Hi! How can we help?
Who is Young Alfred?
Young Alfred’s mission is to protect your home and family. We know buying insurance is confusing, so we created an insurance expert to serve as your independent advisor when evaluating coverage. He is here to help you purchase insurance policies online that are customized to your needs. Everyone has unique requirements based on where they live and what they own.Young Alfred gives you data and transparency so you can make educated decisions when comparing quotes and purchasing coverage. It's time to welcome Young Alfred into the family.
Pricing and Policies
Does getting a quote cost me anything?
No! They are 100% free. We will only ask for payment information once you are ready to purchase a policy.
How accurate are your quotes?
Very accurate! In most cases the original quote is the premium you end up paying. This is because we are getting rates directly from our carrier partners, and not using third party quote estimators.
Does your quote include the filing fee for an SR22?
Young Alfred quotes exclude SR22 filing fees, though the filing generally costs $20-$25. You can get a final rate with all fees included from our licensed insurance representatives.
Do you charge a broker fee?
Does getting a quote affect my credit score (FICO score)?
No. In most cases, carriers will access your credit score to make a quote, though they do this using a “soft inquiry”. This does not have an impact on your credit or FICO score because you are not applying for financing.
What type of discounts are available?
Our carriers offer hundreds of unique discounts including the smart home discount, paid in full discount, roof update discount, HVAC update discount, electrical update discount, plumbing update discount, new home build discount, hip roof discount, good credit discount, no claim history discount, wind mitigation discount, hail resistant roofing discount, multi-policy discount, multi-car discount, multi-driver discount, new car discount, mature driver discount, safe driver discount, higher education discount, distant student discount, driver improvement discount, continuous coverage discount, paperless discount, military discount, retiree discount, escrow bill discount, and many others.
Do I get discounts for buying more than one policy from Young Alfred?
In most cases, you will receive a discount if you purchase two or more policies from the same carrier. Note that sometimes the combined costs of getting an auto policy from one carrier and a homeowners policy from a different carrier may be cheaper than purchasing both from the same carrier. Young Alfred will help you find the best package combination.
Does Young Alfred service the policy as well?
Yes, the Young Alfred world-class service carries beyond purchase, we will always be here to address your needs or concerns as you grow.
About Young Alfred
Is Young Alfred an insurance provider?
No, Young Alfred is an independent insurance agency. We shop with many high-quality insurance carriers. Our standard market insurance partners must maintain strong A.M. Best or Demotech ratings, which are the leading full-service credit rating agencies for the insurance industry.
How is Young Alfred different from other online insurance comparison sites?
Young Alfred cares about you. Young Alfred has suffered through the worst experiences of loss in the insurance industry and knows what happens when people buy coverage that doesn’t fit them. When it comes to your home and family, we believe you should have far better information than what exists elsewhere online. We built Young Alfred to be 10x smarter, stronger, and more helpful than any other insurance service. We give you all the information you need to make an educated decision, and let you choose. We do not agree with pushy sales tactics or annoying phone calls. We use technology to save you time and money. We have direct relationships with our insurance providers, so when we send a quote, you can move directly to purchase, rather than just receive “an estimated quote and a phone call.” Most insurance comparison sites online provide fake quotes - they make money by selling your information. They aren't authorized to sell policies, so they just pass you off to someone else, increasing the hassle for you. At Young Alfred, we know you deserve so much more!
We also offer two features that are brand new to the industry and proprietary to Young Alfred:
- Alfred's Mind: based on the information you tell us, we analyze over 1.0 billion data points to identify the risk levels of certain events, such as Flood, Earthquake, Hurricane, Theft, Mold, Tornado, Wind, Hail, Rain, Snow, Fire, and Freezing to help you make educated coverage choices. Further, by providing us a more detailed profile of your assets and activities, we identify areas where you should consider modifying your coverage to fill gaps. For example, if you own a $7,000 engagement ring, we let you know that your regular homeowners policy will only cover $2,500 for lost or stolen jewelry items, so you may want to expand your coverage.
- No Spam, No Phone Calls, No Selling Customer Information. All three of these requirements seem to be in the best interest of the customer. At Young Alfred, we think it is rather obvious, but we still haven’t found anyone that does it quite like us. We know our customers appreciate it, and we will continue serving them!
How does Young Alfred make money?
Young Alfred receives commissions from our carrier partners. Young Alfred is very committed to providing you the best service and making sure we find a policy that gives you the best protection for your insurance budget.
What lines of insurance do you offer?
We offer many personal property and casualty lines of insurance, including:
- Homeowners Insurance
- Auto Insurance
- Flood Insurance
- Rental Home/Landlord Insurance
- Townhome Insurance
- Condo Insurance
- Renters Insurance
- Umbrella Insurance (personal liability)
- Earthquake Insurance
- Vacant Home Insurance
- Personal Articles Policies (e.g., scheduled jewelry coverage)
- Mobile Home Insurance
- Motorcycle Insurance
- RV/Trailer Insurance
- Boat/Watercraft Insurance
Do you offer insurance in my state?
Yes! Young Alfred is licensed to sell insurance in all 50 US states + Washington DC.
Privacy & Security
Does Young Alfred sell my information to other companies?
What security measures do you use to protect my information?