Is it legit? — every check we have published

A magnifying glass over documents — reading the fine print

“Is it legit?” is the question people type when a purchase is expensive and the seller is unfamiliar. Each check below runs our published 5-point evidence checklist — registration and identity, pricing transparency, complaint patterns, refund and cancellation terms, and independent evidence — and prints the verdict with its date and sources. A verdict changes only when the evidence changes, never because a company asked.

Auto

Is State Farm legit?

Verdict: Legit

The largest U.S. auto insurer — mutual, agent-led, founded 1922 in Bloomington, IL.

Read the full State Farm profile

Auto

Is Progressive legit?

Verdict: Legit

The #2 U.S. auto insurer — direct plus independent agents; Snapshot telematics.

Read the full Progressive profile

Auto

Is GEICO legit?

Verdict: Legit

The #3 U.S. auto insurer — Berkshire Hathaway-owned, direct-only, HQ Bethesda, MD.

Read the full GEICO profile

Auto

Is Allstate legit?

Verdict: Legit

The #4 U.S. auto insurer — agent-led bundling, founded 1931 inside Sears.

Read the full Allstate profile

Auto

Is USAA legit?

Verdict: Legit

Member-owned and military-only — the #5 U.S. auto insurer.

Read the full USAA profile

Auto

Is Liberty Mutual legit?

Verdict: Legit

Mutual holding company founded 1912 in Boston; independent agents and Safeco.

Read the full Liberty Mutual profile

Life

Is Ethos legit?

Verdict: Legit

Online term platform (not a carrier) — partner-carrier policies, no exam for most applicants.

Read the full Ethos profile

Life

Is New York Life legit?

Verdict: Legit

The largest U.S. mutual life insurer — agent-led, chartered 1841.

Read the full New York Life profile

Life

Is Northwestern Mutual legit?

Verdict: Legit

Mutual life giant — advisor-only sales, dividends paid since 1872.

Read the full Northwestern Mutual profile

Life

Is MassMutual legit?

Verdict: Legit

Mutual life insurer founded 1851 — advisor-led (its Haven Life direct brand closed in 2024).

Read the full MassMutual profile

Life

Is Guardian Life legit?

Verdict: Legit

Mutual life insurer founded 1860 — also a major individual disability writer.

Read the full Guardian Life profile

Home

Is Amica legit?

Verdict: Legit

Mutual and direct-only; #1 homeowners ranking in the J.D. Power 2026 study.

Read the full Amica profile

Renters

Is Lemonade legit?

Verdict: Legit

Digital-first carrier; Demotech A (Exceptional); the Giveback model.

Read the full Lemonade profile

Pet

Is Trupanion legit?

Verdict: Legit

One plan: 90% reimbursement, no caps, per-condition deductible; self-underwritten.

Read the full Trupanion profile

Pet

Is Healthy Paws legit?

Verdict: Legit

A Chubb Company — one bare-bones plan, annual deductible, no caps.

Read the full Healthy Paws profile

Pet

Is Spot Pet Insurance legit?

Verdict: Legit

Customisable plans on the Crum & Forster platform, founded 2019.

Read the full Spot Pet Insurance profile

Pet

Is Embrace legit?

Verdict: Legit

Diminishing deductible and exam fees covered; American Modern underwriting.

Read the full Embrace profile

Pet

Is ASPCA Pet Health Insurance legit?

Verdict: Legit

A licensed brand (royalty, not a donation) run by Crum & Forster.

Read the full ASPCA Pet Health Insurance profile

Travel

Is Squaremouth legit?

Verdict: Legit

Comparison marketplace since 2003 — filed prices, 20+ insurers on one shelf.

Read the full Squaremouth profile

Travel

Is InsureMyTrip legit?

Verdict: Legit

Comparison marketplace since 2000; acquired by Ignyte in September 2026.

Read the full InsureMyTrip profile

Travel

Is Allianz Travel legit?

Verdict: Legit

Allianz Partners’ U.S. brand — OneTrip tiers plus annual AllTrips plans.

Read the full Allianz Travel profile

Travel

Is Travel Guard legit?

Verdict: Legit

Zurich-owned since December 2024 (ex-AIG); tiered direct plans.

Read the full Travel Guard profile

Travel

Is World Nomads legit?

Verdict: Legit

Adventure-travel brand; IMG-owned since February 2026; U.S. underwriter Nationwide.

Read the full World Nomads profile

What “Legit” means here

Legit means the company is who it says it is: licensed, identifiable, and corroborated by independent evidence. It does not mean cheapest, best, or right for you — the profile linked from each check covers fit, and the methodology page shows exactly how each point is scored.