Coverhound: 5 Things to Know Before Getting a Quote

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Coverhound: 5 Things to Know Before Getting a Quote
Image Credit: Dreamstime/Clark.com

Most people understandably don’t like shopping for insurance. But Coverhound makes it easy to quickly enter your info and get real quotes online — without having to talk with an insurance agent over the phone.

For this Coverhound review, I got quotes for both home and auto insurance. You can see the prices I was quoted here or read about my full insurance-shopping experience below.

Here’s What You Need to Know About Coverhound

Coverhound is an online insurance agency that works with multiple top insurers. The site can help simplify the insurance shopping process, particularly for home and auto coverage.

Table of Contents

  1. How Does Coverhound Work?
  2. What Kinds of Insurance Can You Get Quotes For?
  3. Where Is Coverhound Available?
  4. Which Insurance Companies Work With Coverhound?
  5. How Are the Prices on Coverhound?

1. How Does Coverhound Work?

Shopping for insurance on Coverhound is easy. After entering some basic info, you’ll get your quotes online in just minutes.

Best of all, you won’t be getting estimated premiums; you’ll get real, actual rates right from the carriers that Coverhound represents.

In this review, I’ll show you how to shop for both auto and home coverage.

Coverhound homepage

Auto Insurance

To get started, you’ll need to enter the following info or answer the these questions:

  • Year, make, model and style of your vehicle(s)
  • Ownership: Paid in full, currently making payments or leasing
  • Primary use: Commute to work/school, pleasure or business
  • How many miles do you drive each way and how many days per week?
  • Is this vehicle used for any rideshare program such as Uber or Lyft?
  • Identify the primary driver and secondary driver, if applicable

As opposed to entering much of that info manually, Coverhound can obtain the data from DMV with your permission. If you agree, you also give them permission to access information about your credit history, driving record and insurance claims history.

To identify discounts you may qualify for, you’ll also be asked to enter the following info or answer the these questions:

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  • Career status and occupation
  • Highest level of education
  • Marital status
  • How old were you when you got your U.S. driver license?
  • License status
  • Any tickets, accidents or comprehensive claims in the last five years, or DUIs in the last 10 years?
  • Do you own your primary residence? Type of home?
  • Are you currently insured? Name of insurer? How long have you been continually insured? What are your current coverage limits?

Following that, you’ll enter your home address and email address. You’ll also have to input any driver incidents over the last five years, if that applies to you.

And that’s it. You’ll get your quotes for auto insurance in less than a minute or two after submitting the required info.

Home Insurance

The process of getting a home insurance quote is a bit easier than getting an auto quote because it requires you to enter less information.

To get started, just provide the following info and/or answer the following questions:

  • Street address
  • Whether you are a homeowner, renter or landlord
  • Is this your primary residence?
  • Year of purchase or inheritance
  • How many people live in your home?
  • Do you own a dog? Which breed?
  • Name, date of birth, marital status, email address, phone number

Upon entering that info, you’re immediately served with four quotes online — but be ready for the phone to ring.

While I didn’t hear from anyone after requesting an auto quote, I did receive two follow-up phone calls in two days and a couple of emails from a licensed Coverhound agent after requesting my home quote.

2. What Kinds of Insurance Can You Get Quotes For?

Coverhound offers a fairly broad range of property and casualty insurance. In addition to home insurance and auto insurance, they also quote for the following lines:

  • Condo
  • Renters
  • Motorcycle
  • Umbrella
  • Landlord
  • Mobile Home
  • Personal Articles Coverage (jewelry, collectibles)
  • Specialty Lines (RV, boat)
  • Flood
  • Earthquake

In addition, Coverhound also offers a variety of business insurance policies like cyberinsurance, commercial auto insurance and more.

Finally, if you’re interested in term life, Coverhound directs all inquiries for those policies to Policygenius. You can read our full review of that service here.

3. Where Is Coverhound Available?

Coverhound is licensed to offer all insurance products in most U.S. states and Washington, D.C. However, it won’t quote you for rates on personal lines (home, auto, renters, etc.) in Alaska, Hawaii, and Massachusetts, according to the FAQs.

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You can find state licensing info here.

4. Which Insurance Companies Work With Coverhound?

Coverhound works with a variety of companies, depending on the kind of insurance you’re getting a quote for.

For auto insurance, I got quotes from Progressive, Travelers, Mercury, Safeco, Bristol West and Nationwide.

When it came to home insurance, I was quoted by Safeco, Mercury, Travelers and Nationwide.

In addition, Coverhound says it works with the following other carriers on personal lines:

  • 21st Century
  • Acuity
  • ASI
  • CAIC
  • Century National
  • CSE
  • Dairyland
  • Foremost
  • The General
  • Good2Go
  • Infinity
  • Kemper
  • Liberty Mutual
  • MAPFRE
  • Pacific Specialty
  • Plymouth Rock
  • QBE
  • State Auto
  • Stillwater
  • Universal NA
  • UPC
  • Workmen’s

5. How Are the Prices on Coverhound?

Auto and home insurance are the kinds of things that a lot of people don’t pay much attention to in their financial lives. But shopping these two policies can often save you hundreds of dollars a year.

While you can save even more by bundling your home and auto through the same carrier, I shopped the policies separately on Coverhound.

Here are the prices I found.

Auto Insurance

When shopping for auto insurance on Coverhound, you’re asked to select from four potential levels of coverage: Minimum, basic, superior and deluxe.

The exact dollar amounts of coverage vary by state, but this is what I was offered in my home state of Georgia:

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Primary Liability

  • Bodily Injuries Limits – $25K / $50K (minimum); $50K / $100K (basic); $100K / $300K (superior); $250K / $500K (deluxe)
  • Property Damage – $25,000 (minimum and basic); $50,000 (superior); $100,000 (deluxe)
  • Medical Payments – No Coverage (minimum and basic); $1,000 (superior); $5,000 (deluxe)

Uninsured Liability

  • Bodily Injury Limits – No Coverage (minimum); $50K / $100K (basic); $100K / $300K (superior); $250K / $500K (deluxe)
  • Property Damage – No Coverage (minimum); $25K / $1,000 Deductible (basic); $50K / $500 Deductible (superior); $100K / $500 Deductible (deluxe)
  • Rental Reimbursement – No Coverage (minimum and basic); $30/$900 (superior and deluxe)
  • Towing & Labor – No Coverage (minimum); $50 (basic); $75 (superior and deluxe)
  • Comprehensive Deductible – $1,000 (minimum); $500 (basic); $500 (superior); $250 (deluxe)
  • Collision Deductible – $1,000 (minimum and basic); $500 (superior and deluxe)
  • Loan/Lease GAP Coverage – Yes (minimum, basic, superior and deluxe)

Additional Coverages

  • Uninsured Motorist Option – Add-On (minimum, basic, superior and deluxe)

And here are the actual quotes. The most affordable option in each category is bolded:

CarrierMinimum BasicSuperior Deluxe
Progressive$84/month$103/month$129/month$159/month
Nationwide
$117/month$120/month$134/month$154/month
Bristol West$186/monthN/AN/AN/A
Safeco$196/month
N/AN/AN/A
TravelersN/A$105/month$130/month$149/month
MercuryN/A$107/month$137/month$164/month

As a point of reference, this quote was obtained for a widowed 44-year-old male who owns a home, has a master’s degree, excellent credit and one speeding ticket driving a 2020 Toyota Corolla in Atlanta, Georgia.

Home Insurance

When it comes to home insurance, here are the quotes I got:

Carrier Monthly Premium
Mercury $47.58
Nationwide $66.16
Travelers $72.83
Safeco $100.83

Coverage Details

  • Dwelling coverage: $134,140
  • Medical payments: $5,000
  • Personal liability: $100,000
  • Deductible: $2,000

Final Thought

Coverhound makes it easy to get insurance quotes online. Best of all, it serves up real insurance quotes from the carriers they work with. These are not estimated premiums that could change when you go to lock in the policy.

If you like the quotes you get, you can buy the coverage directly online. The only drawback is that I was hounded with follow-up calls and emails on the home insurance side – but not for my auto insurance quotes.

Before locking in with any carrier, be sure to check out our list of the Best and Worst Auto Insurers and Best and Worst Home Insurers.

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