Easy and affordable.
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Review summary
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What people talk about most
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Love this company I been with them for so many years the price are the same if they going to increase the price they will send you a n email and a written letter letting you know why and when the pric... See more
Company replied
Goodcover has been easy and inexpensive rental insurance. I especially love their referral program that gives both the person I refer and myself each a free month.
Company replied
I never had any issues with the company. I am still a customer under a different email address. It was easy to sign up for a policy and make payment on it.
Company replied
Company details
About Goodcover
Written by the company
Goodcover's mission is to build a community of members enjoying financial peace of mind at the lowest possible cost. Our first service is better Renters Insurance designed with members in mind.
For too long, renters insurance has been complicated, expensive, and designed to benefit insurance companies rather than the people they're supposed to protect. Goodcover changes that with a modern, member-first approach that puts your needs at the center of everything we do.
What Makes Us Different
💰
Cooperative Model & Member Dividends
We've adopted a cooperative model that puts Members first. Here's our radical idea: money not needed to pay claims is returned to our Members through our Annual Member Dividend. We believe premiums are for your protection, not to fatten our profit. We pool Members' premiums, take a fixed fee, pay claims, and return the remainder directly to you.
⚡
Digital-First Experience
Get a landlord-approved policy in under a minute with our instant online quote system - no email required. Our streamlined process eliminates the hassle that other insurers put you through. Adjust your coverage anytime, anywhere, instantly in your Member Dashboard. With seamless adjustments, you'll have peace of mind in real time.
🛡️
Better Coverage for Your Stuff
Get worldwide protection for your belongings. Whether your laptop gets stolen in a coffee shop while on a trip or your items are damaged at home, we've got you covered. We offer Replacement Cost coverage, meaning for a covered loss we'll pay for you to buy a new, equivalent replacement - not the depreciated value that some other insurers offer.
Our Services
🏠 Renters Insurance Coverage
Personal Property: Worldwide coverage for your belongings
Liability Protection: Protects you if you get sued for accidental property damage or bodily injury, plus covers legal defense costs
Guest Medical: Coverage for medical expenses if guests are injured in your home
Additional Living Expenses: Temporary housing if your place becomes unlivable
Standard Coverage
Includes standard covered perils
SUPERGOOD Coverage
Optional upgrade that covers accidental damage with zero deductible
✨ Unique Features
👥
One Policy for All Roommates:
If your roommates are on your lease, they're on your policy - no extra steps and no extra cost
⚡
Instant Coverage Adjustments:
Change your coverage instantly through your Member Dashboard
✂️
We'll Cancel Your Old Policy:
We'll do the legwork to cancel your previous insurer so you don't have any gap in coverage
💎
Clear, Honest Pricing:
Straightforward, easy-to-understand coverage and pricing that won't surprise you
Technology & Innovation
🤖
Goodcover Intelligence
We use a combination of AI, augmented intelligence, and good old-fashioned humans to bring renters insurance into the twenty-first century. Our AI models analyze thousands of data points to assess risk and determine the right coverage for each member, allowing us to offer fair and accurate pricing while avoiding biases that can creep into traditional underwriting processes.
👥
Human-in-the-Loop Approach
We believe technology should augment human expertise, not replace it. Our team of experienced insurance professionals works alongside our AI to ensure our members get the best possible service. We're always here to answer your questions and help you navigate the complexities of insurance.
Financial Backing & Stability
🏦
Trusted Capital Partners
Goodcover is proud to partner with leading reinsurers who worked with us on an innovative model to deliver a unique product our Members love. Our reinsurers have more than $20 billion in assets combined, ensuring our Members have access to financial stability in case of large emergencies.
🚀
Backed by Innovative Investors
We're supported by leading venture capital firms and investors who believe in our mission to transform insurance, including Y Combinator, Fuel Capital, and other industry leaders.
Our Approach
💰
Lower Costs for You
We're ruthlessly efficient, eliminating waste that stands between you and affordable peace of mind. You don't pay for expensive agents, celebrity endorsements, or unnecessary overhead - just great coverage at fair prices.
🚀
Modern Insurance for the Modern Era
We're digital-first, easy to understand, and backed by real human support when you need it. Our convenient renters insurance represents the future of protection - simple, transparent, and designed around your needs.
📋 Licensing & Compliance
Goodcover is fully licensed to offer renters insurance across multiple states. We're committed to regulatory compliance and maintaining the highest standards of financial responsibility. We may be a fast-moving startup, but we're not here to break things - we're here to fix an industry that's been broken for too long.
📞 Contact Information
Customer Support:
Available through our Member Dashboard and support center
Available through our Member Dashboard and support center
Email:
hello@goodcover.com
hello@goodcover.com
Help Center:
support.goodcover.com
support.goodcover.com
Ready to experience insurance the way it should be? Get your instant quote and join thousands of members who've discovered that insurance doesn't have to be complicated, expensive, or frustrating.
Contact info
149 New Montgomery Street, 94105, San Francisco, United States
- +1-855-231-4663
- support@goodcover.com
- www.goodcover.com
4.1
Great
93 reviews
Replied to 93% of negative reviews
Typically replies within 1 week
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See how their reviews and ratings are sourced, scored, and moderated.
Reply from Goodcover
Thanks!
We just started with your company and…
We just started with your company and we were pleased. We had a mixup in our apartment numbers and was sent an email the next day. It was taken care of. The experience has been awesome thus far we’ll see how it continues to go but as far as a new customer, we are very pleased.
9 December 2025
Reply from Goodcover
Great to hear! Glad we could help.
I was right in the middle of signing my…
I was right in the middle of signing my lease, when there was an issue with my insurance policy being in place. Thank you!
4 December 2025
Reply from Goodcover
Yup, that's when it's important that it gets done quickly and correctly! Glad we could help. :)
This company is doing a good job.
They are updating everything making it seem very precise and simple to to have renters' insurance.
5 December 2025
Reply from Goodcover
Thanks!
I tried to call and couldn't get a hold…
I tried to call and couldn't get a hold of anyone. Just took me in a big circle.
2 December 2025
Reply from Goodcover
Hi Becky, yes I've looked into your message history, and I totally appreciate it's frustrating playing phone and chat tag! It sounds like our latest message didn't reach you; we'll try again through another medium.
Easy transfers
Easy and straightforward to transfer my policy to a new apartment during my move!
19 November 2025
Reply from Goodcover
Great! Yeah a lot went into the moving tool to make it easy, as it can be some complicated paperwork otherwise.
Reply from Goodcover
Derrall, thanks very much for your feedback - we totally get how premium increases can be very frustrating.
Insurance rates can change for a variety of reasons, including updates from third-party data providers regarding risk assessments, regional trends such as weather or fire risk, inflation in repair and replacement costs, or changes to underwriting guidelines. And in some unfortunate cases - all of those things!
As our carriers are regulated, any rate changes applied are based on filings reviewed and approved by the State. While significant adjustments are uncommon, we are required to use the most current data and risk assessment available to ensure pricing remains fair and accurate across all members.
Always lets us know when are date is…
Always lets us know when are date is due and lets us know
10 November 2025
Reply from Goodcover
Thanks David!
I gave 5 stars when I can speak with…
I gave 5 stars when I can speak with someone even though I was able to do on-line it help me get answers needed.
4 November 2025
Reply from Goodcover
Thanks! Yup, you can ask us what you need any time but you are also right in that most stuff can be done online pretty quickly.
Easy to reach out and submitting new…
Easy to reach out and submitting new information as well.
1 November 2025
Reply from Goodcover
Thanks Barbara!
Goodcover has been easy and inexpensive…
Goodcover has been easy and inexpensive rental insurance. I especially love their referral program that gives both the person I refer and myself each a free month.
3 November 2025
Reply from Goodcover
Thanks Leona!
Reply from Goodcover
Thanks Maureen!
Very good variety
Enjoyed the wide variety of movies. Also the stories are pretty goof.
31 October 2025
Premium payments for Lip Service!
Pseudo Coverage,
You rejected my theft claim (police would not issue a report). Wait for my posts on Google, Yelp, and the Better Business Bureau review boards. Your rear sphincter will feel like it's on fire!
Feel free to contact me at any time.
Truculently,
Mr. Senatore, MSIT
18 March 2025
Reply from Goodcover
Hi Mr. Senatore - I'm sorry you had a bad claims experience - definitely very frustrating! Especially when police won't issue a report for you and it breaks the whole process downstream. Odd! As your adjuster wrote while your claim is closed we'd be happy to reopen it at any time with the documentation, and I see you've contacted the department about it as well. Has there been any response? Happy to continue the conversation privately at claims@goodcover.com
Great service fair price
Have been with Goodcover for a while and am very happy with the service
31 October 2025
Reply from Goodcover
Thanks!
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