TRUE Property Insurance
Trusted Resource Underwriters Exchange (TRUE)
Protecting your home, securing your peace of mind.
A-rated carrierAvailable in Arizona, Florida, Georgia, Ohio, South Carolina & Texas
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About TRUE
Homeowners insurance with a member-first foundation
A carrier built around financial protection, accountability, and service.
Healthy Financial Outlook
Financial strength and security confirmed with an A rating from Demotech.
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Healthy Financial Outlook
Financial strength and security confirmed with an A rating from Demotech.
Learn moreShow lessDemotech is an independent firm that rates the financial stability of insurance companies. An A rating means Demotech considers TRUE’s financial stability exceptional, including the ability to withstand an economic downturn. Learn about Demotech ratings
Admitted Carrier
Our rates, product, and underwriting guidelines must be approved by the state(s) we operate in before offering them in the market.
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Admitted Carrier
Our rates, product, and underwriting guidelines must be approved by the state(s) we operate in before offering them in the market.
Learn moreShow lessRegulators in each state review TRUE’s rates, products, and underwriting guidelines before TRUE can offer them to homeowners.
Member Centric Strategy
TRUE is organized as a reciprocal exchange; our members (policyholders) own the company.
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Member Centric Strategy
TRUE is organized as a reciprocal exchange; our members (policyholders) own the company.
Learn moreShow lessMembers pool their resources to support one another when storms, accidents, and other unexpected events happen. With no shareholders to answer to, the focus stays on you.
Real People, Ready to Help
Questions about coverage, documents, or payments? Talk with our team by phone or email.
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Real People, Ready to Help
Questions about coverage, documents, or payments? Talk with our team by phone or email.
Learn moreShow lessCall Member Services at (833) 854-1203 or email memberservice@trueins.com. Our experienced agents take a consultative approach, working with you to understand your needs and recommend coverage that fits.
Founded in 2020
Providing financial protection homeowner packages to thousands of members.
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Founded in 2020
Providing financial protection homeowner packages to thousands of members.
Learn moreShow lessTRUE, the Trusted Resource Underwriters Exchange, is a Florida domiciled reciprocal insurer offering homeowners insurance in Arizona, Florida, Georgia, Ohio, South Carolina, and Texas.
Claims Settled Your Way
When total losses occur, our members can choose between rebuilding or a cash settlement.Subject to policy terms and conditions.
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Claims Settled Your Way
When total losses occur, our members can choose between rebuilding or a cash settlement.Subject to policy terms and conditions.
Learn moreShow lessIf your home is a total loss, you choose what’s right for you: rebuild, or receive a cash settlement. Claims Support is available 24/7 at (833) 414-8783.
How TRUE works
Insurance that’s built for you, and owned by you.
TRUE is a reciprocal exchange: a homeowners insurance company owned by the people it protects.
Most insurance companies are owned by shareholders who expect a profit. TRUE works differently. When you get a policy, you become a member, and our members (policyholders) own the company together. Members pool their resources to support one another when storms, accidents, and other unexpected events happen.
With no shareholders to answer to, our focus stays on you: straightforward, reliable coverage that protects your home and belongings.
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Our experienced agents take a consultative approach. They work closely with you to understand your needs and priorities, then recommend coverage that truly fits. With a commitment to transparency, we’re here to help you navigate the unexpected.
Every reciprocal exchange has a manager that runs its day-to-day operations. For TRUE (Trusted Resource Underwriters Exchange), that’s Trusted Resource Underwriters, LLC. They 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.
Need something else?
Answers and support, without the search.
