Sun. Oct 1st, 2023

Top 10 Digital Insurance of 2022

Although there are a ton of incredible top insurance mobile apps that support users in effectively managing bills and payments, they lack the security of insurance and quick claims. For this reason, we’ve put together a list of the best insurance mobile apps to assist you in managing your bills such as underwriting, claims to adjust, and even communications, more effectively.

1. Esurance

This plan provides insurance for your home, car, motorcycle, pet, life, etc. With Ensurance, you can choose from multiple lines of insurance depending on your state, you can pick the policy you need or bundle coverage together to save. It has an easy-to-use mobile interface and offers several discounts to customers. It is owned and backed by Allstate, the largest publicly held personal insurer in the country and operates in most states, though some products are limited to certain states only.

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2. Lemonade

This digital insurer offers homeowners, condo, and renters insurance to residents of over 30 states. You can buy insurance directly online without the use of an agent. Lemonade is not your typical insurance company. The company keeps a set amount of your paid premium to pay for operating expenses and uses the rest to pay claims. Any unclaimed premium can go to a nonprofit of your choice. The company uses AI to handle claims and provide insurance policies which include Replacement value, Personal property between $10,000 to $250,000, Deductibles from $250 to $2,500, Med Pay of $1K to $5K, Personal Liability of $100K to $500K, Off-premises coverage and Loss of use from $3K to $200K.

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3. Root

Root is a tech-savvy auto insurance company set on directly rewarding good drivers for their good driving habits. The app is feature-rich and often allows you to cut your premiums in half, saving up to 52% on your auto insurance rates. It allows you to save money on premiums based on your driving habits, by utilizing an innovative “test drive” before a quote is ever calculated. The test drive is a two- or three-week digital trip tracker, performed through the Root mobile app directly. Through this, Root is able to gauge and evaluate your everyday driving habits, including speed, aggression, and even the times of day you most often drive. With this data, Root is able to better calculate the risk you pose behind the wheel and, in turn, reward you with lower premiums.

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4. Next Insurance

Whether you have 20 employees or are a sole proprietor, protecting your small business with insurance can be very important. Next Insurance offers online business insurance coverage for a variety of companies and industries, and buying a policy—which starts as low as $19 a month—can take just minutes.

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5. Oscar Health

Within their expanding healthcare network, Oscar Health assists in connecting patients with physicians and other healthcare professionals. Even though the program is now only accessible in a few states, it gives participants access to state-of-the-art facilities and a constant connection to the treatment they require. The Oscar app lets you find and visit with healthcare professionals, see lab results, access bills and prescriptions, and even review claims. Plus, you can track your daily steps within the app and earn up to $100 a year in Amazon credits just for meeting your health goals.This company operating in partnership with Mount Sinai Health System gives you access to an app that offers 24/7 doctor-on-call services. You receive a call back from a professional doctor minutes after requesting a callback from the site’s on-call doctor. The app can also send prescriptions to your pharmacy. Your Concierge Team includes a registered nurse and three care guides to provide health care and answer questions.

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6. Haven Life Insurance Agency

This app offers a simple and easy digital process to buy life insurance online. The company is backed by MassMutual, which has an A++ (Superior) rating by AM Best, and coverage is available nationwide. It offers no-medical-exam, instant coverage with InstantTerm, three optional riders to choose from and standard term policies can be purchased up to age 64.

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7. Insurify

This digital insurer uses artificial intelligence to provide you with real, accurate auto insurance quotes by  getting your zip code and replying basic questions about yourself and car usage level. Insurify has its own software that matches drivers with the best options for auto insurance based on the user’s unique risk profile. The software provides you with the best options for auto insurance. Insurify is available to users in all 50 states.

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8. Metromile

This digital insurer offers auto insurance to low mileage drivers through a telematics device installed on your vehicle that measures the miles you drive. The device could potentially save you as much as $741 per year on auto insurance. Drivers with 10,000 miles or less could receive substantial savings on auto insurance premiums. Metromile also offers a smart driving app that offers features for trip optimization, stolen vehicle, car health diagnostics and street sweeping alerts to help you avoid tickets. It has coverage in these states; Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington.

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9. Allstate

Allstate’s mobile app provides important functions for going paperless and making claims. It also has helpful functions such as Allstate’s Digital Locker for making a home inventory—an essential list if you ever have a disaster such as a home fire or tornado. Allstate’s Escape Route helps you create a virtual escape route to use during a fire, so your family can practice and have a plan handy. A gas finder helps you locate the cheapest gas nearby.

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10. Ladder Insurance

Ladder Insurance is a digital insurance agency that has partnered with Fidelity Security Life to offer life insurance without the use of agents directly to consumers online without charging fees. The online process of purchasing a policy can be done in as little as five minutes and you can sign any documents necessary for coverage with an E-signature. The company offers a simple and fast coverage for almost any amount of coverage. However, there are no policy riders available.

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In Conclusion:

Companies offering digital insurance services do so at lower prices to their customers. And you whilst at the comfort of your home can compare these prices and plans with other insurance providers to decide on which features go well with you. This saves you tons of time and money and you can track all your insurance history at any time and place via your phone.


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