1.0
Your parents' broker
Human and manual
Paper files, a handshake, and a phone call if you're lucky. Personal, but slow — and still how roughly 60% of the market runs today.
We didn't improve insurance. We rebuilt it.
Not from your parents' broker. Not from the 15-minute quote apps. Raincoat is a new kind of home insurance — one that keeps working long after you buy it.
Insurance has had two upgrades in 50 years. This is the third.
2.0
The apps
Digital, but transactional
They made buying fast — 15 minutes, no phone call. Then they went exactly as quiet as the broker did. A dashboard isn't a relationship.
3.0
Raincoat
Continuous intelligence
Coverage that watches, learns, and speaks up. AI and live data monitor your home's risks year-round — and licensed BC brokers step in for the judgment calls.
A year with Raincoat.
“Always-on” is easy to say. Here's what it actually looks like.
October
An atmospheric river is inbound. You get a heads-up two days early — and a five-minute gutter checklist that saves your basement.
November
Your renewal is 30 days out. We've already re-shopped it, checked for price creep, and sent you the answer. Your part: one email.
March
You finish the basement. One photo, and your coverage catches up. No forms, no phone tree, no "let me transfer you."
July
Wildfire-smoke week. We tell you what your policy actually covers — before you have to wonder.
Day 365
You did almost nothing all year. That was the point.
Be first to feel the difference.
Raincoat is launching soon in British Columbia. Join the early access list for launch news and homeowner insights.