Home
Buildings, contents, and temporary living costs.
From $14/mo Underwritten since 1972
Insurance that holds its line.
Home, auto, business, and group health cover from a mutual built to pay claims, not to please shareholders.
- MutualOwned by policyholders
- 2.4MPolicies in force
- 97%Claims paid first time
Coverage
Pick what you need to insure.
Personal and business cover under one roof. Quote in two minutes, claim from any device.
Home insurance
Buildings, contents, and temporary living costs.
$14/mo
Auto insurance
Comprehensive, third-party, and roadside assistance.
$22/mo
Travel insurance
Single-trip, multi-trip, and long-stay cover.
$8/trip
Commercial property
Buildings, contents, and business interruption.
$120/mo
General liability
Public, product, and employer liability.
$48/mo
Commercial fleet
Comprehensive cover for vehicles and drivers.
$340/mo
Group health
Group medical cover for employees and dependants.
$28/employee/mo
How it works
How a claim becomes a payout.
Five steps, usually inside ten business days. No phone trees, no surprise paperwork.
- Step 1
You file a claim
Online through the customer portal, by phone with the claims hotline, or through your broker. The first notice of loss takes about four minutes.
- Step 2
An adjuster takes it
Within one business day an adjuster is assigned. They confirm coverage, schedule a survey if needed, and tell you what to expect next.
- Step 3
We assess the loss
The adjuster reviews the damage, gathers documents, and recommends a settlement. Most claims are settled without an on-site survey.
- Step 4
We pay the claim
Once you accept the settlement, payment is released to your bank account. Most payments arrive within two business days of acceptance.
- Step 5
You move on
If anything goes wrong, your adjuster is one call away. If that does not resolve it, you can escalate to your state insurance regulator or the independent ombudsman.
See the full claims process
Resources
Plain-English guides, no jargon.
Short reads that help you choose cover, file a claim, and understand what you are buying.
Claims
How to claim on your policy
What to do in the first 24 hours after a loss, and what to expect from the adjuster.
PersonalUnderstanding deductibles
How a higher deductible lowers your premium and changes your risk.
BusinessBusiness interruption explained
What business interruption cover pays for, and what it does not.
Underwritten since 1972
Insurance that holds its line.
Home, auto, business, and group health cover from a mutual built to pay claims, not to please shareholders.
- MutualOwned by policyholders
- 2.4MPolicies in force
- 97%Claims paid first time
Indicators · 2025
Claims we paid.
Figures for 2025, shown by product line and reserve ratio. Illustrative figures, not actual claims paid by any insurer.
Claims paid by product line
Table view
| Product line | Claims paid | Avg days to pay |
|---|---|---|
| Home | 18,420 | 9 |
| Auto | 24,150 | 6 |
| Travel | 3,120 | 4 |
| Commercial property | 4,280 | 14 |
| General liability | 1,820 | 18 |
| Commercial fleet | 6,740 | 7 |
| Group health | 39,800 | 5 |
Reserve ratio over time
Table view
| Year | Reserve ratio (%) |
|---|---|
| 2019 | 218% |
| 2020 | 224% |
| 2021 | 231% |
| 2022 | 227% |
| 2023 | 235% |
| 2024 | 242% |
| 2025 | 248% |
What makes up a premium
Stacked bar showing how each factor contributes to a premium
- Cover amount: 38%
- Risk profile: 24%
- Deductible credit: 18%
- Location: 12%
- Claims history: 8%
Table view
| Factor | Weight |
|---|---|
| Cover amount | 38% |
| Risk profile | 24% |
| Deductible credit | 18% |
| Location | 12% |
| Claims history | 8% |
Coverage
Pick what you need to insure.
Personal and business cover under one roof.
Home insurance
Buildings, contents, and temporary living costs.
$14/mo
Auto insurance
Comprehensive, third-party, and roadside assistance.
$22/mo
Travel insurance
Single-trip, multi-trip, and long-stay cover.
$8/trip
Commercial property
Buildings, contents, and business interruption.
$120/mo
General liability
Public, product, and employer liability.
$48/mo
Commercial fleet
Comprehensive cover for vehicles and drivers.
$340/mo
Group health
Group medical cover for employees and dependants.
$28/employee/mo
Underwritten since 1972
Insurance that holds its line.
Home, auto, business, and group health cover from a mutual built to pay claims, not to please shareholders.
- MutualOwned by policyholders
- 2.4MPolicies in force
- 97%Claims paid first time
How it works
How a claim becomes a payout.
Five steps, usually inside ten business days. No phone trees, no surprise paperwork.
- Step 1
You file a claim
Online through the customer portal, by phone with the claims hotline, or through your broker. The first notice of loss takes about four minutes.
- Step 2
An adjuster takes it
Within one business day an adjuster is assigned. They confirm coverage, schedule a survey if needed, and tell you what to expect next.
- Step 3
We assess the loss
The adjuster reviews the damage, gathers documents, and recommends a settlement. Most claims are settled without an on-site survey.
- Step 4
We pay the claim
Once you accept the settlement, payment is released to your bank account. Most payments arrive within two business days of acceptance.
- Step 5
You move on
If anything goes wrong, your adjuster is one call away. If that does not resolve it, you can escalate to your state insurance regulator or the independent ombudsman.
See the full claims process
Coverage
Pick what you need to insure.
Home insurance
Buildings, contents, and temporary living costs.
$14/mo
Auto insurance
Comprehensive, third-party, and roadside assistance.
$22/mo
Travel insurance
Single-trip, multi-trip, and long-stay cover.
$8/trip
Commercial property
Buildings, contents, and business interruption.
$120/mo
General liability
Public, product, and employer liability.
$48/mo
Commercial fleet
Comprehensive cover for vehicles and drivers.
$340/mo
Group health
Group medical cover for employees and dependants.
$28/employee/mo