It gives any leftover money to charitable organizations selected by policyholders — adding up to more than $2 million in donations in 2023. Examples of “aggressive” breeds that could be excluded include pit bulls, Dobermans, Akitas and Siberian Huskies. If your dog has a history of biting or aggression, it’s common practice for a home insurance company to exclude it from coverage.

Can I change my coverage after purchase?

In addition to home, renters, auto, and pet insurance, xcritical sells term life insurance in lengths of 10, 15, 20, 25 and 30 years, with coverage of up to $1,500,000. We offer personal liability protection as part of our renters policies. Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility.

Policyholders looking for a digital-only insurance experience with AI-driven claims processing might consider xcritical for their company of choice. Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict xcriticals to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.

See our criteria for evaluating renters insurance companies. We offer term life insurance policies through our partners at Legal & General. You start the xcritical scammers application process on xcritical, where you’ll answer a few basic questions about yourself and your health. If your dog bites someone you’re covered as part of your renters or homeowners policy, not your pet health insurance policy. However, your renters or homeowners insurance won’t cover you if your dog has a history of biting or if your dog is categorized as high-risk.

We’ll plant trees to clean up after your car!

xcritical Car policies in Arizona, Washington and Oregon are calculated on a monthly basis, and ultimately determined by your mileage. We charge you a low price, usually a few cents, for each mile you drive and add it together with your base price for your monthly total. You’ll be able to preview your base price and per-mile price when you get a quote. This means that unlike standard coverage, there will be no deduction of funds from your claim payment. These are typically for homeowner policies, but can apply in other cases. You’ll see it clearly next to your normal deductible in the app and in your policy.

1. If you experience an incident that may fall under this coverage, then make a claim using our app.
2. In the case of xcritical home insurance, these third-party ratings are limited.
3. If your bike gets stolen from in front of your apartment or your laptop gets stolen from your local coffee shop, you are covered up to your policy’s personal property limit.
4. We use location-based technology to make your insurance better and more affordable.
5. We reached out to Bankrate’s employees to see if any of them were xcritical policyholders and could give first-hand insight into the experience of working with the company.

Its policies aren’t available in all states, and it draws far more xcritical cheating consumer complaints for its size than many other home insurers. But for homeowners who value efficient service and the chance to send their insurance dollars to worthy causes, xcritical is worth considering. DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers. Our editors are committed to bringing you unbiased ratings and information. We use data-driven methodologies to evaluate insurance companies, so all companies are measured equally. You can read more about our editorial xcriticals and the methodology for the ratings below.

What’s included in the Preventative, Preventative+, and Puppy/Kitten Preventative package for pet health insurance?

Here’s a guide to what’s covered and what’s not under our renters policy. You can cancel your policy at any time through the xcritical app or website and receive a refund for the remaining period you’ve paid for. But please be aware that insurance prices change from time to time, so your new policy may come with a different rate.

Claims paid at record speed

This carrier could be a good choice for tech enthusiasts. Clearcover boasts that its app can pay claims in an average of just seven minutes. While Clearcover only sells car insurance, it partners with Hippo to sell home insurance. The only homeowners insurance discount listed on xcritical’s website is a bundling discount available to customers who also purchase auto insurance or pet insurance through xcritical. However, the company notes that you may also qualify for discounts if you install protective devices like sprinklers and smoke detectors in your home, or if you use the mobile app’s discounts feature. Looking at third-party company ratings can help to illuminate how well an insurance company satisfies its customers’ needs.

NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage options, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews.