Easy and affordable.
Company replied
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Review summary
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What people talk about most
Reviews shaping this summary
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.
I really enjoyed goodcover renters…
I really enjoyed goodcover renters insurance until they moved the prices around .Now I only have about less than a year to find another insurance place. Im really9
8 October 2025
Reply from Goodcover
Hi Jennifer - unfortunately yes prices have had to move around to make sure there's enough money to pay everyone's claims - its been a tough few years with fires, inflation and freezes. Let us know how we can help at support@goodcover.com
Great company
Updat d from the company are informative and I just have never had any problems with the xlcompany
3 September 2025
Reply from Goodcover
Thanks Tina!
Goodcover ease of use
My experience has been positive to update payment method. I've always been able to navigate to the place I need to go. The website is very efficient and easy to use.
12 September 2025
Reply from Goodcover
Thanks! Glad you're finding it easy to use.
I don’t have an experience of any disaster. But I’m glad I have GoodCover in case I do. This is my second time to have GoodCover. And feel relaxed to have them by my side. Thank you Goodcover
Just to know I have coverage that is like my Auto ins. They will be there if I. Need.
25 September 2025
Reply from Goodcover
Thanks for the review!
I have been with Good cover several…
I have been with Good cover several years now and there have been no problems. It's so easy to renew my coverage and having my payment removed from bank account ever month is the easiest way to go.thank you
25 September 2025
Reply from Goodcover
Thanks for the review! Glad things are easy, we spend a lot of time and brain-cycles trying to work out how to make insurance as simple and painless as possible.
Thank YouLoved your service and appreciate the…
Loved your service and appreciate the efforts.
25 September 2025
Reply from Goodcover
Thanks for the review!
Reply from Goodcover
Thanks for the review!
I have not use the insurance as of yet…
I have not use the insurance as of yet but my premium did increase a lot!
25 September 2025
Reply from Goodcover
Hi Timothy, thanks for the review!
We completely understand how frustrating it can be to see an increase in your premium, and hopefully we can provide more context.
Insurance rates can change for a variety of reasons. These may include 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.
As with all state regulated insurance, any rate changes we apply are based on carrier filings reviewed and approved by the State. While significant adjustments are uncommon, we are required to use the most current data available to ensure pricing remains fair and accurate across all members.
And sometimes that's a big jump! So, apologies you had to experience that.
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