Filing a claim shouldn't feel like a fight.
When something goes wrong, you get a real person, a clear next step, and money in your account fast. Here's exactly how it works — no surprises.
of claims are fully paid within 7 days of approval.
The rest usually just need one more document — we tell you exactly which one.
Four steps, start to paid
- 1
Tell us what happened
Start online or by phone in a few minutes. Snap photos if you have them — plain questions, no jargon.
- 2
Meet your claims guide
One named person owns your claim end to end. You'll have their direct line — no call center roulette.
- 3
We review, plainly
We explain what's covered and what isn't in plain words, and tell you the amount before you accept.
- 4
Get paid
Money lands in your bank account, usually within a week of approval. That's the whole process.
What helps us pay you faster
None of this is required, but having it ready shaves days off your claim.
- Photos of the damage, taken as soon as it's safe
- A rough list of what was lost or damaged
- Any receipts or a police report, if there is one
Honest answers about claims
One claim usually won't. If your renewal price ever changes, we tell you exactly why in plain language — no silent hikes.
We explain the reason in writing, point to the exact policy line, and walk you through appealing it. You always get a person, not a form letter.
Yes — a live status page shows exactly which step you're on and what's next, updated in real time.
Not covered yet? It takes about 4 minutes.
Get a plain-language quote and know exactly what you're protected against.