Your premium is based on a few key factors: the amount of coverage you select, the level of risk associated with what you are insuring (e.g., your driving history, home's age, or health profile), and your deductible amount. Choosing a higher deductible typically lowers your monthly premium, as you take on more risk before the insurance pays out.

You can typically file a claim directly through our website, mobile app, or by calling our 24/7 claims line. To speed up the process, you should immediately gather photos of the damage, police reports (if applicable), and detailed receipts or records of the items involved.

Your premium is the recurring amount you pay (usually monthly or annually) to keep your insurance policy active. Your deductible is the amount you agree to pay out-of-pocket before your insurance coverage starts paying for a covered claim.