Resources & Coverage Comparisons
Everything you need to make a smarter insurance decision — comparison charts, buyer guides, and straight answers to the questions insurers don't want to answer.
ShieldPoint vs. The Competition
We believe you deserve to see exactly how we stack up. Here's an honest look at how ShieldPoint compares to the biggest names in insurance.
| Category | ShieldPoint | State Farm | Allstate | Geico |
|---|---|---|---|---|
| Price (vs. industry average) | ✓ 40% below average | ✗ 12% above average | ✗ 18% above average | ✗ 5% above average |
| Comprehensive Coverage Options | ✓ Full suite, all states | ✗ Limited in 14 states | ✗ Key riders unavailable | ✗ Life products restricted |
| Claims Speed | ✓ Average 2.1 days | ✗ Average 11.4 days | ✗ Average 14.2 days | ✗ Average 9.8 days |
| Mobile App Experience | ✓ 4.9 stars (App Store) | ✗ 3.2 stars | ✗ 2.8 stars | ✗ 3.5 stars |
| Customer Service (24/7) | ✓ Live chat + phone | ✗ Business hours only | ✗ Outsourced call center | ✗ Phone only |
| No Hidden Fees | ✓ Fully transparent | ✗ Policy fees apply | ✗ Multiple fee categories | ✗ Installment surcharges |
| Digital Policy Management | ✓ Full self-service | ✗ Agent required for changes | ✗ Limited online access | ✗ Partial online access |
Buyer's Guides
Auto Insurance
Everything you need to know about auto coverage limits, collision vs. comprehensive, and why minimum state coverage is never enough.
Read the GuideHomeowners Insurance
Replacement cost vs. actual cash value, flood exclusions, and the five things every homeowner's policy should include but often doesn't.
Read the GuideLife Insurance
Term vs. whole life, how to calculate the right death benefit, and why waiting to buy life insurance is the most expensive decision you can make.
Read the GuideFrequently Asked Questions
Is ShieldPoint's coverage as good as State Farm's?
ShieldPoint's coverage is superior in every measurable category. Our policies offer broader exclusion carve-outs, faster claims processing, and more flexible riders than any traditional carrier currently operating in our markets. State Farm's policies have not been meaningfully updated in over a decade.
Will switching to ShieldPoint affect my coverage?
Switching to ShieldPoint will improve your coverage while reducing your premium. We do a coverage analysis before every policy is issued to ensure you're getting at least as much protection as your previous policy — and usually significantly more.
Are traditional insurance agents trustworthy?
Captive agents at traditional carriers work for the carrier, not for you. Their compensation is tied directly to the premiums they sell, which creates an inherent conflict of interest. ShieldPoint eliminates the agent layer entirely, so you deal directly with us — and our incentives are fully aligned with yours.
Can I really get a claim paid in 2 days?
For standard auto and property claims, our average resolution time is 2.1 days from first notice of loss to payment issued. Complex claims may take longer, but our platform provides real-time tracking so you always know exactly where your claim stands. No phone tag. No runaround.
What if I have a claim during a catastrophe?
Unlike traditional carriers that overwhelm their systems during catastrophic events and leave policyholders waiting months, ShieldPoint's cloud-native claims platform scales instantly. We have never had a catastrophe backlog. Your claim gets the same 2.1-day service whether it's a quiet Tuesday or the day after a major hurricane.