Answers ready when you are.

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 Certain restrictions apply to homes near coastal waters or with outdated systems.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.

You can read the Subscriber’s Agreement and the Subscribers’ Advisory Committee Charter on our Policies & Agreements page.

Because TRUE is a reciprocal exchange, each member makes a surplus contribution in addition to their premium. It’s set at 10% of your annual policy premium and is billed and collected with your premium.

Surplus contributions are credited as policyholder surplus for the benefit and protection of all members. They aren’t an investment, and they’re generally only returned, on a prorated basis, if a policy is cancelled mid-term.

For full details, see the Subscriber’s Agreement on our Policies & Agreements page.

Start your homeowners quote here.

TRUE homeowners insurance is available in Arizona, Florida, Georgia, Ohio, South Carolina, and Texas.

Once your policy is issued, your policy documents will be mailed directly to you. You can also access them anytime through the Member Portal.

You can upload any required document, such as proof of discounts, directly through the Member Portal. You can also email us at memberservice@trueins.com or use the Help icon at the bottom right of the page to submit a request. Please include your attachments with the Help request.

If you let us know about a wind mitigation inspection when you got your quote, please send a copy within 30 days of purchasing your policy. Email it to memberservice@trueins.com and include your policy number.

If we don’t receive it within 30 days, the additional credits will be removed, and your policy will be rated with standard credits based on the year your home was built and the age of your roof.

See Discounts below for what your inspection needs to include.

• Most inspections are completed within the first 30 days after your policy goes into effect.
• If your home is in a gated community, the inspection company will contact you to arrange access.

We work with two trusted inspection partners: Bees360 and Millennium Inspections. The inspection company will contact you directly to schedule the inspection after your policy is active.

• Yes, all new business policies require an external inspection.
• External inspections do not require scheduling unless the property is inside a gated community.

Inspections help ensure your home meets the underwriting guidelines and eligibility criteria stated in your insurance policy.

To access your account, visit the Member Portal.

1. If you already have an account, enter your username and password.
2. If you’re a new user, select Register a New User and follow the prompts to create your account.
   • The third character of your policy number is the letter “O,” not the number zero.
   • Your verification code is sent by email only, from no-reply@trueins.com. If you don’t see it, check your Spam, Junk, and Promotions folders.
3. Once you’re logged in, you can view policy documents, make secure payments, update your payment method, and update your contact information.

Having trouble? See Member Portal help below.

To file a claim, contact Claims Support directly at (833) 414-8783 to start the process. Once your claim is submitted, a claims specialist will help you through the next steps.

To manage your claim, contact Claims Support at (833) 414-8783. They’ll provide updates and help ensure your claim is processed efficiently.

You can make a payment anytime in the Member Portal, or call Member Services at (833) 854-1203 and our team can take your payment by phone.

Sign in to the Member Portal and go to Billing → Payment Methods to update or replace your saved payment information. You can securely update your credit card or banking details online at any time. If you’re unable to update your payment method online, our team is happy to help. Call (833) 854-1203 or email memberservice@trueins.com. For security purposes, please don’t share payment information by email.

If you need to send a mortgage payment, please use the appropriate address below.

• Include your loan or reference number with your payment to avoid processing delays.
• Allow enough mailing time for your payment to arrive by the due date.
• If you have questions about payment processing or other payment options, contact Member Services at (833) 854-1203 or memberservice@trueins.com.

Florida policyholders: No. Per Florida Statute 626.9551, TRUE does not provide a Replacement Cost Estimator. The property owner and mortgage lender are in the best position to evaluate the value of the insured property. We recommend having the property (re)appraised by a licensed appraiser to help ensure the coverage limits on your policy are, and remain, adequate.

Policyholders in other states: TRUE does not provide a Replacement Cost Estimator. The property owner and mortgage lender are in the best position to evaluate the value of the insured property. We recommend having the property (re)appraised by a licensed appraiser to help ensure the coverage limits on your policy are, and remain, adequate.

Under Section I – Conditions, Loss Settlement, of your Homeowners policy, covered buildings are settled at replacement cost, without deduction for depreciation, subject to the following:

If, at the time of loss, the amount of insurance on the damaged building is 80% or more of the building’s full replacement cost immediately before the loss, TRUE will pay the cost to repair or replace the damaged portion, without deduction for depreciation, but not more than the least of:

1. The limit of liability under the policy that applies to the building;
2. The replacement cost of the damaged portion with material of like kind and quality and for like use; or
3. The amount actually spent to repair or replace the damaged building.

Replacement cost value is established at the time your policy is written and at renewal, and is the responsibility of the property owner (and, where applicable, the mortgage lender) to review for accuracy. TRUE does not calculate or certify replacement cost values. If you believe your dwelling limit may not reflect current replacement cost, we recommend engaging a licensed appraiser or contractor for a current valuation.

You can request a copy of the applicable policy provisions, along with the policy number, by contacting TRUE Member Services. Please have the policy number available when you reach out.

Member Services: (833) 854-1203 · Email: memberservice@trueins.com

Policyholders can view and download their complete policy documents anytime through the Member Portal. Lenders without portal access should contact Member Services directly.

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

Flood damage of all types, including storm surge, isn’t covered by a homeowners policy. To be covered, you’ll need a separate flood policy through the National Flood Insurance Program at floodsmart.gov. See the Flood Coverage Disclosure Notice on our Policies & Agreements page.

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.

Some ways you may be able to lower your premium:

• Increasing your deductible
• Adding home security systems or completing wind mitigation (see Discounts)

To review your options, contact your agent or Member Services at (833) 854-1203.

While not required by law, 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. A standard policy has limits on some items. For example, jewelry is covered up to $1,000 for named perils. Optional coverages can help:

• Increased Limits on Personal Property raises limits on certain items, such as increasing jewelry coverage to $5,000.
• Scheduled Personal Property covers items like jewelry, furs, cameras, musical instruments, silverware, fine arts, and golf equipment for their appraised value, with no deductible.

Optional coverages are subject to availability and qualification. Contact your agent or Member Services at (833) 854-1203 to add coverage.

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
• Information from consumer reports, such as your insurance credit score where permitted by law

We use information from LexisNexis to help determine eligibility and rates. To review or dispute it, contact LexisNexis directly:

• Claims history (C.L.U.E. report): 866-312-8076
• Insurance credit score: LexisNexis Consumer Center at 1-800-456-6004

More information is available at consumer.risk.lexisnexis.com. In Florida, if an extraordinary life circumstance has affected your credit, you may be able to ask us to take it into account. See the Privacy Policy on our Policies & Agreements page for details.

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 agent or Member Services at (833) 854-1203 to discuss the available options and tailor your policy. You can see the full list in the Statement of Additional Optional Coverages on our Policies & Agreements page.

A wind mitigation discount rewards homes with features that help limit damage from high winds, like stronger roof connections or impact-rated windows. Some homeowners add these features above and beyond what building codes require.

Every TRUE policy automatically includes standard wind mitigation credits based on the year your home was built and the age of your roof. A wind mitigation inspection can verify additional features that may qualify your home for a larger discount.

Not for the standard credits. Those are applied automatically. An inspection is only needed to get credit for features beyond the standard credits.

Some features always require an inspection to receive credit, including a reinforced concrete roof deck and single or double wraps connecting the roof to the walls.

A licensed inspector checks the features that help your home hold up in high winds:

• Roof covering: whether it meets building code requirements
• Roof deck attachment: how the roof decking is nailed or fastened down
• Roof-to-wall attachment: how the roof connects to the walls, such as toe nails, clips, or single or double wraps
• Roof shape: hip, gable, flat, or other
• Secondary water resistance: a sealed layer under the roof covering that helps keep water out if shingles are lost
• Opening protection: impact-rated windows, doors, garage doors, or shutters
• Reinforced concrete roof deck, if your home has one

To receive credit, your inspection must:

• Be no more than 5 years old
• Be in the primary policyholder’s name. An inspection in a previous owner’s name doesn’t qualify.
• Be completed on the Uniform Mitigation Verification Inspection Form (OIR-B1-1802, 2012 version)
• Include the inspector’s color photos
• Be complete, including the inspection date, owner information, a property address that matches your policy, the inspector’s initials and property address on every page, and the qualified inspector’s license information, signature, and date

Before your inspection, it’s a good idea to share the form with your inspector so everything is completed the first time.

Email a copy of the full inspection, including photos, to memberservice@trueins.com with your policy number.

• New policies: please send it within 30 days of purchasing your policy.
• Current policies: you can send an inspection anytime. If it changes your premium, the change applies starting on your current policy term’s effective date or your inspection date, whichever is later.

Questions? Our team is happy to help. Call (833) 854-1203 or email memberservice@trueins.com.

Select Register a New User first. Your TRUE member portal login is created during registration, so the Login button won’t work until that step is done. Logins from your agent or another insurance company, including your auto insurer, won’t work here. The TRUE portal has its own login.

If you receive an error during registration, please confirm that the information you entered matches your policy exactly. When selecting Register New User, make sure:

• Your policy number is entered correctly, especially the first three characters. The third character is the letter “O,” not the number zero.
• Your ZIP code matches the insured property location exactly as listed on your policy, not a mailing ZIP code.

Tip: your policy number is on your welcome email, declarations page, billing statements, and renewal notices. Copying and pasting it from your welcome email or declarations page is the easiest way to get it exactly right.

If you’re still having trouble, our team is happy to help you get registered and can also assist with policy documents, payments, or policy changes. Call (833) 854-1203 or email memberservice@trueins.com.

Usernames must be unique and should follow the on-screen guidelines. Avoid using your policy number. If the username is taken or doesn’t meet requirements, you’ll be prompted to choose another. Passwords must be at least 10 characters, with at least one number and one lowercase letter.

Verification codes are sent by email only, from no-reply@trueins.com. Text message and phone delivery aren’t available, and you’ll be asked for a code at most sign-ins. Adding no-reply@trueins.com to your contacts helps the email reach your inbox.

Stay on the verification page and enter the code promptly. If you leave the page or wait too long, the session can expire. If you don’t see the email, check your Spam, Junk, and Promotions folders.

If the code still doesn’t arrive or isn’t accepted, or the email address shown isn’t one you can access anymore, our team is happy to help you get signed in and can also assist with documents, payments, or anything else on your policy. Call (833) 854-1203 or email memberservice@trueins.com.

Select Forgot Username? or Forgot Password? on the portal login page and follow the prompts. Accounts can lock after multiple unsuccessful login attempts, and resetting your password is how you regain access. Check your Spam, Junk, and Promotions folders for the reset email.

After the reset, you’ll return to the login page. Sign in with your new password, and you may receive another verification code to finish signing in.

If you’re still unable to sign in, our team is happy to help you get access and can also assist with documents, payments, or policy changes. Call (833) 854-1203 or email memberservice@trueins.com.

When your policy is issued with a new number, your previous portal account is closed, and you’ll need to register again. Select Register a New User at trueins.com and enter your new policy number.

Important: you’ll need to create a new, unique username. The username from your previous account can’t be used again.

If you run into any trouble, our team is happy to help you get registered and can assist with documents, payments, or anything else on your new policy. Call (833) 854-1203 or email memberservice@trueins.com.

If you receive an error while adding a payment method, please check that:

• The card number, expiration date, and security code are entered correctly
• The billing ZIP code matches what your card issuer has on file
• The card has not expired and has available funds
• There are no extra spaces or missing digits
• You’re not using American Express or Discover, which are not accepted and will result in an error

If the error continues, try a different supported card type, or our team is happy to help. We can take your payment by phone at (833) 854-1203, or you can email memberservice@trueins.com.

Yes. Our team is happy to take a payment, send policy documents, share billing details, or help with policy changes while we get your access sorted out. Call (833) 854-1203 or email memberservice@trueins.com.