Affordable
Get a $5,000 cash benefit for as low as $11/month, with coverage options up to $25,000.
Lightning Fast Recovery Cash
When disaster strikes, Recoop® helps you bounce back from the fallout faster. Get protected with multi-peril disaster insurance for your home to claim your cash payout when Mother Nature takes an unexpected turn.
When Coverage Falls Short, Disaster Insurance Steps Up
Most home insurance policies explicitly exclude protection for certain disasters. Even if an event is covered, claiming your payout can be a long and drawn out process. Not on our watch! Recoop Disaster Insurance® fills the gaps in your coverage to expedite relief so you are not left out to dry following a catastrophic event.
Simple
Meet three clear requirements to qualify for coverage and submit claims in minutes.
Fast
Receive your cash payout as a direct deposit within 48 hours after your claim is approved.
Flexible
Use your cash as you see fit with no restrictions reining you in or dictating how you recover.
Are You At Risk Without Multi-Peril Insurance?
All Disasters
In the last five years, 4 in 5 counties in the United States have faced disaster. The Midwest's Tornado Alley and the West Coast's major fault lines are just two examples of regions facing heightened risk, with many counties vulnerable to multiple threats. No matter where you live, disaster risk is real. Get peace of mind with our multi-peril policies that supplement your home insurance and deliver relief in days.
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Source: fema.gov | noaa.gov
Natural disasters are on the rise
80%
of U.S. counties have experienced a national disaster in the last five years.
Most homes are underinsured by as much as
20%
30%
of your home's value could be your deductible.
Recoop Disaster Insurance fills holes in homeowners and renters policies that otherwise leave you out of money and out of luck.
Faster, Stronger Coverage With Supplemental Home Insurance
Recoop is redefining disaster insurance, working alongside traditional home insurance to provide faster financial support after qualifying natural disasters. See how our approach differs from traditional coverage and where added protection can make a difference.
How Long Is The Typical Wait Time For Benefits?30+ Days2 Days*
Get cash relief fast in the aftermath, typically taking no more than two days to receive your benefit with a streamlined claims and approval process. That means money for your hotel stay, food, quick fixes and other necessities to alleviate your immediate financial burden.
Do I Have To Pay A Deductible Before I Get My Benefits?YesNope
Recoop's lightning fast recovery cash is payable in a fixed amount of your choice, meaning there is no deductible you have to meet before benefits kick in.
Do I Have To Go Through Underwriting Before I Get A Quote?YesNope
Unlike your home insurance, Recoop does not evaluate individual property damage. If you are in a qualifying disaster area, we can ensure you are paid in a matter of days.
Do I Have To Wait For An Insurance Adjuster To Show Up?YesNope
Recoop rarely requires an insurance adjuster so long as your claim application confirms you are in a designated disaster area and provides photos of property damage.
Do I Have To Use Benefits For Home Repairs?YesNope
Your disaster relief payout is yours to spend freely as you see fit, no need to designate funds toward repairs or provide proof of spending.
No deductibles. No loopholes. No gotchas.
Just really fast recovery cash up to $25,000.
Get a quoteGuardian Independent Operators Association and Recoop are working together to help customers understand where a homeowners or renters policy may leave gaps after a covered disaster. Product availability and pricing vary by state and will be confirmed at the time of enrollment.