# Disaster coverage, paid on the trigger
> Sure disaster coverage is a fixed-benefit policy for homeowners and renters. When a qualifying storm hits, the benefit lands in days, with no adjuster and no scope-of-loss negotiation. Five tiers from $5k to $25k, sold alongside a regular homeowners or renters policy.
Canonical URL: https://www.sureapp.com/products/disaster
Product slug: disaster
Category: Insurance products
## Disaster coverage, licensed in 45 states

One product, one filing per jurisdiction, one set of rates the regulator has seen. Six states are not yet licensed. The grid shows where the program writes today.
Filing coverage: 45 / 51. States where this disaster coverage is licensed and binding today.

Forms on file:
- RC-PDI-05 (live, v25.1) — Disaster · $5,000 benefit tier
- RC-PDI-10 (live, v25.1) — Disaster · $10,000 benefit tier
- RC-PDI-15 (live, v25.1) — Disaster · $15,000 benefit tier
- RC-PDI-20 (live, v25.1) — Disaster · $20,000 benefit tier
- RC-PDI-25 (live, v25.1) — Disaster · $25,000 benefit tier
- RC-PDI-DISC (live, v25.1) — Trigger disclosure

## How benefit tiers and triggers work together

The policy pays a pre-set dollar amount when a qualifying disaster event trips the trigger. No adjuster visit. No depreciation math. The benefit is for the first-week costs a family runs into after a storm: a hotel, a rental car, clothes, food, deposits on a new place.
### Benefit tiers and trigger — Core
- Tier · small: $5,000 (Lowest-premium tier)
- Tier · standard: $10,000 (Most-chosen tier)
- Tier · upgraded: $15,000 (For higher cost of living)
- Tier · high: $20,000 (Covers longer displacement)
- Tier · maximum: $25,000 (Highest available benefit)
- Deductible: $0 (None on this product)
### Who can buy it, how it's billed — Included
- Homeowners: Eligible (Owner-occupied residences)
- Renters: Eligible (Tenants with a lease)
- Primary residence: Eligible (The home you live in)
- Secondary or vacation home: Eligible (A second address you own)
- Billing: Both (Monthly or full-term)
- Works alongside: Supplement (Homeowners or renters policy)

_Coverages, rates, and limits vary by state._

## What the policyholder lives in

When a hurricane spins up or a wildfire jumps the ridge, the partner's app is what the policyholder opens at 3am. Not a call center, not a hold queue. Sure powers the entire experience, from first bind to claim payouts.
### Self-service that your team doesn't have to staff
Storm watch, post-event FNOL, and mid-term endorsements all run inside the partner's app. Claims AI picks up the loss notice the moment it lands.
- First-notice-of-loss for storm, flood, fire, and wildfire damage routed straight to Claims AI
- Pre-storm storm watch with a readiness checklist tied to the policy address
- Mid-term endorsements to raise wind, flood, or wildfire limits before the season opens
- Service handoffs to live agents stay inside the partner's brand

## Add disaster cover to your book

Learn more about how your disaster coverage program can go live in weeks, not months. Built for brands and carriers ready to ship.
Primary action: Talk to Sure