Trusted Resource Underwriters Exchange (TRUE)
Offering homeowners insurance for residents of Florida and Texas.*
Protecting your home, securing your peace of mind.
Insurance that's built for you.
At TRUE, we’re all about protecting what matters most to you.
Our focus is on providing straightforward, reliable coverage tailored to your specific needs. The right insurance policy can provide peace of mind by ensuring your home and belongings are protected.
Our experienced agents take a consultative approach, working closely with you to assess your unique needs and recommend the best coverage options. By understanding your situation and priorities, they ensure you’re fully protected with a policy that truly fits. With a commitment to transparency and a member-driven approach, we’re here to help you navigate the unexpected and provide the security you can count on.
Policy Features
Dwelling Coverage
Provides protection for your home’s structure, including the roof, walls, and foundation, against covered damages.
Liability Coverage
Provides financial protection for property damage, medical expenses, and legal fees if you’re responsible for an accident that injures someone or damages their property, whether at home or elsewhere.
Protection for Your Belongings
Covers damage to items like furniture, appliances, electronics, and other valuables.
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24/7 Claims Support
Access our dedicated team any time for efficient claims processing.
Customizable Coverage
Customize your policy to align with your unique needs, budget, and comfort level with self-insurance, ensuring the right balance of coverage and personal responsibility.
Discount Opportunities
Benefit from various discounts that not only lower your premiums but also reward you for taking steps to protect your property and enhance safety.
With flexible options and personalized support, we’ll help you stay prepared for whatever comes your way.
What It Means to Be a Member of TRUE..
A reciprocal exchange is like a community for insurance. Unlike traditional insurers owned by profit-driven shareholders, it’s owned by you and your fellow policyholders. Members pool resources to support one another when life’s unexpected events, like storms or accidents, occur.
Without shareholders, there’s no pressure to prioritize profits. The focus is entirely on you and the member community. At TRUE (Trusted Resource Underwriters Exchange), operations are managed by Trusted Resource Underwriters, LLC, based in Delaware. We handle the details so you can trust your coverage is in good hands.
In short, it’s insurance designed for you, powered by members and focused on protecting your home and peace of mind.
Founded in 2020
Providing financial protection homeowner packages to thousands of members.
Member Centric Strategy
TRUE is organized as a reciprocal exchange; our members (policyholders) own the company.
Healthy Financial Outlook
Financial strength and security confirmed with an A rating from Demotech.
Admitted Carrier
Our rates, product, and underwriting guidelines must be approved by the state(s) we operate in before offering them in the market.
Claims Settled Your Way
When total losses occur, our members can choose between rebuilding or a cash settlement. Subject to policy terms and conditions.
Your Needs Are Unique
We pride ourselves in offering optional coverages to provide the right protection for you. Need help choosing? Select one of our packages for the most popular coverages at discounted rates.
Protecting your home, securing your peace of mind. We safeguard what matters most.