Cover, by Cover Insurance
Insurance that takes about three minutes.
Renters, homeowners, and pets. Real prices on the next screen, not after a phone call. Cancel any month. We pay the claim or we tell you why.
What we cover
Three policies. The math fits on a page.
We sell renters, homeowners, and pet insurance. We do not sell auto, life, umbrella, or anything we are not as good at as the specialists. We will tell you who is when you ask.
from $14/mo
Renters
If your apartment burns, floods, or gets broken into, your stuff is covered. So is the hotel you'll need to stay in while the kitchen ceiling dries. Most renters are insured for less than a streaming bundle and find out only after the fact.
Quote rentersfrom $89/mo
Homeowners
The policy your mortgage requires, written without the phrase 'peace of mind' once. We pay for the roof, the pipes, the countertops, and the displacement when something goes sideways. We don't pay for normal wear, and we tell you that on this page.
Quote homeownersfrom $22/mo
Pets
Vet bills are the reason 60% of pet owners go into debt at least once. Cover Pets reimburses the unexpected ones (the swallowed sock, the surgery, the chronic condition) at the percentage you choose, paid back in days, not weeks.
Quote pets
How it works
Four steps. Two of them are us, not you.
Answer six questions
Where you live, what you're covering, when you want it to start. Eight to ninety seconds, depending on how fast you type.
See the price
Not an estimate. Not 'starting from.' The actual monthly price, with the deductible options laid out, before we ask for an email.
Sign up if it's right
Pay monthly or annually. Card, bank, Apple Pay. Coverage starts the next day, or whenever you pick.
We'll be there if it goes wrong
File a claim from the app or by talking to a real person. Most claims are decided in under 48 hours. The honest ones, anyway.
Renters, line by line
Plain language. What's in. What's not.
The renters policy is the one most people buy first, usually because a landlord asks for it. Below is what it covers and what it doesn't, written the way we'd write it to a friend.
| Covered | Not covered |
|---|---|
| Theft of personal belongings, on or off the property | Theft of cash above the policy's $200 sublimit |
| Fire, smoke, water damage from burst pipes | Flood from a rising body of water (separate flood policy required) |
| Liability if a guest is injured in your apartment | Injury to a member of your own household |
| Hotel and meal costs if your unit is uninhabitable | Damage caused by a roommate or anyone living with you |
| Electronics, including the laptop in your bag at a coffee shop | Anything used primarily for business income (separate rider available) |
Standard policy limits: $30,000 personal property, $100,000 personal liability, $2,500 in additional living expenses. Configurable upward in the quote flow.
A claim, in the customer's words
The pipe burst at 2 a.m. on a Tuesday.
I was renting an apartment in Oakland and the unit upstairs had a pipe go through the night. My ceiling came down at 2 a.m. on a Tuesday and I lost a desktop computer, two monitors, a wedding album that was sitting on the bookshelf, and most of my wardrobe. I filed a claim from my phone in the hallway, on speakerphone with the building manager.
I had a Cover adjuster on the phone in fifteen minutes. They put me up at a hotel for nine nights while the unit dried. They paid the personal property claim in three business days. The wedding album they could not replace, but they covered the cost of a digital archive specialist who restored what was salvageable. I never expected the last part. I had not asked.
Pricing, with the math shown
The Renters policy at $14/mo, written out.
$14.00 / month
$0.46 / day
Premium varies by ZIP, building type, and the coverage limits you choose. The $14 price is the median for a one-bedroom rental in our top ten metros at the standard $30,000 / $100,000 limits. Yours will be displayed before we ask for any identifying information.
There is no application fee. There is no broker commission inside the price. We are paid by the policy, not by quoting you.
Quote in three minutes
Tell us your ZIP and we'll start.
We will not call. We will not sell your email. We will only ask for what we need to give you the price.
Where we operate
Licensed in 36 states. Adding three a year.
Insurance is regulated state by state. We file rates with each insurance commissioner before we sell a policy there. Below is where we are now. If your state isn't listed, leave us your email and we'll write when we file.
- West
- California, Oregon, Washington, Nevada, Arizona, Colorado, Utah, Idaho
- Midwest
- Illinois, Ohio, Michigan, Minnesota, Wisconsin, Missouri, Indiana
- South
- Texas, Florida, Georgia, North Carolina, Tennessee, Virginia
- Northeast
- New York, New Jersey, Pennsylvania, Massachusetts, Connecticut, Maryland
Cover Insurance Services LLC, NPN 19082. Underwritten by Sutterline Mutual (a fictitious reinsurer for showcase purposes). Policy forms available on request and on every state's insurance department website.