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Founders
Home Insurance

Smart Score

78

Industry Average: 75

Smart Score

78
/100

Industry Average: 75

Customer Service

7.7
/10

Industry Average: 7.7

Claims Process

8
/10

Industry Average: 8

Value for Price

7.8
/10

Industry Average: 7

Founders Overview

Founders Insurance offers a wide range of insurance options for price-conscious consumers. The company focuses primarily on the non-standard market, offering coverage for drivers who struggle deemed ineligible for a policy from a standard insurance company. Founders' auto and homeowners insurance options provide a fair amount of coverage, but the insurance company also offers less traditional coverage types, including liquor liability insurance.

Lines of Business:

Founders Ratings Breakdown

Smart Score

84

Founders: 84
Industry Average: 75
Founders: 84
Industry Average: 75

Why our Smart Score matters

Founders’s Smart Score of 84 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Founders’s overall quality compared to other home insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 84, Founders rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing home insurance options.

Customer Service

8.8

Founders: 8.8
Industry Average: 7.7
Founders: 8.8
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Founders’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Founders’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Founders’s service score of 8.8, they have a solid rating compared to similar home insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

8.8

Founders: 8.8
Industry Average: 8
Founders: 8.8
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Founders. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Founders handles it.


Founders’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Founders.


What does this mean for you?

Evident from a claims score of 8.8, Founders has an outstanding rating compared to the average claim score of 8 for similar home insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

7.6

Founders: 7.6
Industry Average: 7
Founders: 7.6
Industry Average: 7

Founders’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Founders comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Founders’s value for price score of 7.6 is excellent compared to the average of 7 from other home insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

Founders Home Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints Founders has than average. With an index of 0 Founders is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Founders has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Founders has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0 Founders is better than average.

Auto complaints by year (normalized against company size)

Customer Reviews

Founders doesn't have reviews yet.

Carrier Doesn't have availability in any state

Founders Home Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Founders has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionWhat it meansDiscount Data

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