Frequently Asked Questions

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.

PO Box 9070
Carlsbad, CA 92018-9070

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.

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.

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.

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 coverhound.com/privacy.

No, we don’t charge any broker fees.

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.

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

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.

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

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.

We currently do not offer taxi insurance.

Yes, we offer mobile home insurance!

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

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.

SR22 filing fees average about $20-$25. If you get a quote on CoverHound.com, 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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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 privacy@coverhound.com.