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Zestly

Forget everything you know about insurance

Instant everything. Incredible prices. Big heart.

Check our Prices

Takes about 90 seconds. No calls, no paperwork.

As seen in

  • The Ledger
  • NORTHBEAM
  • Citywire
  • MODERN MONEY
  • TECHNIQUE
  • The Broadsheet

Incredible prices. Pay monthly. Bundle discounts.

Amazing savings when you bundle — add a second policy and watch the total go down, not up.

Illustrative starting prices for a portfolio build. Your real premium would depend on where you live, what you’re covering, and your claims history.

The (almost) 5‑star insurance company

4.9 in the App Store, across tens of thousands of reviews.

Rating and reviews below are illustrative placeholders for this build.

Maya Okonkwo@mayabuildsit
Filed a claim for a stolen bike at 11pm. The money landed before I finished making tea. I genuinely said “what” out loud.
Devin Ruiz@dev_ruiz
Signed up during an ad break and had a policy before the game came back on. My old insurer needed a notarized letter to change my address.
Priya Raman@priyawrites
Zestly asked me eight questions. My last insurer asked forty and then called me twice. Guess which one I kept.
Theo Lindqvist@theolq
Got the Giveback email showing exactly where my leftover premium went. First time an insurance company has made me feel like a person.
Camille Boyer@camboyer
My cat ate a hair tie. Again. Claim approved from the vet parking lot before I'd even paid the bill.
Marcus Hale@marcus_hale
Bundled renters and car and my total went DOWN. I read the number three times before I believed it.
Aisha Thornton@aishathornton
The app told me what wasn't covered before I bought, in plain English. Nobody does that. I trusted them immediately.
Jonah Weiss@jonahweiss
Switched in the time it took my landlord to answer an email. Sent one screenshot, done, and cheaper than before.

Instant everything

Zestly’s AI builds your policy while you answer a handful of questions in plain English — no forms, no hold music, no broker in the middle. When something goes wrong, the same system reviews your claim, runs the fraud checks, and pays out. Most of the time nobody has to pick up a phone.

Getting covered

90sec

As little as ninety seconds from first tap to an active policy in your pocket.

Getting paid

3sec

Our record for reviewing, approving, and paying a claim end to end — no human touched it.

Timings are illustrative placeholders for this build. Complex claims still get a human, and always will.

Already insured? We’ll help you switch.

Tell us who covers you now and we’ll handle the cancellation paperwork, time the changeover so you’re never uncovered, and chase your old insurer for the refund.

Check prices and switch

How Zestly works

Most insurers keep whatever they don’t pay out, which means every claim they deny is money in their pocket. We took that incentive off the table. Zestly keeps a flat fee, sets the rest aside for claims, and hands the leftovers to causes our customers choose through Giveback. We don’t profit from saying no.

How Giveback works
  • 25%

    A flat fee to run everything

    We take a fixed cut for salaries, servers, and keeping the lights on. It never grows just because you didn't claim.

  • 60%

    We pay claims, fast

    The bulk of your premium is set aside to pay claims — yours and everyone else's in your group. Turning you down never makes us richer.

  • 15%

    Giveback to causes you pick

    Good luck and good behavior leave money unspent at the end of the year. It goes to the cause you chose when you signed up — not to us.

Zestly is a fictional brand built as a portfolio piece. The split above is illustrative and not an offer, quote, or guarantee of coverage. In a real program the annual Giveback amount would depend on claims paid across your group, reinsurance costs, and applicable state regulation, and unclaimed premium would not be refundable to you individually.

Designed for social impact

A certified B Corp, held to public standards on how we treat customers, staff, and the planet.

NYSE: ZSTY

Publicly traded, which means our numbers are audited and open for anyone to read.

A-rated and backed by giants

Our claims are reinsured by some of the largest names in the business, so the money is there when you need it.