Insurance

Insurance Policies for You and Your Family

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FinSpot.guide may earn a commission when a user completes an action using our links, which will however not affect the review but might affect the rankings. The latter is determined on the basis of product market fit and compensation received.

The information contained in FinSpot.guide should not be conceived as legal, financial or investment advice nor as an endorsement of any of the products or services referenced in FinSpot.guide. As disclosed in the Terms and Conditions all information on FinSpot.guide is subject to change. FinSpot.guide does not contain an exhaustive list of all lending or insurance partners in each category.

FinSpot researches the best financial options available in the US today so that you don’t have to! Our team of dedicated researchers scour the internet to give you the advice and assistance you need to make an informed decision. The following list of insurance and warranty providers have been reviewed by our editors and meet FinSpot standards for coverage and reliability.

Find Your Match

Last Updated:
December 2024

Our rating system - FinSpot Star Ratings are based on editor research and expertise. Please do your own research before making any financial decisions.

Renters Insurance
1
9.8
FinSpot Rating
Most loved renters insurance in America
  • Covered in as little as 90 seconds
  • Claims paid at record speed. No paperwork. No hassle. No waiting.
  • Starting from $5/mo. (not a typo)
Build credit by reporting rent with
Best Coverage
2
9.7
FinSpot Rating
Quick-thinking insurance for fast-moving businesses
  • Buy a policy online, in the app, or over the phone in minutes
  • Get coverage by the job, month, or year
  • Modify, pause, or cancel instantly if work slows down or hiring picks up
Audience Favorite
3
9.5
FinSpot Rating
Ready to enroll in an individual vision plan?
  • Save up to $300 annually with a VSP plan
  • Ideal for seniors & retirees or self-employed and part-time workers
  • Get exclusive member-only deals on popular eyewear brands
4
9.3
FinSpot Rating
Compare Car Insurance Rates Instantly
  • Find cheap rates by comparison shopping
  • We do the hard work for you
  • Explore our guides and articles
5
9.0
FinSpot Rating
International Health Insurance
  • For individuals and families living abroad
  • Get a free quote in just 2 minutes
  • Full Cancer Care and Global Care on Demand
6
8.7
FinSpot Rating
Life Insurance Made Easy
  • Plans for every budget - average $15/month
  • Coverage designed around your needs
  • Get pre-qualified in 2 minutes online
7
8.4
FinSpot Rating
Life Insurance that’s actually simple
  • Term Life, Disability Income, and Annuities
  • Coverage issued by MassMutual, est. in 1851
  • 2021 World's Most Ethical Companies, Ethisphere Institute

Our Methodology: How we found the best insurance options for you

Research. Research. More research. It’s really that simple. Our dedicated team of online experts scour the internet every single day to find the best options available for our audience. We want to help save you money, and we want the process of saving to be easy for you to complete. The recommendations we provide are selected based on the following criteria; reliable service, ease of application, and trusted source. FinSpot wants you to be able to select the best option for you, and then move on with your life to focus on the things that matter, like family, friends, and a healthy life. Take a look at the following list and do your own research as well. We’re confident you’ll be satisfied with our selections.

Home, Life, and Auto Insurance Recommendations
1
Lemonade Renters
Most loved renters insurance in America
  • Covered in as little as 90 seconds
  • Claims paid at record speed. No paperwork. No hassle. No waiting.
  • Starting from $5/mo. (not a typo)

What does renters insurance actually cover? It protects your personal property and helps cover personal liability costs. Lemonade Renters has your back when bad luck strikes.

  • If someone swipes your bike: Crime and vandalism coverage pays for your stuff if it’s damaged or stolen.
  • If a water leak ruins your stuff: Water damage coverage protects you if your electronics get drenched, or your pipes cause a mess.
  • If your stuff goes up in flames: Fire and smoke protection has you covered if things get a little heated.
  • If someone sues you for damages: Liability coverage protects against lawsuits due to accidents in your home. We’ll hire a lawyer to defend you, and cover the costs.
  • If someone gets hurt in your home: We'll help pay medical expenses if someone has an accident or is injured while at your home.

Renters insurance can be confusing, so we worked hard to make it simple. If you still have questions, you can check out renters insurance explained.

Why we chose Lemonade: Protect your things, plus support what matters to you. Lemonade is a public benefit corporation. They take a flat fee up front before paying claims. Then, they donate what’s left to meaningful causes their customers choose. Oh ya, they’re also the most loved renters insurance in America. Lemonade has earned 4.9 stars in the App Store, and is also top-rated by Supermoney, Clearsurance, and others.

2
Thimble
Quick-thinking insurance for fast-moving businesses
  • Buy a policy online, in the app, or over the phone in minutes
  • Get coverage by the job, month, or year
  • Modify, pause, or cancel instantly if work slows down or hiring picks up

Thimble makes insurance simple. From handymen and photographers to retailers and restaurants, we make it possible for every business, no matter how new or small, to take on their next opportunity.

We put small businesses in control.

You didn’t start your dream business for the thrill of buying insurance. That’s why we work hard to make insurance easier, faster, and more accessible, whether you just started in your garage this morning or you’re celebrating the 10 year mark. To make that happen, we’ve ditched the insurance industry’s dusty and complicated process to bring you a modern, straightforward experience: no blood, no sweat, no tears.

Why We Do It All: We don’t just serve small businesses, we take the time to learn their stories too. Whether we’re helping them get started or celebrating their wins, we’re always enthusiastic to bring the spirit of small business into everything we do.

Why we chose Thimble: Because of their (not so) secret sauce.

  • Simple: Fewer questions. More options. Buy a policy online, in the app, or over the phone in minutes. Get to work before the other guys even call you back.
  • Scalable: Any size. Every stage. Get coverage by the job, month, or year. Choose how you pay, then upgrade when business really takes off.
  • Flexible: Total Control. Seamless edits. Modify, pause, or cancel instantly, whether work slows down or hiring picks up.
3
VSP Individual Vision Plans
Ready to enroll in an individual vision plan?
  • Save up to $300 annually with a VSP plan
  • Ideal for seniors & retirees or self-employed and part-time workers
  • Get exclusive member-only deals on popular eyewear brands

Over time, your eyesight can change. So, it’s important to get your eyes checked every year to make sure you’re seeing your best. The good news is that you can get affordable vision coverage on your own with VSP® Individual Vision Plans.

Plans start as low as $13 a month, with typical savings up to $300 a year on the vision care and eyewear you need. There are several full-service plan options to choose from, so you can get the personalized coverage you deserve.

  • Ideal for:
    • Seniors & Retirees
    • Self-employed or part-time individuals
    • Those changing jobs

Why enroll in a VSP Individual Vision Plan? It takes less than 10 minutes to enroll in a plan on your own, but better sight can last a lifetime. Vision is at the heart of how we experience the world. Even a small change in the quality of our vision can be immediately noticeable, with big consequences that can affect our daily routine. A personalized plan from VSP can help you save on your next eye exam and glasses. Plus, you’ll get access to over $3,000 in savings on other member-exclusive offers, including contact lenses, LASIK, and more!

Why we chose VSP Individual Vision Plans: With the price of your vision insurance policy, you can save on lenses, frames, or contacts up to the allowance listed in the plan you choose. VSP Individual Vision Plans cover annual eye exams in full after a small copay. The savings don’t stop with exams and frames, though. If you prefer upgrades that cost more than the standard covered allowance, you also get discounts on enhancements you may choose when selecting your glasses or contacts. Progressives, bifocals, trifocals, and tinted lenses are also covered or discounted with your coverage. When you choose a vision insurance plan from VSP, you get great value for eye care without changing the quality of your coverage. They also offer a 100% Satisfaction Guarantee, meaning if you’re not happy, they’ll make it right. It’s no wonder they have a Member Satisfaction rate of 93%.

4
SmartFinancial
Compare Car Insurance Rates Instantly
  • Find cheap rates by comparison shopping
  • We do the hard work for you
  • Explore our guides and articles

Car insurance rates change every day, and you could be leaving money on the table if you’re not comparison shopping. With car prices and repair expenses shifting, so does the cost of auto insurance. Insurers use these market changes plus other factors, like your age and driving history, when underwriting policies — that's why a different carrier may charge less for the same coverage.

Until you compare quotes, you’ll never know if you’re paying too much for car insurance.

But shopping around can be a tedious chore. Imagine calling each company one-by-one and repeating your information each time. Doing the legwork yourself might waste hours (possibly days) of work. Or you can complete one convenient form to compare big carriers alongside smaller local ones for free by shopping with SmartFinancial.

Save up to 50% on Car Insurance with SmartFinancial!

Why we chose SmartFinancial: The best way to buy car insurance is to compare rates. Not only do car insurance rates change daily, but you will get different pricing from each insurer. Why not compare all the rates available to you so you can afford to buy the right amount of coverage and save some money too? That's where SmartFinancial comes in. Let them do the hard work of finding all the most recent rates in your area for you!

5
Cigna Healthcare
International Health Insurance
  • For individuals and families living abroad
  • Get a free quote in just 2 minutes
  • Full Cancer Care and Global Care on Demand

An international health insurance plan gives you access to private health care services across the globe. Cigna's health insurance policies are flexible to suit your needs and budget: you can choose from a range of cover levels and personalization options to find the right plan for you. Our plans cover treatment for both emergency and routine healthcare, and provide you with flexibility in terms of choice of doctor and treatment facility.

With Cigna's international health plans, you can access private healthcare providers anywhere within your region of travel. This means you don't have to rely on local, public health care systems, which may not meet your needs. You also avoid surprise health care bills and instead pay a regular, predictable premium. If you do need to claim, we can often pay the provider directly.

Why we chose Cigna: Complex Case Management / Medical Second Opinion Service. Cigna offers a dedicated nurse to manage any chronic conditions you may have, throughout the lifetime of the policy. They also offer a medical second opinion, for that extra piece of mind.

6
Everyday Life
Life Insurance Made Easy
  • Plans for every budget - average $15/month
  • Coverage designed around your needs
  • Get pre-qualified in 2 minutes online

We’re a fully licensed insurance brokerage that’s here to provide you with all of the support & answers you need. We’re independent, meaning that we are not tied to any one insurance company and are dedicated to serving YOU, not the insurance company. Since 2018, we’ve been on a mission to simplify the life insurance process and make coverage an option for everyday families across the United States. Find out how we make it easy for people like you to find the best coverage for your needs and budget.

We believe life insurance is not a luxury, it’s a protective layer that every family deserves. But because of outdated processes still running the industry, it’s far too difficult for your average person to find the best coverage for them. They’re either left not understanding the type of coverage they need or not understanding the coverage they just bought. Our team at Everyday Life Insurance is just not satisfied with that outcome. Life is beautiful and filled with unexpected challenges around every corner. We believe life insurance should never feel like a maze to navigate, but rather a supportive hand at your side. We’ve created one-of-a-kind life insurance technology that revolves around inclusivity, simplicity, and compassion.

Why we chose Everyday Life: There are thousands of life insurance products available today but there is no single one-size-fits-all insurance policy that will work for everyone. Not only are everyone’s insurance needs different but each product has its own qualification criteria. Everyday Life helps people avoid all these hassles with technology that helps you thoroughly evaluate your needs and get solid coverage at a reasonable price. Their technology finds the right policy for you, makes the process painless, and makes it available 24/7.

7
Haven Life
Life Insurance that’s actually simple
  • Term Life, Disability Income, and Annuities
  • Coverage issued by MassMutual, est. in 1851
  • 2021 World's Most Ethical Companies, Ethisphere Institute

Haven Life is rethinking how people financially protect the ones they love by taking an antiquated process and making it simple. And affordable. And, yes, even a little enjoyable. At Haven Life, we’re committed to delivering delightful purchasing experiences, meaningful moments of service and providing peace of mind at a price that makes sense. We believe that just because something is important, doesn’t mean it has to be expensive.

Haven Life is made up of a diverse team of professionals who are dedicated to building a better experience for anyone who wants life insurance. We let our customers tell us what’s important to them, and then use a combination of modern technology and people-powered support to address those needs.Haven Life is proud to provide coverage issued by MassMutual, one of the country’s oldest insurers, or its subsidiary, C.M. Life. This unique partnership allows Haven Life to provide the personal touch of a startup combined with the proven track record of an insurer that has been helping people secure their financial future since 1851. MassMutual and C.M. Life are rated A++ by A.M.Best – their highest rating for financial strength and claims paying ability.

Why we chose Haven Life: Haven Life offers an easy way to digitally purchase a dependable and affordable term life insurance policy to help financially protect the people you love. Their promise to you...

  • We promise to provide dependable coverage backed by an industry leader
  • We promise to treat you like more than just a policy number
  • We will never stop learning and looking for ways to improve.
  • We promise to provide you with support that's knowledgeable, caring and friendly
  • We promise to try to make this insurance thing something you can enjoy.
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