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OnWatch by Tugboat

Choose the plan that's right for you and have our expert claim support and other tools always available for a low monthly cost. 

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Essentials

Receive any time damage review to help you determine if you should file a claim, and support preparing your claim when needed.

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Complete

You have the full benefit of Tugboat's Claim Support for any claims you file, plus additional benefits.

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Premium

For those who want to ensure that a public adjuster is handling your claim from start to finish for you whenever you have damage.

How Tugboat Works

People who use Tugboat for their claims receive an average of $15k more than those who don't when filing a property damage claim.
View Case Study

Pricing

The Assurance You're Home Needs

Annual
Monthly
Essentials

$3/mo$5/mo

  • Anytime Damage Assessment

  • Policy Education

  • Free First Reports

  • 20min of Live Support

Sign Up
Sign Up
Recommended
Complete

$5/mo$10/mo

  • Everything in Essentials, Plus:

  • Anytime Claim Support

  • 1 hr Live Support

  • Home Inventory Check

Sign Up
Sign Up
Premium

$25/mo$50/mo

  • Complete, plus:

  • Public Adjuster Support

  • Representation capped at 5%

  • Unlimited Virtual Support

  • Plus more

Sign Up
Sign Up

Pricing

The Assurance You're Home Needs

Annual
Monthly
Recommended
Complete

$5/mo$10/mo

  • Everything in Essentials, Plus:

  • Anytime Claim Support

  • 1 hr Live Support

  • Home Inventory Check

Sign Up
Schedule a call
Essentials

$3/mo$5/y

  • Anytime Damage Assessment

  • Policy Education

  • Free First Reports

  • 20min of Live Support

Sign Up
Schedule a call
Premium

$25/mo$50/mo

  • Complete, plus:

  • Public Adjuster Support

  • Representation capped at 5%

  • Unlimited Virtual Support

  • Plus more

Sign Up
Schedule a call

Have Questions?

We recognize that Tugboat, and a subscription to OnWatch is something new. So if you have any questions that aren't answered here, please send us a note to hello@tugboat.claims.

Can you help me with a claim I already filed or one I know I am going to file?
Yes, we can help. However, claims with a date of loss before you subscribe are not covered by the OnWatch subscription. For those claims, please check out our one-time claim support options HERE. By subscribing now, you’ll be covered for any future damage to your property.
How does OnWatch help with insurance claims?
 OnWatch provides expert guidance through the claims process. We help with damage assessments, policy reviews, report submissions, and offer virtual support from licensed adjusters. Premium members get dedicated public adjuster support.
Is OnWatch available to all homeowners?
Yes, OnWatch is available to all homeowners. It’s also available to anyone with property insurance, including business owners and renters. However, it only covers up to two (2) properties owned or rented by them. If you need coverage for more than two properties, please reach out to us at hello@tugboat.claims.
Is there a limit to how much I can use OnWatch?

No, OnWatch is intended to be there for any property damage you experience during your time as a subscriber.

Do you charge a percentage of my claim amount?
No, the OnWatch subscription is only the monthly amount that you pay based on your subscription level. For premium subscribers, you have the option of being represented by a public adjuster for a capped fee of 5% of the claim settlement, but it is up to you if you want to take advantage of that service at the time you have a claim. Public adjusters typically charge 10%-25% of a claim settlement, so your premium subscription results in a massive discount that will likely mean thousands of dollars in savings.