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.
- Benefit amount$15,000
- TierStandard (T3)
- TriggerNWS / FEMA
- Deductible$0
- Payout window≤ 14 days
- Tier upgrade (T4)+$8/mo
- Multi-peril riderOn
- Secondary residenceEligible
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.
States where this disaster coverage is licensed and binding today.
How benefit tiers and triggerswork together 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 · smallLowest-premium tier$5,000
- Tier · standardMost-chosen tier$10,000
- Tier · upgradedFor higher cost of living$15,000
- Tier · highCovers longer displacement$20,000
- Tier · maximumHighest available benefit$25,000
- DeductibleNone on this product$0
Who can buy it, how it's billed
Included- HomeownersOwner-occupied residencesEligible
- RentersTenants with a leaseEligible
- Primary residenceThe home you live inEligible
- Secondary or vacation homeA second address you ownEligible
- BillingMonthly or full-termBoth
- Works alongsideHomeowners or renters policySupplement
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'thave to staff 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
Active- Download policy documentsDeclarations, named-peril schedule
- Update policyDeductibles, named perils, coverage limits
- View payment detailsCard on file, billing history, autopay
- View benefitsCovered perils, sublimits, deductibles
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.