Frequently Asked Questions

TRUE provides homeowners insurance for primary residences, offering coverage for your home, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable.

What’s Not Covered?
We don’t currently offer condo insurance (HO-6), short-term rental coverage, or flood insurance. Certain restrictions apply to homes near coastal waters or with outdated systems.

For more details, contact us or consult your agent.

A reciprocal insurance company is an unincorporated association owned by its policyholder-members who exchange insurance policies to spread risk by pooling their money together. There are no shareholders. The exchange is managed by an attorney-in-fact (AIF), which in TRUE’s case is Delaware-based Trusted Resource Underwriters, LLC.

To get a quote, simply select the “Help” button on the bottom right corner of our website. One of our team members will reach out to you within 48 business hours to assist with your quote and guide you through the next steps.

TRUE Homeowners Insurance is available in Texas and Florida.

To file a claim, please contact Claims Support directly by calling 833-414-8783 for the quickest service  or email [email protected] to start the process. 

Once your claim is submitted, a claims specialist will assist you through the next steps. 

To manage your claim, please contact Claims Support directly by calling 833-414-8783. They will provide updates and help ensure your claim is processed efficiently. 

For member support, use the phone number listed on your policy documents or email us at [email protected]. They will assist with any questions or concerns you may have about your policy. Also, you may submit a request through the ‘Help’ icon a member of our team will reach out to you with next steps.

If you need to update your policy, please contact the phone number listed on your policy documents or select the ‘Help’ button listed in the button right corner of our website. A member of our team will reach out to you within 48 hours to assist in any changes. 

Once your policy is issued, your policy documents will be mailed directly to you. 

To submit documentation, such as proof of discounts, use the phone number listed on your policy documents or select the Help button on the bottom right corner of our website. Please make sure to include the attachments on the Help request.

We currently do not offer an online account login. However, if you need assistance, you can:

• Call the phone number listed on your policy documents for support.
• Click the “Help” button on the bottom right corner of our website to reach out to our team. A member of our team will contact you within 48 business hours to review your request.

We’re here to help with any questions or needs you may have!

You can update your payment method by:

• Calling the phone number listed on your policy documents.
• Selecting the “Help” button right corner of our website to reach out to our team. A member of our team will contact you within 48 business hours to review your request.

A member of our team will contact you shortly to assist with your payment.

To update your payment method:

• Contact the insurance provider listed on your policy documents.
• Alternatively, select the “Help” button on the bottom right corner of our website to reach out to our team. A member of our team will contact you within 48 business hours to review your request.

Once your policy is issued, your policy documents will be mailed directly to you. 

We currently do not offer an online account login. However, if you need assistance, you can:

• Call the phone number listed on your policy documents for support.
• Click the “Help” button on the bottom right corner of our website to reach out to our team. A member of our team will contact you within 48 business hours to review your request.

We’re here to help with any questions or needs you may have!

For member support, use the phone number listed on your policy documents or email us at [email protected]. They will assist with any questions or concerns you may have about your policy. Also, you may submit a request through the ‘Help’ icon a member of our team will reach out to you with next steps.

Homeowners insurance protects your home and belongings from damage or loss caused by events like fire, theft, vandalism, or natural disasters. It also provides liability coverage if someone is injured on your property.

A standard homeowners insurance policy typically covers:

• Damage to your home and personal belongings
• Liability for injuries or accidents that occur on your property
• Additional living expenses if your home becomes uninhabitable due to a covered event

Common exclusions include:

• Floods and earthquakes (separate coverage may be required)
• Wear and tear
• Damage from pests or termites

Please refer to your individual policy documents to determine what coverage applies for your property.

You’ll want enough coverage to:

• Rebuild Your Home: Ensure your policy covers the full cost of rebuilding your home at current construction rates.
• Replace Your Belongings (Coverage C): This includes personal property like furniture, electronics, and clothing if damaged or stolen. Typically, coverage is set as a percentage of your dwelling coverage, but you can customize it based on the value of your belongings.
• Liability Protection: Safeguard yourself against lawsuits or medical expenses if someone is injured on your property.

Coverage amounts should be tailored to your property’s value, your belongings, and your personal liability needs. A licensed agent can help you assess the right levels of coverage for your situation

Examples of ways you may lower your premium by:

• Increasing your deductible
• Adding home security systems or completing wind mitigation

Please reach out to your insurance provider listed on your policy documents to review your policy.

While not required by law or your lender, having homeowners insurance is highly recommended to protect your property and belongings. Without it, you’ll be responsible for repairs or replacement costs in case of damage​.

Yes, you can add endorsements or riders to your policy for high-value items like jewelry, art, or collectibles. These items may not be fully covered under a standard policy​.

Your premium is affected by a number of factors such as:

• The value and location of your home
• Your deductible amount
• The type and amount of coverage you select
• Your claims history

Yes, you can customize your homeowners insurance coverage to suit your specific needs. Options may include adding coverage for high-value items, such as jewelry, or increasing liability protection. Contact your insurance provider to discuss the available options and tailor your policy​​.

Optional coverages you may consider adding to your homeowners insurance include:

• Service Line Coverage: Protects against damage to water, gas, and electrical lines leading into your home.
• Scheduled Personal Property Coverage: Provides extra protection for valuable items like jewelry, art, or electronics, which may exceed the limits of standard personal property coverage.
• Water Backup & Sump Overflow: Covers damage caused by water backup or sump pump failure.