We fixed insurance. You’re welcome.
Insurance wasn’t built for the way we live now — so we rebuilt it.Raincoat is smart, simple home insurance for people who want a streamlined, online experience.No agents. No forms. No fluff. Just proactive coverage you can actually understand and control — 100% online.
Get my quote
Rewriting the Insurance Playbook
Leveraging AI-powered software to reimagine and optimize the entire home insurance experience.
Get covered in under 10 minutes — no paperwork, no pressure.
Step 1: Tell us about yourself
- Raincoat’s smart software asks the right questions up front — collecting exactly what insurers need to know about you and your home.
- No fax machines. No broker callbacks. No nonsense.
Step 2: Click. Customize. Covered.
- Choose your coverage, tweak what you want, and lock it in.
- Need help? Our licensed humans are here — but only if you ask.
- No upselling. No back-and-forth. No phone tag.
Step 3: Sit back. We’ve got you.
- Over 30 days before your renewal, Raincoat scans the market again.If your price jumps? We re-shop and alert you.
- We protect your home — and your wallet — without chasing your broker
Knows more than your broker. Cares more than your broker.
Raincoat replaces the classic:
You
Hey, is my home insurance renewal next week?
Broker
Oh yeah… just checked. Bad news — your premium’s going up 14%.
You
Wait, what!?
Instead of reactive brokers and late surprises, we built AI-driven software that’s always on — tracking your policy, re-shopping well before it expires, and nudging you when there’s a better deal.
Same licensed coverage. Same protection.Just smarter, faster, and finally working in your favor - not theirs.
We fixed insurance. You’re welcome.
Insurance wasn’t built for the way we live now — so we rebuilt it.Raincoat is smart, simple home insurance for people who want a streamlined, online experience.No agents. No forms. No fluff. Just proactive coverage you can actually understand and control — 100% online.
Get my quote
Rewriting the Insurance Playbook
Leveraging AI-powered software to reimagine and optimize the entire home insurance experience.
Get covered in under 10 minutes — no paperwork, no pressure.
Step 1: Tell us about yourself
- Raincoat’s smart software asks the right questions up front — collecting exactly what insurers need to know about you and your home.
- No fax machines. No broker callbacks. No nonsense.
Step 2: Click. Customize. Covered.
- Choose your coverage, tweak what you want, and lock it in.
- Need help? Our licensed humans are here — but only if you ask.
- No upselling. No back-and-forth. No phone tag.
Step 3: Sit back. We’ve got you.
- Over 30 days before your renewal, Raincoat scans the market again.If your price jumps? We re-shop and alert you.
- We protect your home — and your wallet — without chasing your broker
Knows more than your broker. Cares more than your broker.
Raincoat replaces the classic:
You
Hey, is my home insurance renewal next week?
Broker
Oh yeah… just checked. Bad news — your premium’s going up 14%.
You
Wait, what!?
Instead of reactive brokers and late surprises, we built AI-driven software that’s always on — tracking your policy, re-shopping well before it expires, and nudging you when there’s a better deal.
Same licensed coverage. Same protection.Just smarter, faster, and finally working in your favor - not theirs.
We fixed insurance. You’re welcome.
Insurance wasn’t built for the way we live now — so we rebuilt it.Raincoat is smart, simple home insurance for people who want a streamlined, online experience.No agents. No forms. No fluff. Just proactive coverage you can actually understand and control — 100% online.
Get my quote
Rewriting the Insurance Playbook
Leveraging AI-powered software to reimagine and optimize the entire home insurance experience.
Get covered in under 10 minutes — no paperwork, no pressure.
Step 1: Tell us about yourself
- Raincoat’s smart software asks the right questions up front — collecting exactly what insurers need to know about you and your home.
- No fax machines. No broker callbacks. No nonsense.
Step 2: Click. Customize. Covered.
- Choose your coverage, tweak what you want, and lock it in.
- Need help? Our licensed humans are here — but only if you ask.
- No upselling. No back-and-forth. No phone tag.
Step 3: Sit back. We’ve got you.
- Over 30 days before your renewal, Raincoat scans the market again.If your price jumps? We re-shop and alert you.
- We protect your home — and your wallet — without chasing your broker
Knows more than your broker. Cares more than your broker.
Raincoat replaces the classic:
You
Hey, is my home insurance renewal next week?
Broker
Oh yeah… just checked. Bad news — your premium’s going up 14%.
You
Wait, what!?
Instead of reactive brokers and late surprises, we built AI-driven software that’s always on — tracking your policy, re-shopping well before it expires, and nudging you when there’s a better deal.
Same licensed coverage. Same protection.Just smarter, faster, and finally working in your favor - not theirs.