Each provider receives a score from 1 to 5 in five categories. The weighted average is the overall score shown on our pages.
| Category | Weight | What we look at |
|---|---|---|
| Coverage breadth & add-ons | 25% | Items covered in base plans, number and range of add-ons, per-item caps |
| Pricing & fee flexibility | 25% | Monthly cost, service-fee options, multi-year and annual discounts |
| Claims experience & support | 20% | Claim channels (24/7, app, chat), workmanship guarantee, third-party ratings |
| Contract clarity | 15% | How clearly exclusions, maintenance requirements and replacement terms are written |
| Availability | 15% | Number of states served |
Sources
We use providers' published plan pages and sample contracts, public pricing (which varies by ZIP code), and third-party ratings such as Google, Trustpilot, ConsumerAffairs and the Better Business Bureau. Pricing on this site was last checked in October 2026.
Limits
Prices, fees and terms change frequently and vary by location. Always confirm details in the provider's sample contract for your state before buying.