Your home gets a health score
Like a credit score, but for your house — and actually useful. We track your property's risk in real time, so you always know where you stand and what to fix first.
BC weather doesn't mess around.
Neither do we.
Wildfires. Atmospheric rivers. Crazy windstorms. Living here keeps homeowners on their toes.
Traditional home insurance is a once-a-year transaction. Raincoat is a year-round partner.
We rebuilt home insurance from the ground up.
We use AI and better data, local weather intelligence, and proactive alerts to help prevent problems and protect your assets.
Smarter insurance helps you stay one step ahead.
Other insurers optimized the first 15 minutes of the buying process. We built for the next 364 days.
Getting a quote fast is table stakes. What happens after is what actually matters — and it's where everyone else goes quiet. Raincoat keeps working all year: watching risks, checking your coverage, and flagging what matters before it costs you.
We notice things before they're problems
A storm rolling in. A renovation that changed your risk. New wildfire activity nearby. Our monitoring runs year-round and tells you before it matters — not after the claim.
Everything you own, in one smart locker
The Smart Asset Locker keeps a living record of your home and what's in it. New e-bike? Finished basement? Your coverage gets nudged to keep up — automatically.
Renewals that don't need a reminder app
We start working your renewal weeks before it lands — re-checking your coverage, catching price creep, and coming to you with the answer instead of a surprise.
One place for everything
Claims, coverage, documents, alerts, questions — a single control centre. No binders, no hold music, no 'let me transfer you.'
AI for the paperwork. Humans for the judgment calls.
AI handles the tedious parts — forms, fine print, follow-ups. Licensed BC brokers step in when it takes a human. You get speed and someone accountable.
The best claim is the one that never happens.
Anyone can cut you a cheque after disaster. We'd rather catch the leak before the ceiling does — alerts, checkups, and coverage that stays current while you get on with life.
Insurance that finally gets British Columbia.
Leaking condos, atmospheric rivers, strata drama, smoke-filled summers — we get it. Join the early access list for launch news, homeowner tips, and first access the day we open.
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