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Insurance 101

Insurance answers you never knew you needed.

Common Questions

Cover is a mobile first insurance brokerage. From cars, drones, and houses to comic book collections and even your beloved cat Steven. Take a photo and we’ll get you covered.

Cover is available for free download on the iOS app store and Google Play store store.

You can contact a Cover agent in-app by clicking on the ‘Messages’ tab. Click ‘Message an agent’ to start the conversation.

For general inquiries, please fill out the form on our Contact Us page or drop us a line at [email protected]

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

Cover is a facilitator for purchasing insurance, meaning we represent you the customer, not the insurance company.

Cover is directly appointed with the top insurance carriers across the USA. We are effectively your insurance broker and trusted advisor. We represent you, the customer.

Your policy coverages depend on the property you are insuring and the type of policy you buy. Our expert agents will be there with you the entire way recommending the right policy for your needs.

We can insure anything from personal to commercial policies. Including but not limited to auto, homeowners, renters, personal articles floater, jewelry, pet, travellers, workers compensation, and commercial insurance.

What we offer

Of course! Keep your existing carrier and rate but get all the benefits of the Cover app and expert team. All we need is your current policy and we’ll take care of the rest - including getting your outstanding balance returned to your bank account.

You can still insure your property without taking photos. However, taking 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.

All claims must be completed through your insurance provider. Your carrier contact information and your policy details will be sent via email at the beginning of your policy term.

If you do have any issue contacting your carrier, feel free to contact us for support.

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

Shopping for insurance is a tedious process. Share your existing policy with Cover and we will regularly check for lower prices. When we’ve found one we’ll let you know. This is a completely free service and no change will be made to your existing coverages.

All about insurance

Accidents happen. It’s important to protect yourself, your family, and your property from costly losses. Buying insurance passes the risk (and the worry!) over to the insurance company for a yearly fee - which is the premium.

An insurance broker works for you rather than an insurance company. Brokers have an extensive amount of professional knowledge and experience when it comes to helping you assess and determine your insurance needs. They help you compare coverages and prices from different insurers to get you the best rates and conditions.

A deductible is a set amount of a claim you must pay first before your insurance takes over and pays the rest. For example, you're in an accident and it will cost $10,000 to repair your car. Thankfully you have insurance with a $500 deductible. If you decide to claim the damage you would pay the first $500 and the insurance would pay the remaining $9,500. FYI the higher the deductible the lower your yearly premium and vice versa.

A peril, as referred to in an insurance policy, is a cause of loss, such as fire or theft.

You made a wrong turn and hit another car. It was your fault and now the other person has medical bills which you are responsible to pay. Liability insurance covers the loss or damage to other persons and their property where you are found at fault.

Depending on the policy there are a variety of factors that contribute to your premium amount per year. Our insurance advisors would be happy to go more in depth with the specific policy you are looking at. You can also sign up for price alerts through Cover. Give us your policy and we’ll rerun your numbers automatically to make sure you’re getting the best price and coverage at all times. By the way we offer this service completely free of charge.

How can you get a Cover $50 gift card?

Why does Cover give out $50 gift cards?

The reason why we give out $50 gift cards is because we want to encourage everyone to be more proactive about their insurance rates. We are all guilty of not taking sufficient time to compare prices and policy benefits. At Cover, our mission is to make finding the right rate for you easier, by taking care of all the hard stuff and in the process making it more fun by adding an awesome reward.

Who is eligible for the Cover gift card promotion?

You are eligible if Cover cannot find you a lower premium for the same level of coverage as your current policy. In addition, to be able to claim the gift card you and all drivers on your current policy must:

If you live in the qualifying region California:

  • Have a spotless driving record: no accidents or violations in the past 3 years.
  • Have a valid license and have been continuously licensed to drive a motor vehicle for 3 years with the prior 18 months in the U.S.
  • Have had no major violations in the past 10 years
  • Have not claimed a gift card from Cover
  • Are not a current Cover customer

If you live in the qualifying region Texas, you have to follow all of the above requirements AND:

  • Have at least 6 months of continuous prior insurance with the same provider.
  • Have no claims on your driving record.
  • Over 22 years of age.

How can you claim your gift card?


  1. Mention the promotion to one of our agents.
  2. Text us your current insurance declaration pages.
  3. After we validate your current policy for accidents, violations, good driver discounts and other drivers/vehicles in 1-2 business days, we’ll send the gift card to your email!

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Didn’t find the answer you were looking for? Our in house support staff are here to help!

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