60s
Average time to bind a policy
100%
AI-powered claims decisions
$0
Agent fees. Now or ever.
Built different
+Traditional insurance is slow, opaque, and built around agents. We replaced all of it.
Instant Bind
Get a policy in under 60 seconds. No paperwork, no agents, no waiting rooms.
AI Claims
File a claim and get a decision in seconds. No adjusters, no delays, no phone calls.
Win What You Cover
Stay claim-free and earn rewards. Discounts, badges, and bonuses stack over time.
Our Belief
How it works
+Three steps. One minute.
Tell us about yourself
Name, email, what you need covered and how much. Takes about 20 seconds — no calls, no agents, no forms in triplicate.
Get an instant quote
Our AI prices your policy in real time using live risk models. No underwriter review, no waiting days for a callback.
Bind and you're covered
One click. Policy issued instantly. Coverage starts the moment you confirm — no waiting for documents in the mail.