Frequently Asked Questions

We provide our best responses to your most burning questions.
about us

What makes you different to other agencies?

That’s simple. HoneyQuote is on a mission to change the way homeowners and renters purchase insurance. We’re dedicated to providing you a seamless shopping experience, one without the current hassles and complexities of the industry. We want to empower Floridians to take better control of their insurance. We give you the educational resources and tools so that you can be knowledgeable about insurance and decide on a policy by yourself. Not the insurer. Not the agent. Just you.

How does HoneyQuote make money?

HoneyQuote makes a profit in the same way as the typical insurance agency – through a commission. Once you purchase your perfect policy, our carrier partners pay us a percentage of the transaction. In other words, there are no extra charges for you to use HoneyQuote when shopping for insurance.

What does HoneyQuote do with my personal information?

Your personal information is safe with us, we guarantee it. We are not like the many fake comparison sites out there which claim to provide real quotes. Many of these sites offer soft estimates, which can be far from accurate rates. They are also known as “lead generators,” which means they sell your information to hundreds of other agents who will then bombard you with phone calls and emails. HoneyQuote is not like them. We are a true insurance agency dedicated to our own customers. We will never ever ever sell your personal information.


What is home insurance?

Home insurance is intended to protect you from financial burden that may result after a detrimental event occurs at your home, such as a fire or break-in. It’s an insurance policy that covers your home, other structures, certain possessions and liability. It can extend to cover your household members.

What is a deductible?

A deductible is the part of an insurance claim to be paid by you, the insured. When a disaster strikes your home and you file a claim for a certain amount, the deductible will be subtracted from your claim and your insurer will pay the difference. For example, if your policy states a $500 deductible, and your insurer has determined that you have an insured loss worth $10,000, you would receive a claims check for $9,500. The amount of the deductible is agreed upon before your purchase your insurance policy. Check out this article for information on the different types of deductibles in Florida:

What is typically covered in a standard policy?

A typical homeowners insurance policy is often broken down into six different parts or coverages. These are dwelling coverage, other structures, personal property coverage, loss of use coverage, personal liability coverage, and medical payments coverage. For a detailed breakdown of what each of these coverages mean and protect, check out this article here: Our insurers offer extra coverages beyond these, which you can easily add to your policy with a click of a button. We’ll even show you how much each add-on costs.

How do you calculate my premium?

HoneyQuote is able to calculate your premium by using proprietary technology. We’ve built our own powerful rating engine that is able to give you accurate quotes from the top Florida carriers. You can watch in real-time as your quotes are being calculated while you answer each question in the application. Thanks to our technology, you can be sure that the quotes you see on HoneyQuote are accurate, and not estimates. In other words, we won’t surprise you at check-out with any added fees.

our service

How long does the process take?

HoneyQuote makes it easy to get quotes, compare them and purchase a policy, all 100 percent online. Our mission is to provide you with a healthy policy that has adequate coverage and an affordable rate. To do so, we take the time to get to know you and your home. This way, we can apply well-deserved discounts that lower your premium without having to sacrifice your coverage. The process – from start to finish – is intuitive, guided and will not take you more than 15 minutes to complete.

What if I don’t know the answers to the questions?

If you’re not quite sure about the answer to a specific question on HoneyQuote, there are many ways you can still purchase your perfect policy. You can choose the “best guess” answer, which is what our technology recommends according to our data resources. You can also use the “help section” to read more about the question and understand where to find your answer. Moreover, you can chat online to one of our in-house licensed agents, who are always on standby and ready to help you with any issues. Finally, you may choose the “I don’t know” option. This will tell our technology to tap into our data resources and find the most likely answer. Don’t worry if you don’t know. We’re here to help.

Do you sell renters insurance?

We sure do. At HoneyQuote, you can purchase homeowners, condo, renters insurance, and landlord insurance. All you have to do is select the “I rent my home” option and answer a few questions. Our technology will do the rest.

My current policy doesn’t expire yet. Can I still switch?

Definitely. Switching insurers is possible and can be done at any time, meaning you don’t have to wait until your current policy ends. Typically, an insurance company will refund you for the remaining months on your policy should you choose to switch to a new provider. Read more about how to switch here:

Find the right coverage

One size doesn’t fit all. With us, you can choose the level of coverage that best matches your needs.