Common questions, answered.

Yes. PolicyPocket is a licensed New Jersey insurance agency. Your policy is issued by a top carrier such as Progressive, Travelers or Mercury, and a licensed agent reviews it before it's official.

Yes. You never pay us anything, and we add nothing to your price. The rate you see is the insurance company's own rate. The carrier pays us for placing your policy, as it does with every agent.

We're the agency: we compare carriers, set up your policy and look after it. The insurance company issues the policy and pays claims.

Andy is our AI assistant. He walks you through your quote, explains coverage in plain language and answers questions at any hour. He doesn't replace your agent. A licensed agent reviews every policy.

Yes. During agent hours, 8 AM to 8 PM Eastern, Monday to Saturday, ask in the chat and a licensed agent joins the same conversation.

English, Español and Português. Andy answers in the language you choose and explains your quotes and coverage in it. Your carrier's official documents usually arrive in English, and Andy can explain those too.

Auto, home, condo, renters and landlord insurance. Landlord policies cover rental properties with one to four units.

Right now we insure New Jersey residents.

No. We're the agency, not a lead seller. Your quotes appear in your account, and your information is never sold to anyone.

Very little. Connect your current insurer and we fill in your cars and drivers for you to confirm. If you don't have one, your driver's license and vehicle details are enough. For a home, we ask a few questions about the property.

Quotes come back in about a minute, and you can be covered in as little as 15 minutes. Your ID cards are in the app within 5 minutes of your policy being issued.

No. Insurers use a soft inquiry for quotes, which doesn't affect your score.

It's how your quotes stay private. They appear in your account, not in anyone's call list.

Each insurance company weighs your driving record, your car and where you live differently, so the same coverage can cost very different amounts. That's the reason to compare.

It can. A quote is based on what you tell us. Before your policy is issued, the carrier checks your driving and claims history and confirms the final price, and you see it before you pay.

If you connect your current insurer, Andy can show how your quotes compare with what you pay now. Without it, we have nothing to compare against.

That's your decision, and we won't push you toward one. Andy explains what each level pays for and what happens when costs go beyond it.

Yes. Quote both in the same chat. Many carriers lower the price when both policies are with them.

No. Keep it until your new policy starts so you're never without coverage. Once the new one is active, you cancel the old one with your previous insurer, who will usually refund any unused premium.

In most cases, yes. We work with carriers that insure a wide range of drivers, including those with tickets, accidents or a gap in coverage.

By bank account or card, in the app. You choose monthly payments or paying in full when you pick your quote. If your home insurance is paid through your mortgage, we bill your mortgage company.

On the start date you pick, once your policy has been issued. It can be the same day when you finish during agent hours.

You can get quotes at any hour. Policies are issued while agents are on, 8 AM to 8 PM Eastern, Monday to Saturday. If you finish later, we complete yours the next business day. You aren't covered until it's issued.

Your ID cards are in the app within 5 minutes of your policy being issued. If a lender, landlord, dealership or condo association needs proof, ask us and we send it to them directly.

Yes. Get your quotes on your phone while you're there. Once your policy is issued, your ID cards are in the app within 5 minutes, so you have proof of insurance before you drive away.

Ask in the app. Tell Andy what you need, such as adding a car, adding a driver or changing your address, and a licensed agent makes the change.

In the app. ID cards arrive within 5 minutes, and your other policy documents follow within 24 hours.

In the app. You pay there, and we process the payment with your insurance company for you. Pay at least one business day before your due date.

Yes. Ask in the app and a licensed agent sets it up with your insurance company.

When your renewal comes in, we check your rate against our other carriers. If there's a better price for the same coverage, you'll see it in the app before you pay more. Switching is always your choice.

Ask in the app and a licensed agent handles it with your insurance company.

No, we never sell it. We share your details only as needed to quote and service your insurance, which includes sending them to the insurance companies quoting you.

Yes. Every connection between you, us and our carriers is encrypted, and we only collect what we need to quote and service your policy.

You sign in to your insurance company through our secure partner, and we receive your policy details: your cars, drivers and coverage. We never store your password. It saves you typing and lets us compare the same coverage. It's optional, but we recommend it.

Not yet. Right now we cover cars, trucks and SUVs.

No. Flood damage needs a separate policy. The same is true for renters, condo and landlord policies.

Yes. Tell us your closing date when you start. Once your policy is issued, we send proof of insurance to your lender on request. On a new purchase, lenders require the first year to be paid in full.

Their policy covers the building. Your belongings, and any damage or injury you're responsible for, are only covered by a policy of your own. Condo owners usually need coverage for the inside of their unit as well.

Rental properties with one to four units, including multi-family homes where the owner lives in one unit. We don't cover short-term or vacation rentals.

Yes. Dealerships get a free partner portal to start referrals and track every deal in real time, with no setup fee. See the Dealerships page to sign up.

A free tool for landlords who require renters insurance. It invites your tenants, tracks who's covered and shows you when a policy is about to lapse. It's opening in early access for properties in New Jersey. See the For Landlords page to sign up.

Yes. There's no fee to set up or use the portal, and no paid version.

No. A tenant with a policy elsewhere creates a free account, then links their insurance company or uploads their policy, and they'll show as covered.

With one text and one reminder a week later. If a tenant opts out of texts, you can share their link yourself.

Their coverage status, the insurance company, the policy dates and proof. Their quotes, payments and everything unrelated to the lease requirement stay private.

The status changes to expiring and then lapsed, so you know who to follow up with. We also prompt the tenant to renew or update their proof.