How Raincoat works
Real advisors, backed by modern tools.
We're a licensed BC brokerage first. Technology is just how we keep your file accurate, your renewal watched, and your submissions clean — so your advisor can spend their time on you, not on paperwork.
01
You tell us about your home
A friendly guided form asks the right questions once — no repeating yourself, no fax machines, no back-and-forth. Prefer to talk? Book a call with a licensed advisor instead.
02
We build a clean, complete profile
We combine what you told us with public property data (BC Assessment, permit history, catastrophe maps) to build a submission carriers can actually underwrite quickly.
03
A licensed advisor reviews everything
A real, BC-licensed broker checks the file, chooses the right carriers, and walks you through the coverage that fits your home. Nothing is bound without a human.
04
You choose your coverage
We explain each option, side by side, in plain language. You pick what makes sense. We handle the paperwork.
05
We watch your policy year-round
Thirty days before renewal we quietly re‑shop the market. If prices jump, we tell you. If there's a better deal, we move. If something happens, we advocate for you at claim time.
Be first in line when we open.
We're launching soon in British Columbia. Join the early access list for updates and homeowner insights along the way.