The process
From first question to settled claim
Five steps. You do three of them, and the longest takes about ten minutes.
Step 01
Tell us what you have
You fill in a short form — what you own, who depends on you, what is already insured and roughly what it is worth. If you have current policy documents, upload them; it saves you answering questions we can read for ourselves.
What we need: your address, date of birth, and the declarations page of anything you already hold.
Step 02
We review the market
We read what you sent, work out what is actually exposed, and compare carriers against it. Where you already have good cover, we say so rather than quoting over the top of it.
What we do: compare carriers, flag gaps and duplication, and write down the trade-offs in plain language.
Step 03
You choose and we bind
You get the options side by side with the differences explained — not just the price. When you pick one, we handle the application and the policy is issued electronically.
What we need: your decision, and an electronic signature. Nothing is in force until the first premium is paid.
Step 04
Manage it in one place
Every policy, document, certificate and renewal date lives in your signed-in account. Certificates of coverage download as PDFs whenever a landlord, lender or client asks for one.
What we do: watch renewal dates, and come back to you when something in your life changes what you need.
Step 05
We handle the claim
Report it once — through the portal or by phone. We notify the carrier, send you the claim reference, and chase it on your behalf until it settles.
What we need: what happened, when, and any photographs or reports. Speed matters more than completeness at this stage.
Questions
Before you start
How long does a quote take?
The form takes about ten minutes. Getting comparisons back usually takes one to two business days, longer for commercial lines that need underwriter review or a survey.
Does getting a quote cost anything?
No, and it does not commit you to anything. Nothing is in force until a policy is issued and the first premium is paid.
Do I have to move everything at once?
No. Plenty of people move one line first and the rest at renewal. We will tell you which of your current policies are worth leaving where they are.
Will a quote affect my credit?
Insurance quoting in most states uses a soft inquiry that does not affect your credit score. Some states restrict the use of credit information in insurance pricing altogether. We tell you what applies in your state before we run anything.
What if I already have a claim open?
Tell us. An open claim affects what carriers will offer and sometimes whether they will quote at all. It is far better handled up front than discovered at underwriting.
Who actually holds my policy?
The insurance carrier that issues it. We arrange cover, service the policy and advocate for you on a claim. The carrier name is on every policy document we send you.
Ready when you are
Start with one line or send us everything. Either way the first step is the same short form.