InsuredBetter's Porch Insurance Company Score
4 Stars
We award Porch Insurance a final rating of four out of five stars. Though the carrier is not yet rated by AM Best for financial strength, Porch has a strong "A+" rating by the Better Business Bureau (BBB). Porch has several positive customer reviews on the platform as well.
Porch Insurance was founded in 2012. The carrier currently only offers homeowners insurance, but its policies offer coverage beyond the standard protections provided by many insurance companies. Porch Insurance members can enjoy included coverage for home service lines, spoiled food, residential glass, and even a home warranty for appliance breakdowns.
Overall, we highly recommend looking into Porch Insurance with the help of an independent insurance agent to be your next trusted carrier.
Key Takeaways - Porch Insurance Company Review 2026
- Porch Insurance was founded in 2012, giving the carrier more than a decade of experience in the industry.
- Porch Insurance offers homeowners insurance policies with several enhanced coverages, including protection for residential glass and spoiled food.
- Online claims reporting is available for customers at any time.
- Several discounts and savings opportunities are available, including for new homebuyers, home inspections, and more.
- Working with an independent insurance agent is highly recommended, as they can help you compare quotes for Porch Insurance's homeowners coverage to find the best policy.
Porch Insurance Company Pros and Cons:
| Pros: | Cons: |
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Founded in 2012
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Not yet rated by AM Best
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Rated "A+" by the Better Business Bureau (BBB)
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Offers several discounts and savings opportunities
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Offers enhanced homeowners insurance
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Offers online claims reporting
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Porch Insurance Products by Type
Here's an overview of the products offered by Porch Insurance.
Home & Property Insurance:
Porch Insurance Homeowners Insurance
Porch Insurance's home insurance policies come with all the basic coverage you'd expect in a homeowners policy, including liability, dwelling, additional living expenses, and contents. The carrier also offers several coverage enhancements for a much more comprehensive policy, including the following.
Coverage types, features, & benefits:
Service line coverage
Porch Insurance's service line coverage can reimburse the homeowner for failures or breakdowns of the property's critical service lines, such as those for water and sewer. Up to $10,000 in coverage per policy period is included in Porch's home insurance policies.
Water and sewer coverage
Porch Insurance's homeowners insurance policies also include water backup and sump discharge or overflow protection coverage. This coverage applies to issues stemming from drain or sewer lines and can help reimburse the homeowner for the cost of repairs or replacements to personal belongings damaged by blocked sewer lines and overflows, such as furniture, flooring, and appliances.
Residential glass replacement
Porch Insurance's home insurance policies include coverage for the glass installed in your home. This coverage includes protection for repairs and replacements for windows, chandeliers, and other fixtures due to accidents and other covered incidents.
Refrigerated product coverage
Porch Insurance also provides up to $500 in coverage for spoiled food. This coverage can reimburse the homeowner for food that spoils due to a power outage or appliance breakdown that affects their fridge or freezer.
Porch Insurance Homeowners Insurance Average Prices
Porch Insurance does not make its average homeowners insurance rates readily available online without requesting a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of home insurance you need and also compare quotes from multiple carriers for you. You can get a better idea of how much a homeowners insurance policy might cost you by using our home insurance calculator.
What Discounts Does Porch Insurance Offer?
Porch Insurance offers several discounts and savings opportunities, including the following:
Homeowners insurance discounts and savings:
- Homebuyer discount: New homebuyers can earn a discount of up to 16% when they purchase a property.
- Home inspection discount: Offered to customers who complete an official home inspection.
- Home Warranty: Porch Insurance members can receive up to $15,000 in combined coverage in case their home systems break down due to normal wear and tear.
- Handyman service vouchers: Porch offers $100 handyman service voucher coupons to help its members with home maintenance and repair costs.
- Local and national business discounts: Porch Insurance members can enjoy more than $500 in savings from retailers and service providers, including home improvement stores and professional services.
An independent insurance agent can help you find more information about other discounts offered by Porch Insurance. Independent insurance agents work hard to find you the right coverage at the lowest possible rate.
Porch Insurance Customer Service
Here's a breakdown of Porch Insurance's customer service options and availability.
- Phone
- Online claims reporting
- The main customer service phone department does not specify its hours.
| Days | Hours |
| NOT SPECIFIED | NOT SPECIFIED |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
Porch Insurance Company FAQs
What is Porch Insurance's average claim response time frame?
Porch Insurance does not offer a specific claims response timeframe promise; however, the carrier states it will contact customers within 24 to 48 hours of submitting an agent support form.
What is Porch Insurance's customer service availability?
Porch Insurance allows customers to contact it through several mediums and allows claims reporting via phone or online at any time. However, the carrier's customer service department does not specify its availability.
What is Porch Insurance's claims process?
Porch Insurance breaks down its claims process into four simple steps, as follows:
- The customer is contacted by an agent to discuss the claim.
- The customer is asked for specific details about the claim, including photo evidence.
- The customer is assigned a claims adjuster who will assess the damage.
- Porch Insurance stays in touch with the customer throughout the claims process.
An independent insurance agent can also keep you updated through every step of the claims process and let you know when you can expect to receive reimbursement.
Does Porch Insurance create a user-friendly experience for customers?
Porch Insurance's website is easy to navigate. Much of the pertinent information customers seek can be located quickly.
The carrier also has a social media presence on Facebook, Pinterest, X, and YouTube. The insurance company allows claims reporting by phone or online. Overall, Porch Insurance provides a user-friendly experience.
Does Porch Insurance have good homeowners insurance?
Yes, Porch Insurance has good homeowners insurance. The carrier's home insurance policies include enhanced coverage that goes beyond the basics. Some additional coverages included in Porch Insurance's home insurance policies are coverage for residential glass, perishable food, water and sewer backups, and home service lines.
Is Porch Insurance a good insurance company?
With an outstanding "A+" rating from the BBB, yes, Porch insurance can be considered a good insurance company.
Who are Porch Insurance's products right for?
Porch Insurance's products may be right for homeowners seeking policies that include more coverage than the basics offered by many insurance companies.
Sources
https://porch.com/insurance
https://www.bbb.org/us/wa/seattle/profile/contractor-referral/porchcom-1296-22830560