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Comparison based on San Francisco, the nearest area we obtained data for. Goodcover annual premium estimate is $86.88, and the average of premiums reported by Allstate, Farmers, Liberty, Nationwide, and State Farm is $157.33.
Both estimates assume $30K property coverage, $100K liability coverage, $9K temp-housing, with $500 deductible.
Source: State Department of Insurance Homeowners Coverage Comparison Tool (May 1, 2019) or a reputable aggregation site.
Better coverage for your stuff
Get worldwide protection for your stuff, starting at $5 a month. Adored by our members, Goodcover is a refreshing take on insurance.See coverage options
Best price at half the cost
Our model prices higher risk applicants accordingly, meaning lower prices for you. You can adjust your coverage anytime, anywhere, instantly.Start saving now
We’ll cancel your badcover
You can cancel your old policy anytime and get a refund of anything you prepaid – it's the law. Best part, we'll do the legwork so you don't have any gap in coverage.Find out how
We pay member dividends
We pool Members' premiums, take a fixed fee, pay claims, and return the remainder directly to you through our Annual Member Dividend.How dividends work
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Lower costs for you
We’re ruthlessly efficient, and eliminate waste that stands between you and peace of mind. Don't pay for agents and celebrity endorsements.
We believe premiums are for your protection, not to fatten our profit. With our easy digital-first experience and human support, Goodcover is modern insurance.
Trusted and loved by our members
The twist? Goodcover returns unclaimed premiums to policy holders at the end of the year.
– Jordan C.
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I just got rid of Lemonade to use Goodcover. I'm extremely impressed!!
I switched to Goodcover, saved 40% and they cancelled my old plan for me!
I thought Lemonade was good until I started using Goodcover. Easy. Simple. Cheap. What more could you ask for?
I just signed up for Goodcover. The cost-saving and how simple you make it to switch from Lemonade is truly mind-blowing.
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Help us spread the good word. Invite your friends to join us, and you’ll both earn a month of free insurance.*
*California only. We're working to bring this program to all states — check back soon!
Supported by industry leaders
Our reinsurers have more than $20 billion in assets combined ensuring our Members have access to financial stability in case of large emergencies.How Goodcover works