EverQuote Home Insurance Review 2021

EverQuote strives to connect consumers to companies that meet their insurance needs. Read this EverQuote review to determine whether the company can help you.
By Home Service Research Team
January 06, 2021
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Life is full of uncertainties, and the best way to protect yourself from those uncertainties is to have great insurance. That’s especially the case for your home, which can be extremely expensive to repair after unexpected disasters. But while peace of mind may be invaluable, you still want to get the best deal on the best home insurance.

EverQuote strives to connect consumers to companies that meet their insurance needs. In this EverQuote review, we take an in-depth look at how the service works, highlight its benefits, and identify what you should look out for.

In this article:

  • Overview of EverQuote
  • Benefits & Drawbacks
  • How EverQuote Works
  • EverQuote Cost
  • Customer Reviews
  • Our Conclusion
  • Frequently Asked Questions About EverQuote

Overview of EverQuote

EverQuote is a free way for you to simplify the process of shopping for home, auto, or any other kind of insurance. Working with more than 100 insurance companies, EverQuote aims to match you to an insurance provider that has exactly what you need.

The only major concern with using EverQuote is data security. You need to provide the company with some personal details to get your insurance matches. and some previous customers have reported improper use of this information.

Benefits & Drawbacks

Like many services, EverQuote comes with advantages and disadvantages. We highlight what you need to know.

Benefits: 

  • Partners with a variety of recognizable insurers
  • Helps narrow down home insurance searches
  • Free to use

Drawbacks: 

  • Doesn’t provide actual quotes
  • Poor customer reviews
  • Data concerns

How EverQuote Works

When you reach EverQuote’s site, you first select which type of insurance policy you need. Your options are home, auto, renters, life, health, or commercial. Then you enter some relevant details like your zip code, age, and, in the case of home insurance, specifics about the home you are looking to insure.

Once you have completed this process (which only takes a few minutes), EverQuote brings you to a screen with the insurance companies it recommends for you. Some potential insurers include Farmers, Nationwide, and Liberty Mutual, which are all partners of EverQuote.

EverQuote bases the recommendations you receive on what other consumers in similar circumstances to you chose in the past. In essence, the site uses data to direct you to insurance agencies that are most likely to serve your needs.

In addition to the screen you see with insurance recommendations, you will also begin receiving quotes from insurance agents in your area soon after filling out the online form. You can decide how the agents contact you and then discuss any questions or concerns you have about your insurance policy with them directly.

EverQuote Cost

EverQuote is free. You don’t even need to sign up or make an account on the website. All you need to do is provide a few key details on the site, and EverQuote will provide you with your customized insurance recommendations.

Customer Reviews

EverQuote received a B rating from the Better Business Bureau. Most of the customer complaints focus on the spam that comes from the site.

Here are some sample EverQuote reviews from recent customers:

I'd give a negative star if possible. How these degenerates could believe that constant, irritating, and unwanted emails could motivate anybody to do business with them is beyond comprehension. I've sent their emails to the spam can numerous times only to be bothered by them again and again. How is this legal? It's time to contact the Consumer Protection Agency.” - Michael H. via the BBB on August 13, 2020

I never signed up to receive ads from this company. I am registered on the National Do Not Call Registry but have been receiving automated calls from this company nearly every day for months. There is no option to opt-out.” - Susan H. via the BBB on July 8, 2020

“I am getting daily text messages and phone calls for ‘completed quotes that I have requested’ even after answering one of the calls and telling them this same information and that the person they are asking for is not associated with my number.” - ReBenoit via the BBB on November 11, 2020

There isn’t much information on how customers felt about the actual insurance policies EverQuote recommended, but with so much focus on the constant unwanted contact from the company and related third parties, it doesn’t seem like customers believe using the free service was worthwhile.

Our Conclusion

EverQuote might be a good starting place for those overwhelmed by the prospect of having to choose a home insurance company for their home or other assets. It can help get you pointed in the right direction with a smaller list of personalized options.

However, if you are very cautious about your data and want to avoid spam, EverQuote may not be the company for you. With the complaints customers have raised, you’ll need to think carefully before entering your details on EverQuote’s website. Be sure to look at the company’s privacy policy prior to making a decision.

Frequently Asked Questions About EverQuote

How does EverQuote make money?

EverQuote is free for users, but the company makes money through referral fees from the insurance agencies it directs users to.

Where is EverQuote based?

EverQuote is based in Cambridge, Massachusetts, and was founded by two men who met when they were both students at MIT.

How is EverQuote different from an insurance agency?

EverQuote is not an insurance agency and cannot provide you with any kind of insurance directly. It is a free service insurance-seekers can use to match with and get quotes from insurance agents. 

Is EverQuote trustworthy?

EverQuote works with legitimate, recognizable insurance providers and connects them to users. The insurance policies are as trustworthy as the companies providing them, and EverQuote is only the middleman connecting the companies and the insurance-seekers. That being said, there are some concerns about how EverQuote uses your data.