Regulated Intermediary A++ (AM Best) Reinsurance Licensed in all 50 states

Modern insurance infrastructure for households

Underwritten by top‑tier partners. Home, Improvement & Medicare with proactive loss prevention, 24/7 claims, and full compliance.

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family under protection shield
core coverage

Risk management built for your life

Specialized protection with loss prevention, compliance & institutional partners.

Home Insurance

Dwelling, liability, fire, theft, plus free annual risk assessment. Replacement cost endorsements available.

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Home Improvement

Contractor default, material damage, renovation warranty extension. Build with confidence.

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Medicare Advantage

$0 preventive, prescription, and chronic care management. Concierge health coordinator.

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Client dashboard

All policies. One platform.

Track claims, message your advisor, update coverage — home, improvement & Medicare together.


Digital access

Real-time updates

55K+

active home policies

98%

claims satisfaction

$0

online service fee

24/7

claims support
simple process

Get covered in three steps

Clear process. No hidden fees.

01

Select service

Choose Home, Improvement, or Medicare. Answer a few quick questions.

02

Customize

Adjust coverage, add riders, or bundle policies.

03

Protect instantly

Digitally sign, receive certificate, file claims from the app.

risk assessment preview

Estimate your coverage needs

An interactive preview of how we evaluate home value, renovation exposure, and family size.

Open estimator →
Estimates are for illustrative purposes. Final underwriting based on detailed assessment.

Current rates protected until December 31, 2026

Enrollment period active

Trusted by families nationwide

Experiences from our members.

“Our home improvement claim was processed in two days. They even covered material damage.”

Linda Chen
Home Improvement

“My parents enrolled in Medicare. Zero copay on generics and preventive care is outstanding.”

Marcus Rivera
Medicare

“Bundling home and improvement saved us 20%. The app shows everything — even my deductible.”

Sophie Turner
Home & Improvement
global underwriting & security

Institutional‑grade backing

Our capacity is provided by leading global carriers. Reinsurance secured by A++ rated partners ensures stability.

  • Capacity: Lloyd's of London, Swiss Re, Berkshire Hathaway
  • ISO 27001 certified security
  • 50‑state admitted carrier network
global underwriting partners
policy benefits

Coverage that goes further

Every policy includes services beyond the contract.

Free annual home risk assessment (remote or in-person)
Family health coordinator for Medicare members
Improvement warranty extension up to 3 years
EraQuotes care team
common questions

Straight answers

Lloyd's of London, Swiss Re, and Berkshire Hathaway – all A++ or A+ by AM Best.

Most Medicare plans approved within 2 hours, digital cards immediately.

We serve US customers (50 states) and have international claims support for travelers.

Speak with a licensed advisor

Our team is available 24/7. No obligations.

Request a quote

We'll respond with a tailored plan within one business day.