Your Home Insurance is Missing Something
Build stronger coverage, informed preparation, and the proof it takes to recover everything.
Your Insurance Wasn’t Built for Claims
Most homeowners don't realize their policies aren't designed for actual claims…until it's too late.
Think about when you bought your insurance:
How many questions did your agent ask about your belongings?
Did anyone verify the quality of your home’s finishes?
Was your policy built from an in-depth walkthrough, or a quick estimate?
If you’re like most homeowners, your coverage was set up with broad assumptions—not tailored for your specific situation.
We Fill in the Gaps
Your insurer has hidden expectations you'll only discover when making a claim. These gaps leave many homeowners underpaid or completely denied.
As a Tugboat member, you'll have everything clearly documented and organized to support a full and fair recovery
Create Detailed, Claim-Ready Inventories
Clearly itemized records, comprehensive photo evidence, and documentation aligned precisely with your policy limits.
Identify Coverage Gaps
Review your policy’s limits on structures, valuables like jewelry, art, or specialty items to avoid unexpected denials or limits.
Assess Additional Living Expenses (ALE)
Ensure your policy realistically covers temporary housing and daily living expenses if your home becomes unlivable.
A Claim-First Review of Your Coverage
Policies are built to sell, not to pay. Tugboat reviews yours from the only perspective that matters—how it holds up in a real-world claim
Documentation to Support Recovery
Room-by-room photos, finish details, and a complete inventory ready to prove what you had, should it ever be damaged, lost, or disputed.
Itemized Inventory
Built-In Claim Support When You Need It Most
If a claim happens, you won’t face it alone. Your Tugboat membership includes the strategy, support, and negotiation tools it takes to push back—and get what’s fair.
Real Homeowners. Real Results.
Pricing
Home Protection
$99/year
Includes:
- Expert Coverage reviews
- Home inventory tools
- Ongoing expert insurance support to ensure you're well protected for years to come
- Full online support for future claims
Personalized Support For All Situations
This isn't just about major disasters. You're protected and supported with everyday insurance challenges too.
Review Estimates
Compare and analyze bids and estimates, whether you have a claim or not, so you can always know what's fair.
Claim Clarity
Understand if your situation is claim-worthy to avoid unnecessary claims or denied coverage.
Coverage Questions
Get personalized answers on specific scenarios like extended guests, rentals, or unique household situations, to ensure you stay fully covered.
Become A Member Today
Make sure your policy actually works when you need it.
FAQ
Tugboat isn’t an insurance company—and that’s exactly the point.
Insurance companies make big promises to earn your business—but those promises are often forgotten when it’s time to pay a claim.
Tugboat helps make sure the policy you bought lives up to the promises you were sold.
We help you spot weak points, document what matters, and get ahead of the issues that keep people from getting paid—so the safety net you’ve been paying for actually catches you when the time comes.
Your agent plays an important role in helping you choose the right coverage—but their expertise usually focuses on setting up the policy, not on how it performs in a real-world situation.
Tugboat helps you take the next step:
We review your policy through the lens of how claims actually work, helping you spot gaps or risks you might not have seen. We also help you document your home’s true value—giving you the tools you need to work with your agent to strengthen your coverage, fill exposures, and make sure your protection matches your real-world needs.
It’s not about replacing your agent. It’s about making sure your insurance is ready to deliver when it matters.
We hope you never have to file a claim, but if you do, being prepared can make all the difference.
One of the less obvious—but incredibly important—ways we help is by guiding you through that critical moment after damage happens, when you’re deciding whether to file a claim at all.
Claims, even withdrawn or denied ones, stay on your record and can have real consequences, so it’s not always the right move. We help you make that call with clarity, not guesswork.
Beyond that, your membership ensures you:
- Know your coverage
- Have complete documentation ready if the worst happens
- Get expert guidance when you’re hiring contractors—whether for repairs, renovations, or upgrades. We’ll review estimates, compare scopes of work, and help you manage projects with confidence.
Whether you’re using a trusted partner or someone new, we help you navigate the process from a position of strength.
Tugboat doesn’t take a cut of your claim. We don’t represent you.
We equip you.
That means you stay in charge of your claim, keep more of your money, and avoid unnecessary conflict unless it’s truly needed.
Plus, if your situation does require formal representation, we’ll help you figure that out.
We work closely with public adjusters and insurance attorneys, and Tugboat members are better prepared to hand off strong, well-documented files that get results faster.
We give you expert backup without slowing you down, so you get faster, smarter outcomes when every dollar matters.
Because an insurance policy is only as good as the claim it eventually covers.
We help make sure yours is set up to do that well. That means flagging coverage gaps, documenting your home and belongings before anything happens, and identifying red flags most people only discover after a loss.
We’ve seen how claims fall apart—from denied coverage on overlooked items, to people losing out on tens of thousands because they couldn’t prove what they owned. Tugboat helps you avoid those mistakes and make sure your insurance works the way you think it does.
It’s not about having a policy. It’s about making sure the policy holds up when it counts.