Home Insurance - Recoop - Standalone

Home Insurance - Recoop - Standalone  


Recoop is the first and only multi-peril disaster insurance product that pays a lump-sum cash benefit (up to $25,000) after a natural disaster. Most homeowners and renters insurance policies leave gaps in coverage, which is why we created Recoop — to pick up where insurance stops, so you can bounce back faster after a disaster.

Recoop covers these major natural disasters: hurricanes (with storm surge), wildfires, tornadoes, earthquakes, gas explosions, winter storms*, and dust storms.


*Winter storms and hazardous winter weather is covered when at least 5 inches or more of snow or sleet accumulate within a 12 hour period, or at least 7 inches or more of snow or sleet accumulate in a 24-hour period.

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Tell Me More

Natural disasters are on the rise. 80% of U.S. Counties have experienced a natural disaster in the last 5 years.


2 out of every 3 American homeowners are underinsured, even with guaranteed replacement. The majority of guaranteed replacement policies are capped based on a home’s insured value.


The average homeowner may be on the hook for as much as 20% of their home’s value because policies are based on market value, not replacement cost.


Recoop exists to cover the gaps left by most homeowners and renters insurance policies in the wake of a natural disaster. We lessen the financial burden with affordable policies and expedited payments. When insurance fails, we help you prevail by picking up the tab (and the pieces) so you can rebuild and get back to life.

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How It Works


Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • Why do I need Recoop?

    Natural disasters are inevitable. If you need proof, just ask one of the residents of the 80% of U.S. counties who’ve experienced a weather-related disaster in the last 5 years.* The risk is real and living in denial is costly, so we created Recoop to cover the gaps and pick up where your insurance stops.

    Most homes are underinsured- 20% is the average exposure, even for homes with guaranteed replacement. Let’s not forget that insurance deductibles ae out of control. 5%-30% of your home’s value could be your deductible following a disaster, especially in high risk areas.

  • Who is eligible for a Recoop policy?

    • Homeowners and renters who carry an existing homeowners or renters insurance policy.
  • What if I rent?

    As long as you have an active renters insurance policy and live in a state where we’re available, you are eligible for Recoop. You must meet the same qualifications following a disaster to receive your Recoop benefit, and damage must be to the unit rented by you, not just the property outside your unit (i.e. building common areas). Damage to your personal property (just not collectibles) counts towards your $1,000 damage threshold. You will receive a renters endorsement with your policy.
  • What are the requirements to submit a claim?

    You must carry an existing homeowners or renters insurance policy, your home or apartment must be in a state or federally declared disaster area and have sustained damages of $1,000 or more and the damages must be a result of one of the following natural disasters: Hurricane (with storm surge), wildfire, tornado, earthquake, gas explosion, winter storm or dust storm. 
  • How does the claims process work?

    Our goal is to make submitting your claim and receiving your cash as painless as possible. After a disaster, you’ll start by calling us directly. After answering a few questions and submitting photos of your home for proof of loss (we compare these to the photos you upload while setting up your account), we’ll review your claim. If everything is in order, your claim will be approved and we’ll pay you within a few days.
  • Do I have to pay a deductible before my coverage kicks in?

    Nope. We don’t use the insurance industry’s dirty little D-word (deductible) around here
  • Are there restrictions on how I use my Recoop cash?

    Your money, your rules. We don’t put any restrictions on what you can and can’t do with your Recoop cash. Our goal is to get you your payment lightning fast. We trust that you know what’s best for you in your moment of need.
  • How is my rate determined?

    Your rate takes several factors into consideration, including your location, the level of risk in your region and the coverage amount you choose.
  • When is my coverage effective?

    Your coverage is effective 14 days after enrollment. While other companies may require a longer waiting period, we went with 14 days after reviewing lots of weather data.









Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.