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Insurance 101

About Cover

What is Cover?

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Cover is a mobile-first insurance platform. We’re a national brokerage that works with more than 30 insurance companies.

As a brokerage, we’ll search rates provided by our partner carriers to get you the best price for car, home, and renters insurance. Being mobile-first, we’re unlike other brokerages. You can easily get a quote through the Cover app in three minutes, and chat with our advisors through SMS.

We also manage an auto insurance program, Cover Auto, that is currently available to drivers in Texas, where we offer our own policies.

What is Cover Auto?

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Cover Auto is an auto insurance program available in Texas and managed by Cover.

Alongside policies presented by our partner carriers, we offer Cover Auto policies as an additional option for eligible drivers.

The program is backed by multiple reinsurance partners that have over $6 billion in assets to pay claims.

How do I get a Cover Auto policy?

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Cover Auto policies are currently offered to drivers in Texas when it represents the best option for them.

We will be rolling out Cover Auto in additional states in the near future.

Why should I buy a Cover Auto policy?

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Cover Auto gives preferable rates to good drivers with clean driving records. We are comparable to top-tier insurance carriers across the country in the industry.

As a brokerage, we’ll search rates provided by our partner carriers to get you the best price for car, home, and renters insurance. Being mobile-first, we’re unlike other brokerages. You can easily get a quote through the Cover app in three minutes, and chat with our advisors through SMS.

We also manage an auto insurance program, Cover Auto, that is currently available to drivers in Texas, where we offer our own policies.

What types of insurance does Cover offer?

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From our partner carriers, we offer auto, home, and renters insurance. Through our managed insurance program in Texas, we offer auto insurance.

How do I get a quote?

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You can request a quote through the Cover app, which you can download from the iOS App Store and Google Play Store.

For auto insurance, you can also get a quote here on Cover.com.

What happens after I receive my quote?

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A Cover insurance advisor will reach out to you via SMS regarding your quote. At this time, you can ask any questions you have about the deductible or the coverage.

How do I get a policy from Cover?

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Just download Cover to request a quote for your car, home, renters, jewelry or any other property you want to insure.

Can I switch to Cover if I already have insurance?

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Of course! Switching insurance companies is easy and our team advisors can help talk you through it.

Can I insure my business with Cover?

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Yes. We offer commercial property, general liability, errors & omissions (E&O), directors & officers liability (D&O), cyber liability and product liability.

About your policy

What happens if I need to make a claim?

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If you need to make a claim, refer to your policy documents. You can view your carrier contact information there.

For Cover Auto customers, your claims will be handled by Littleton Claims. The contact information will be in your policy documents in the app.

Where can I find my policy documents?

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Once we’ve confirmed payment, Cover’s insurance advisor will email your policy documents to you. If you are a Cover Auto customer, you can access your policy documents and your insurance card on the mobile app.

Why do I need to take photos of my property?

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Taking photos is a requirement for all Cover Auto policies, but with other policies we sell, you can still insure your property without this step. However, sending us photos at the beginning of a policy is very useful. In the event of a claim, it’s helpful for the insurance company to see your property in good condition to sufficiently compensate you for your loss. These photos are especially useful for all the important things in your home.

About referrals

What is Cover’s Referral Program?

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Cover’s Referral Program enables existing Cover customers to reward friends by sending them a referral link. If the referred customer buys an insurance policy through Cover, the existing customer and new customer will both receive $50 Amazon gift cards. $25 if the customer is a resident of Texas.

How does the program work?

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Cover customers are each assigned a unique link, which can be found by signing into the Cover app and visiting the referral page. Simply click “Share my Link” and send to friends via email, text, or social media. If they sign up via your link and make a qualifying purchase, you both earn your reward.

Aside from the $50 gift card reward, customers who refer a new customer who does not file a claim, cancel, or lapse payment within one year of being a Cover customer, are also eligible for a one-time bonus reward of $250.

Please see our Terms & Conditions for more details.

What do my friends need to do?

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For you to qualify for the gift card, your friend has to:

  • Sign up for Cover using your unique link – this is how we’ll know you sent them!
  • Make a qualifying purchase of an insurance policy through Cover.

My referral forgot to use my link. Is there a way to track it back to my account?

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Unfortunately, there isn’t any way for us to track the referral back to your account if they did not use your unique link to register.

When will I receive my gift card?

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Generally, you can expect to receive your referral gift card within 1 day of your referral’s qualifying purchase.

How many friends can I invite?

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The more, the merrier! You can invite as many people you want. However, please note that in order to receive a gift card, referrals must be new to Cover. Additionally, Cover customers are eligible to receive a lifetime maximum of $500 in gift cards total.

What happens if my friend receives multiple referrals?

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If a referred friend receives links from multiple Cover customers, only the corresponding customer to the referral link used by the friend will receive the gift card.

In regards to the one-time payment of $250, each customer can only claim this reward once – for referring a customer who does not file a claim, cancel, or lapse payment within one year of purchase – regardless of how many of their referrals meet this criteria.

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