Homeowners first
Every decision starts with what's right for the homeowner — not the carrier, not the commission, not the quarter.
About Raincoat
Home insurance should keep working after you buy it.
Raincoat is building a modern home insurance brokerage that combines experienced advisors with thoughtful technology — so homeowners get real guidance throughout the year, not just at renewal.
Why we exist
The relationship shouldn't end when the policy is signed.
Most brokers disappear the moment a policy is bound. Renewals arrive as surprises. Claims feel like a fight. And the person who sold you the coverage is rarely the person you reach when something changes.
Insurance has become reactive — a transaction people brace for once a year — when it should be one of the most stable, quietly supportive parts of owning a home. Homeowners deserve ongoing guidance, not a silent inbox between renewals.
Raincoat exists to change that. We're building the brokerage we wish existed: patient, transparent, and genuinely on the homeowner's side — for the long stretch of ordinary days, not just the moment a policy is sold.
Technology, quietly
Modern software behind experienced advisors.
Behind the scenes, Raincoat uses modern software and intelligent automation to reduce paperwork, monitor coverage as your home changes, and surface the moments that matter.
The goal isn't to replace advisors — it's the opposite. Better tools mean our team spends less time on forms and more time helping homeowners make good decisions.
What makes Raincoat different
A brokerage designed around the homeowner.
Real advisors
Experienced brokers who pick up the phone, explain the trade-offs, and stay with you long after the policy is bound.
Proactive reviews
We check in on your coverage throughout the year, not just at renewal, so your policy keeps up with your life.
Modern technology
Thoughtful software works quietly behind the scenes — cutting paperwork so advisors can spend time on advice.
Year-round support
Questions, changes, claims — we're the same team you started with, available across all 364 days between renewals.
Plain-English guidance
No jargon, no fine-print games. Clear explanations of what you're covered for and why it matters.
Our principles
The ideas we're building on.
Homeowners first
The homeowner's interest is the compass. Everything else follows from that.
Technology with a purpose
Software should remove friction and free up advisors — never replace the human relationship.
Proactive, not reactive
The best time to think about coverage is before something changes, not after.
Simple by design
Insurance is complex enough. Our job is to make it feel calm and understandable.
Long-term relationships
We measure success in years, not policies. Renewals should feel like a check-in, not a sales call.
Clear advice
Honest guidance, even when it's not what someone hoped to hear. Trust compounds.