Shopping for home insurance
Coverage that fits your home and your budget.
TRUE is a member-owned homeowners insurance company with real people ready to help. See why homeowners choose TRUE.
Offering homeowners insurance for residents of Arizona, Florida, Georgia, Ohio, South Carolina, & Texas.
Why TRUE
Insurance that puts members first.
Here’s what you can count on when you choose TRUE. Select a card to learn more.
Financial strength you can count on
Confirmed with an A rating from Demotech.
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Demotech 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
Owned by our members
TRUE is owned by the people it protects.
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As a reciprocal exchange, our members pool their resources to support one another when storms, accidents, and other unexpected events happen. With no shareholders expecting a profit, the focus stays on straightforward, reliable coverage.
Real people, ready to help
Talk with our team by phone or email.
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Our experienced agents take a consultative approach, working with you to understand your needs and recommend coverage that fits. Call (833) 854-1203 or email memberservice@trueins.com.
Claims help, 24/7
Report a claim any time, day or night.
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Once your claim is submitted, a claims specialist will guide you through the next steps. Members can call the same 24/7 line to check on an existing claim.
Claims settled your way
Rebuild or take a cash settlement after a total loss.
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When a total loss occurs, members can choose between rebuilding their home or receiving a cash settlement.Subject to policy terms and conditions.
Coverage built around you
Choose the optional coverages that fit.
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Add the optional coverages you need, like extra protection for valuables, or choose a package that bundles the most popular ones at a discounted rate. Discounts reward steps you take to protect your home.
Approved by your state
Our rates and products are state approved.
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As an admitted carrier, TRUE’s rates, products, and underwriting guidelines must be approved by each state we operate in before we can offer them.
Easy online access
Manage your policy online, anytime.
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Once you’re a member, the Member Portal lets you view your policy documents, make secure payments, and update your payment and contact information.
Talk with a real person.
Have questions before you buy? Our team will walk you through coverage, options, and next steps.
And once you’re a member, Claims Support is here for you 24/7.
How it works
Getting covered is simple.
Tell us about your home
Share a few details about your property and what you want to protect.
Choose your coverage
Work with an experienced agent on the coverages, limits, and discounts that fit you.
Become a member
Once your policy is in place, you’re a member of TRUE, and we’ll help you get set up.
Common questions
Questions shoppers ask us.
What is a reciprocal exchange?
A reciprocal exchange is an insurance company owned by its policyholder-members, who pool their money together to spread risk. There are no shareholders. The exchange is managed by an attorney-in-fact, which for TRUE is Trusted Resource Underwriters, LLC.
Can I talk with someone before I buy?
Yes. Call us at (833) 854-1203 or email memberservice@trueins.com. A real person on our team will help you with coverage questions, options, and next steps.
Where is TRUE available?
TRUE offers homeowners insurance for residents of Arizona, Florida, Georgia, Ohio, South Carolina, and Texas. In Arizona, policies are only available through select agents.
How much homeowners insurance do I need?
Make sure your policy covers the full cost of rebuilding your home at current construction rates. Coverage for your belongings is typically set as a percentage of your dwelling coverage, but you can customize it. Liability protection helps safeguard you if someone is injured on your property.
Does TRUE provide a replacement cost estimate?
No. The property owner and mortgage lender are in the best position to evaluate the value of the property. We recommend having it appraised by a licensed appraiser so your coverage limits are, and remain, adequate.
Do I need homeowners insurance if I don’t have a mortgage?
It isn’t required by law or a lender, but it’s highly recommended. Without it, you’d be responsible for repair or replacement costs if your home is damaged.
More answers on our Helpful resources & FAQs page.
Thank you for considering TRUE.
We’d be glad to protect your home. Questions anytime? We’re happy to help.