Looking for a great Homeowners Insurance Quote & Coverage?
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Access everything you need in our app. Get a quote, switch your policy, file a claim & contact our team of experienced insurance professionals, anytime & anywhere.
Whether you're looking to become a new customer, file a claim, or just ask us a question, simply chat with our insurance experts online or in the app.
The Zinsurance Difference
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Traditional Insurance |
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| Guarantees Full Replacement Coverage for your Home | |||
| Price and Eligibility Does Not Rely on Credit Score | |||
| Flood and Water Backup Coverage Included on many homes | |||
| Discounts for Solar Panels and Green Energy | |||
| Discounts for Smart Home Devices and Remote Cameras | |||
| Earthquake Coverage Included in Policy | |||
| Physical Home Inspection Not Required | |||
| Easy Cancellation Process | |||
| Built by Experienced Insurance Professionals | |||
| Eliminates Agent Commission Costs | |||
| Leverages Technology to Save You Money | |||
| Quarterly Claims Data Reports to Help Mitigate Loss | |||
| Quick & Simple Claims Process | |||
| Time to Get Quote | 1 minute | < 10 minutes | Up to 7 days |
| Mobile Apps | |||
| Sign Up | Switch | Switch |
Zinsurance News
Our mission is to provide you the greatest Price|Apps|Service|Coverage|Discounts|Policy|Quote|Value|Rates|Tech & save you time and money.
Homeowners insurance doesn't need to be complicated. Zinsurance is a new kind of insurance service, using technology to simplify insurance, pay claims fast & save you money.
What good is insurance if you can't count on it? We make filing a claim easy. Our mission is to pay covered claims quickly, eliminating weeks or months of hassles and negotiation. We make claims our number one priority, because that’s how homeowners insurance should work!
Easily Upload Photos & Video
File a claim 24x7, anytime & anywhere, and hear back from a real person.
Direct Deposit Payments
When disaster strikes, fast access to money makes all the difference.
Helpful & Friendly
We know filing a claim can be stressful, and our team is ready to help.
Better Insurance, Without Compromise.
We are changing the way people look at insurance. Our lean team of experts use data, automation & experienced professionals to provide you great coverage, at a fair price, with complete peace of mind.
Using the latest AI technology, we're able to identify over priced insurance customers, and provide discounts based on tree locations, roof complexity, solar panels, a well kept yard, and much more.
Green Discounts
When you help save the environment, we help you save on insurance.
No Ads & No Agents
We market directly to you, so you don't pay for expensive Super Bowl ads or yearly agent commissions.
We Make Insurance Simple
Switch your current policy in minutes, and have claims paid just as fast.
Let's Start Saving
Recent upgrade to solar energy? When you do your part to help the environment, that deserves a discount! No big trees near your house? That can save you big.
We share a vested interest in keeping your home safe. That's why we include smart home devices to alert you about fire, flood & theft, so we can help minimize any loss to your property.
Learn More Ways to SaveFrequently Asked Questions
How do I know that I'm adequately covered?
When you receive your customized quote, we have already reviewed the value of your home and a recommended a coverage level is built into your quote. This amount covers your home, its contents, and any other structures like garages, sheds, or fences all in a single amount. Unlike other companies, we don't force you to choose from many confusing options for coverage levels.
How do deductibles work?
Your policy may include several deductibles that apply before coverage kicks in. Insurance companies use deductibles to keep costs lower for their policyholders. Zinsurance follows the philosophy that insurance is meant to protect against large events so you can have peace of mind. As your home value increases, you can keep your premium low by opting for higher deductibles.
How do I report a claim and what can I expect?
We pride ourselves on handling claims quickly and in a fair manner. When something bad happens, you don't want to wait weeks for a response. We use technology to quickly identify the issue, and you can self-report the damages immediately through our easy to use claims reporting tool. This allows you to upload photos and videos of damaged items so you can be reimbursed quickly. This process can speed the settlement of your claim often without the need for a claim adjuster to schedule an appointment with you in your home.
How do I pay my bill?
We make the payment process simple. Once you have a policy, simply login and go to the 'payments' section. You can make a single payment by credit card or from your bank account through our payment portal. You can also set up recurring payments so you dont have to worry about remembering to pay your premium. You can also change your bank information if you pay through a mortage escrow. We are here to make this part of your life as simple as possible!
Is Zinsurance a Company or an Agency?
Zinsurance is a digital insurance agency created by actuaries and insurance veterans. We work with top-rated insurance companies to provide you with great coverage that saves you time and money. We are currently licensed in New York State under the name Zinsurance Insurance Services, Inc. – license number PC-1674254 Our innovative product, policy, and mobile app is under development and will be launched soon. Please join our waiting list to be informed when we are ready in your state.
