Most insurance is built to be hard to read and slow to pay. Aegis is the opposite. Quote in two minutes, read a policy that fits on one screen, and watch straightforward claims land in your bank the same day you file. No call trees. No fine-print exclusions. No fighting the company you pay to protect you.
Backed by the names that make a payout a promise, not a hope
The legacy model profits when you don't claim, so it's designed to make claiming hard. Ours profits when the pricing is right and members stay. That single difference is why every screen here is built to be clear, fast, and fair on the day it counts.
Every cover is written the way a person actually talks, on a single screen. You see what's in, what's out, and the dollar limit on each line before you pay a cent. No 40-page PDF, no clauses engineered to be misread, no exclusion that only surfaces the week you file. If we won't cover something, you learn it on day one, not your worst day.
File from your phone in under three minutes. Our model reads the photos against your coverage in seconds and approves clear-cut claims on the spot. Most pay out the same day, straight to your bank account.
When a claim needs real judgment, a licensed adjuster picks it up by name, answers their phone, and stays on your side. No offshore call center, no being transferred until you give up.
Go a year without a claim and your premium falls at renewal, automatically. Add a smoke alarm or bundle a second policy and the discount lands the same day, with no phone negotiation to unlock it.
Raise a limit before a trip, schedule a new laptop, insure the engagement ring the morning of the proposal. Adjust cover from the app and the new terms take effect immediately, prorated to the minute.
What it looks like when an insurer is built to pay
The claim is the only promise an insurer ever actually makes. We rebuilt it end to end so the worst day of your year becomes the easiest part of dealing with us.
Open the app, tap the affected policy, and walk through a few photos and questions. Most filings take under three minutes — nothing to print, nothing to fax, no hold music.
Our model matches your photos to your coverage and flags anything unusual. Straightforward claims clear instantly; the genuinely complex ones route to a person, not a queue.
You get the payout with the arithmetic shown — your limit, your deductible, every line item — so the number never reads like a mystery or a lowball.
Approved funds move straight to your bank, usually the same day. No paper check in the mail, no third party waiting to cut it.
Start with one cover and add the rest as it becomes real. Bundle two or more and the price drops on its own.
Your belongings, your liability, and a place to stay if you can't go home. Theft, fire, water, and weather — with limits you set and can actually see.
Collision, liability, and roadside built around fast claims. Telematics is opt-in only: drive safely to earn a discount, never to dodge a penalty.
Schedule a ring, a camera, a road bike, or a laptop for full replacement value worldwide — and no depreciation games on the day you file.
Accidents and illness, reimbursed the same day straight to your account, so the vet bill never sits waiting on paperwork.
Cancellations, medical abroad, and lost bags, priced by the trip. Add it the night before you fly and you're covered at the gate.
Honest term life with a real underwriting answer in minutes for most applicants — and a payout your family never has to chase.
“A pipe let go over a holiday weekend. I filed from the kitchen floor at 9am and the money was in my account before lunch. I've never had an insurer move that fast — or be that decent about it.”
“Moving nine vans over took ten minutes, not three brokers and a week. When a driver got rear-ended, the claim closed the next day. For a small fleet, that's a week of downtime I didn't lose.”
“I read my entire policy in about ninety seconds and understood every word. Twenty years of insurance and I'd forgotten that was even allowed. Nothing hidden, and the price has dropped every year I haven't claimed.”
Quotes are free and instant. The full premium is on screen before you commit, and you can cancel any day for a refund down to the day. Bundle policies and the discount applies on its own.
Core protection for renters and individuals.
For households covering more than one thing.
For teams, fleets, and growing companies.
Most straightforward claims are approved the same day you file, with the money sent to your bank within hours. Complex claims that need a human reviewer take longer, but you'll have a named adjuster and a clear timeline inside one business day — never a black box.
There isn't one. The price you're quoted is the price you pay, every fee shown up front, no surcharge for paying monthly. We make money by pricing risk well and keeping members who are happy — not by hiding costs in the fine print.
Yes. Aegis is a licensed carrier backed by top-rated reinsurance partners, so your claims are paid even in a year of major catastrophes. We hold capital reserves to regulatory standards in every state and province we operate in.
Cancel any day from the app in a couple of taps. We refund the unused portion of your premium prorated to the day — no cancellation fee, and no phone agent whose job is to talk you out of it.
You get a written reason in plain language that points to the exact line of your policy, plus a one-tap appeal to a senior adjuster. Because coverage and exclusions are spelled out before you buy, denials are rare and never a surprise.
A single claim won't trigger a hidden penalty. Your renewal reflects your overall risk over time, and staying claim-free earns automatic discounts. You'll always see exactly what changed and why — no mystery surcharges.
A genuine quote takes about two minutes and costs you nothing. Read the policy, check the number, switch only if it's clearly better.