Home Insurance the Way You Expect It
Tugboat exists to make home insurance work the way you expect it to by giving you the tools and support to get the most from your policy when it matters most.
We Began by Helping People, One Claim at A Time
We started Tugboat after years working inside the insurance industry—first for the carriers, then for homeowners. We saw the same pattern over and over: people paying for coverage, only to face a confusing, stressful process when they needed it most.
We didn’t begin with software. We began by helping people, one claim at a time. That work showed us exactly where the process breaks and how homeowners can keep it on track. Today, we put that experience into the hands of thousands of members across the country.
Storms are getting stronger, wildfires more frequent, and insurance coverage harder to find.
Policies have more fine print, more limits, and more ways to say no.
Most people don’t find out where those limits are until it’s too late.
Tugboat Helps You Take Control of Your Coverage
Through our membership, you can:
Understand Your Coverage
Spot gaps and know what your policy really covers.
Document Your Home and Belongings
Be ready to prove your loss if a claim happens.
Prepare Claim Information
Organize details so nothing gets overlooked.
We’re not here to replace your insurance company—we’re here to help you work with them so your policy does what it’s supposed to do.
You keep control of your claim. We give you the tools, tips, and resources to help you get the most from your policy.
Resolve Claims Faster & Avoid Costly Surprises
Tugboat members resolve claims faster, secure better outcomes, and avoid costly surprises simply by being prepared, informed, and persistent.