Frequently Asked Questions


  • Who is CoverHound?

    CoverHound is the number one independent comparison shopping platform for property and casualty insurance, including Auto, Homeowners, Renters, Motorcycle, Business, and more. We compare accurate and objective rates from over 25 top insurance brands across the United States, which are ready for immediate purchase, and we are dedicated to creating the best customer experience in insurance on the web.

    With a growing number of happy policyholders, CoverHound has found its way into the media spotlight, and is backed by investors with over a billion dollars of assets under their management.

  • Where is CoverHound located?

    PO Box 9070
    Carlsbad, CA 92018-9070

  • What number do I call to find the best policy for me?

    For Auto, Homeowners, Renters, or Motorcycle Insurance please call (866) 278-7881, Mon - Fri 9:00 AM - 9:00 PM ET to speak with one of our licensed insurance advisors.

    For Business Insurance please call (800) 460-6467, Mon - Fri 9:00 AM - 9:00 PM ET to speak with one of our licensed insurance advisors.

  • What number do I call to get customer care?

    Call (805) 210-8184, Mon - Fri 9:00 AM - 8:00 PM ET to speak to one of our customer care specialists.

    For business insurance policyholders, contact your carrier for client care assistance.

About CoverHound

  • Is CoverHound an insurance provider?

    CoverHound is not an insurance provider or an insurance carrier. We are an online Insurance Agency that shops with several leading insurance providers depending on the state you are located in to provide you with instant, accurate quotes for comparison shopping. Every insurance carrier or insurance provider we work with must maintain a strong rating with A.M. Best, which is the leading global full-service credit rating agency dedicated to serving the insurance industry.

  • How is CoverHound different from other insurance quote comparison sites?

    CoverHound has a direct relationship with insurance carriers, which enables us to show actual rates and sell policies on the carrier's behalf. Other comparison shopping sites provide estimates that are not real-time, true quotes, and often end up selling customer information.

    At CoverHound, the shopper’s privacy is protected. We do not sell or share any customer information unless it’s used to facilitate the purchase of an insurance policy. You will not receive random phone calls or emails from outside insurance agents, but you may receive follow-up contact from trusted CoverHound Insurance Agents who will further assist you in your search for the best insurance option available. For more information, visit

  • Do you charge a Broker Fee?

    No, we don’t charge any broker fees.

  • How does CoverHound make money?

    CoverHound primarily makes money by getting a commission from the insurance carrier for the policy you purchase via CoverHound. We’re committed to providing you with the very best service.

  • What type of payment methods do you accept?

    Payment method may depend on the carrier you select, but we accept all forms of credit or debit cards.

What We Offer

  • What insurance providers do you carry?

    CoverHound is constantly adding more carriers to the platform. At this time on our personal lines we write policies for 21st Century, Acuity, ASI, CAIC, Century National, CSE, Dairyland, Foremost, The General, Good2Go, Infinity, Kemper, Liberty Mutual, MAPFRE, Mercury, National General , Pacific Specialty, Plymouth Rock, Progressive, QBE, Safeco, State Auto, Stillwater, Universal NA , UPC, and Workmen's.

    For our commercial lines we write policies for Acuity, Berkshire Hathaway Homestate Companies, biBerk, Chubb, Employers, The Hanover, Hiscox, Kemper, Liberty Mutual, Markel, Mercury, Nationwide, Progressive, and State Auto.

    Our cyber carriers are Aspen, BCS, Beazley, Chubb, and Hiscox.

  • What lines of insurance do you offer?

    CoverHound currently offers a wide range of P&C insurance offerings for both personal and business customers.
    Personal Insurance Offerings: Auto, Home, Condo, Renters, Motorcycle, Umbrella, Landlord, Mobile Home, Personal Articles Coverage (e.g. jewelry, collectibles), Specialty Lines (e.g. RV, Boat), Flood, Earthquake
    Business Insurance Offerings: General Liability, Business​ ​O​​​​​​wners Policy, Professional Liability (Errors & Omissions), Workers Compensation, Commercial Auto, Cyber​, Directors & Officers​, Property, Inland Marine, Crime/Fidelity

  • Do you offer insurance in my state?

    We currently have rates available in all states for personal lines except Alaska, Hawaii, and Massachusetts. We offer business insurance in every state. However, plan availability differs between states. For more information on your options, call and speak to a licensed advisor today.

  • Do you offer taxi insurance?

    We currently do not offer taxi insurance.

  • Do you offer mobile home insurance?

    Yes, we offer mobile home insurance!

Quotes & Policies

  • Are your quotes really free?

    Yes! It is 100% free to compare insurance quotes at CoverHound.

  • Are your quotes just estimated premiums?

    No, our insurance quotes are real, actual rates obtained directly from the insurance carriers we represent. CoverHound also takes pride in the fact that these actual rates are delivered very quickly online or over the phone with a licensed CoverHound Insurance Agent.

  • I need an SR22 filing. Does your quote include the filing fee?

    SR22 filing fees average about $20-$25. If you get a quote on, currently the rate will exclude SR22 fees. However, you can get a final rate with all fees included from our licensed insurance advisors at 866-278-7881.

  • Will getting a quote affect my credit score?

    No. Even though, in most cases, individual carriers will access your credit score to make a quote, they make what's called a 'soft inquiry', or soft pull. These have no impact on your FICO or credit score since they're not related to applying for financing. It will show on your records so that you know who accessed the report; but think of it like getting a credit card offer in the mail, as opposed to attempting to get approved for an auto loan. No credit score is pulled when carriers quote for business insurance.

  • What types of discounts do you offer?

    For auto insurance, the discounts we offer include: multi-policy, multi-car, multi-driver, new car, mature driver, safe driver, higher education, homeowners, continuously insured, paperless, military, special occupational discounts, driver training, good student, usage based pricing, e-sign, and many others depending on the insurance carriers available to you in your area.

    You may also lower your cost with a switcher discount when moving your policy to a new insurance provider. We can help you do that.

  • Do you offer a discount if I purchase more than one policy on your site?

    In almost all cases, if you purchase two or more policies from the same carrier through CoverHound you will get a multi-policy discount. However, sometimes the combined cost of getting an auto policy from one carrier and a homeowners policy from another is cheaper than if any discount was applied with a single carrier. The beauty of CoverHound is you find the cheapest available package across multiple carriers.

  • Will CoverHound service my policy if I buy from them?

    We service most policies we sell. Whether CoverHound or your carrier services your policy, CoverHound’s Customer Care Team is always there to address your needs or concerns.

  • I need a Certificate of Insurance. Who do I request that from?

    Typically, a certificate of insurance will be included as part of your policy forms. If you cannot find this, please reach out to your insurance carrier’s customer service department.

  • Quotes on CoverHound are cheaper than what I’m currently paying. Can I cancel my policy?

    Yes - you can cancel your current policy and be refunded a prorated portion of your premium; however, make sure your new insurance policy is in effect before cancelling to avoid any coverage gaps.

  • How do I file a claim?

    You should reach out directly to the claims department of your insurance provider. If you have trouble locating that information, please reach out to one our customer care specialists at (805) 210-8184.

  • Can I change the limits or other terms of my policy?

    If you have purchased a policy through CoverHound, please call one of our Insurance Advisors at (805) 210-8184, to discuss policy changes.

Privacy & Security

  • Do you sell my information to other companies?

    We do not sell your personal information to third parties. We will share your personal information with third parties only in the ways that are described in this privacy policy. We may provide your personal information to companies that provide services to help us with our business activities such as email service and chat/live feature. These companies are authorized to use your personal information only as necessary to provide these services to us. Here is the link to our Privacy Policy.

  • What security measures do you take to keep my information safe?

    The security of your personal information is important to us. When you enter sensitive information (such as a credit card number) on our billing forms, we encrypt the transmission of that information using secure socket layer technology (SSL). We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at