Frequently Asked Questions

 
 

What is Cover? [+]

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


How do I get Cover? [+]

Cover is available only on iOS - Android is coming soon.


How can I contact Cover? [+]

You can message us in app or drop us a line at hello@usecover.com.


How do I get a policy with Cover? [+]

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


Who is insuring my property? [+]

Cover is directly appointed with over 40 insurance carriers across the USA and Canada. We are effectively your insurance broker and trusted advisor. We represent you the customer.


What does my policy cover? [+]

Head on over to the My Policies section of your app to see a complete breakdown of your coverages. It’s also advised you read your policy under the Fine Print tab.


What policies does Cover offer? [+]

We can insure any kind of personal property. We also can help with commercial as well


Can I switch to Cover if I already have
insurance? [+]

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.


Why do I need to take photos of my property? [+]

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 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.


How do I file a claim? [+]

You can file a claim either in app or on our site. We’ll get started on your claim immediately.


How do I get paid for a claim? [+]

After your claim has been approved we’ll issue payment, minus the amount of the deductible, either directly into your account or Paypal.


Why do I need 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.


What is a deductible? [+]

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.


What are perils? [+]

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


What is liability insurance? [+]

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.


How can I get cheaper insurance? [+]

Depending on the policy there are a variety of factors that contribute to your premium amount per year. An insurance advisor 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.

 
 

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