft

 

12. Travel Insurance

Travel insurance helps cover losses related to missed flights, lost luggage, and other unforeseen issues that come up.

If you travel often, it may make sense to look into obtaining travel insurance coverage.
travel insurance

Policygenius Pricing

Policygenius is entirely free to use. As is standard with most websites these days, the company earns a commission when you sign up for a plan through their affiliate links.

The company claims that you won’t pay any extra as a result of using their service, and I believe them. Online insurance shopping is a competitive environment.

Signing Up and Getting Started

To get started with Policygenius, you’ll first have to select the insurance plan that you’d like to sign up for. You can also create an account and then pick the type of insurance that’s right for you.

When registering your account, you’ll be asked to enter your first name, email, and password.

Once your account is set up, you’ll be able to access your account dashboard. From there, you can request quotes for almost any type of insurance product. Think of it as your one-stop-shop to all things insurance.
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Policygenius Promotions, Bonuses, Coupons

There are no sign-up bonuses or coupons for Policygenius at the moment.

However, once you have an account, you can earn $100 for referring your friends. What’s more, for every three friends that you refer, you’ll get an additional $125. Not a bad deal!
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Customer Service and Support

Policygenius offers phone support from 9 a.m. to 9 p.m. Eastern Time every day of the week. At the time of this writing, their phone number is 1-855-695-2295. They also offer live chat support and mail support.

Alternatives to Policygenius

While there are some alternatives to Policygenius, none of them offer price comparison across so many different types of insurance products (life, renters, homeowners, auto, disability, pet, vision, long-term care, identity theft, and travel).

That said, you’ll have to drill down into category-specific aggregators to find price comparison alternatives.

For example, Haven Life helps you compare life insurance quotes, QuoteWizard and Insurify provide auto insurance quote comparisons, and eHealthInsurance.com and ImpactHealth offer health insurance comparisons.

So, Should I Use Policygenius?

If you’re in the market for a new insurance policy—literally, any type of insurance policy—I don’t see any reason why you shouldn’t use Policygenius to compare quotes.

It’s completely free to use and will probably save you tons of time. As the saying goes, time is money, and the less time you have to spend shopping around for insurance, the better.

Let’s face it: Who wants to spend their time shopping for insurance?

Here’s to getting the best insurance deals—and also to being prepared for any unexpected incidents that might pop up along the road to financial freedom. Happy shopping!

Policy Genius

Overall Rating

4.8

Pros

  • Awesome customer service
  • It’s free to use their services
  • Compare vendors at once, saving time

Cons

  • Not every insurance company available
  • Not an insurance company, but a broker

Bottom Line

Compare quotes from top providers at once using Policygenius' fast and easy tool. Whether you are shopping for life, auto, home, pet or any other type of insurance, Policygenius can simplify the process.

Ease of Use

9.8

Selection of Companies

9.5

Customer Service

9.6

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