Nsure.com is a licensed digital insurance agency that empowers people to buy home and auto insurance hassle free on their smartphones, tablets or computers in minutes.

Nsure brings together quotes from over 100 trusted insurers across all 50 US states, letting you compare real insurance offers in one secure place. Instead of shopping around manually, you answer a few questions and we do the work – so you can choose the coverage that fits you best.

Nsure is a state-licensed digital insurance agency operating nationwide across all 50 U.S. states. Availability of specific products and insurers can vary by location.

Nsure.com partners with more than 100 top-rated insurance companies, giving you instant access to competitive quotes you can compare side by side. You can review offers and purchase coverage directly from your phone, tablet, or computer – quickly and without pressure. There are no cold calls from agents and no redirects to outside sites. You decide when to buy, entirely on your own terms.

Our advanced technology helps you figure out the right amount of coverage – so you don’t end up over- or underinsured. Once you create an account, you can view all your policies and transactions in one secure place, update or cancel coverage with guided prompts, and manage your insurance anytime, anywhere.

When renewal time comes, Nsure.com automatically shops the market again on your behalf, providing a fresh set of competitive quotes so you can keep your coverage up to date with ease.

Nsure.com represents over 100 top-rated insurance companies that provide comprehensive insurance coverage across a wide range of products. We currently offer home, auto, flood, and boat insurance. We cater to the diverse needs of our clients by providing coverage for different property types, such as townhouses, condominiums, mobile homes, and more. Depending on your needs and location, we’ll show you bundled options too – so you might unlock extra savings. More products may be added soon!

Yes, your data and payments are secure. When you buy a policy through Nsure, you pay the insurer directly. We only share your information with the insurance company you choose to issue your policy.

To keep your account safe, we use one-time access codes sent by text every time you log in. And we never sell your data or send spam – just updates about your quotes and policies.

We always process card, bank account, and lender information using end-to-end encryption. Additionally, we never sell any of your personal data to third parties.

Our licensed agents are available Monday–Friday, 9 AM–5 PM ET.

You can:

• Chat with us using the chat widget on our website.
• Call us directly. Our phone number is 561 288 9700.
• Schedule a call at a time that works best for you.

If you reach out outside business hours, one of our agents will respond the next business day.

For instant help anytime, Friendly John – our AI assistant – is available 24/7 to guide you through most steps.

Nsure.com is a digital agency located in sunny Boca Raton in Florida. We do not have the office that you can visit, but our licensed insurance agents are available to answer all your questions. Just schedule a call, email or text us.

Start by requesting a quote. Just answer a few simple questions – some fields are pre-filled to save you time. We only ask for information that helps unlock the best discounts from our carriers. For certain home quotes, we may also request documents like proof of prior insurance, Wind Mitigation, or 4-Point Inspection reports to get you the most accurate price.

Once you provide your details, we immediately start gathering quotes from multiple insurers. Most offers appear within minutes, and it typically takes about 15 minutes for all insurers to confirm their final prices.

While we process your quotes, you can stay on the page and refresh it to see updates, or simply wait for a text and email notification once your quotes are ready.

After you submit your request, we’ll show you a list of quotes from multiple insurers. We start confirming them right away – this process may take a few minutes. You can refresh the page anytime to check for updates or wait for a text and email notification once all quotes are ready.

While we confirm the details with our carriers, you may see some estimated prices. These are preliminary rates provided before insurers confirm the final amount – they’re meant to give you a general idea of expected costs and may change once all details are verified.

Once you’re ready to review your options, you can sort the list by price or insurer rating, in either direction – low to high or high to low. Each quote includes price, coverage details, payment options, and any documents required (like Wind Mitigation or 4-Point Inspection, if applicable).

Your premium depends on several factors that reflect the level of risk and the cost of providing coverage. Insurers consider elements such as your coverage needs, chosen limits and deductibles, location, and market conditions. They also consider loss costs, claim handling expenses, and overall operating costs.

For example, in home insurance, factors like the property’s age, construction type, and roof condition can influence your rate. In auto, vehicle type, usage, and driving history may play a similar role. The higher the potential risk or cost of a claim, the higher the premium tends to be.

You can often lower your premium by adjusting your coverage and taking steps that reduce your overall risk. Insurers look for signs that you maintain your property or vehicle responsibly and that the likelihood of a claim is lower.

Here are some common ways to save:

• Bundle your policies. Many insurers offer a discount when you combine multiple products, such as home and auto insurance.
• Raise your deductible. Choosing a higher deductible can reduce your premium, but make sure it’s an amount you could comfortably pay if you ever file a claim.
• Improve safety and security. Installing alarms, smoke detectors, leak sensors, or impact-resistant features can qualify you for discounts because they help prevent losses.
• Keep your information up to date. Regularly review your policy details to make sure they reflect your property’s current value, condition, and coverage needs.
• Maintain good financial standing. For many products, insurers use credit-based scores or payment history as one of several pricing factors.
• Ask about available discounts. You may qualify for savings based on your claim-free record, long-term loyalty, or preventive improvements like roof or system updates.

Overall, reducing your exposure to risk, by maintaining your property, completing repairs promptly, or taking preventive measures, can help keep your premiums lower across different types of insurance.

After you approve your quote, the insurer reviews your information, applies any required inspections or underwriting checks, and prepares your policy documents for signature. You’ll receive an email notification once documents are ready to sign electronically. In some cases, the insurer may request additional information before issuing the policy.

You can finalize your policy however it’s most convenient:

• Complete your purchase online.
• Talk to a licensed agent over the phone.
• Get help via chat.
• Ask Friendly John, our 24/7 AI assistant, to walk you through it.

The available payment methods include Electronic Funds Transfer (EFT), credit or debit card, and direct billing through your lender (where the lender pays the premium on your behalf and adds it to your loan repayment). Each quote shows which payment methods are accepted by the insurer.

1. Go to the login page.
2. Enter your e-mail address.
3. Click Request access code — you’ll receive a 6-digit code by text message.
4. Check your phone for the code and enter it to access your account.

You can choose Stay signed in if you want quicker access in the future.

Your Nsure account gives you full control over your insurance process. You can view your quotes and policies, complete insurer requirements, upload documents, track renewals or cancellations, and request updates when needed.

Your account has four main sections:

1. Dashboard – shows all quotes and policies that need your attention.
2. Quotes – displays offers waiting for review or approval.
3. Policies – lists all your active insurance policies and their details.
4. Help – provides quick access to support and answers to common questions.

In Settings, you can manage the information used for your profile and communication:

• Personal data – edit your first name, last name, and date of birth, or select your time zone.
• Contact information – change your e-mail address or mobile number.
• Messaging preferences – choose how you’d like to receive updates and marketing messages (text messages, e-mails, or phone calls).

Be sure to click Save after making any changes.

You can request most policy changes through your Nsure.com account:

1. Log in and open the Policies tab.
2. Select the policy you want to update.
3. Click Policy details.
4. Use the blue pencil icon next to the section you’d like to change, or select one of the buttons in the “Need to modify your policy details?” section at the bottom of the page.
5. Review the available options, make your updates, and submit your request.

All policy changes require carrier approval. If your insurer needs to adjust other parts of your policy because of your request – for example, if your change affects your coverage or premium – we’ll first ask for your approval before the update is applied. You’ll receive a notification when this happens, along with details of what needs to be reviewed or confirmed.

The exact options depend on your insurer and policy type.

For home insurance, common updates include:

• Adjusting coverages and deductibles (for example, dwelling, personal property, or liability limits)
• Updating ownership or policyholders listed on your policy
• Changing occupancy (primary home, secondary, or rental use)
• Editing property details, like roof type or construction
• Adding or updating your mortgage or lender information
• Changing your mailing address
• Updating your payment method or payment plan
• Adding new discounts (such as alarm or wind mitigation)
• Requesting a policy review or fixing application details

For auto insurance, you can:

• Add or remove drivers or update their information
• Add or remove vehicles on your policy
• Change coverages and deductibles (liability, comprehensive, collision, rental, roadside, etc.)
• Add or update a lienholder or lender
• Update your address (residential or mailing)
• Modify your payment method or payment plan
• Request a policy review or make small application corrections

Tip: All changes to your policy require your insurer’s approval, but we’ll guide you through everything as you go.

Insurance carriers may require additional documentation to validate coverage or apply discounts. Submitting the requested files promptly helps avoid delays or cancellations.

Yes, Nsure can connect you with a certified professional who performs both 4-Point and Wind Mitigation inspections. You can reach us at 561-288-9700 or contact@nsure.com.

Once scheduled, the inspector will contact you directly to confirm your appointment.

A Wind Mitigation Report evaluates how well your home can withstand strong winds.

It reviews construction features such as:

• Roof deck attachment and roof covering
• Building code compliance
• Roof-to-wall attachment
• Secondary water resistance
• Opening protection (e.g., windows, doors, shutters)

The report helps insurers confirm your eligibility for wind-resistance discounts.

It remains valid for 5 years and usually costs about $100, or $150 when bundled with the 4-Point Inspection.

Note: A standard home inspection report cannot be used in place of a Wind Mitigation Report.

A 4-Point Inspection evaluates the condition of the four main systems in your home – Roof, Electrical, Plumbing, and HVAC.

It’s a standard requirement for most insurance companies and helps determine your eligibility for coverage.

The report remains valid for 1 year and typically costs about $100, or $150 when bundled with the Wind Mitigation Inspection.

Note: A home inspection report completed when you purchased your property does not replace a 4-Point Inspection Report.

About 30 days before your renewal date, we automatically shop around to find the best available offers for your coverage. You’ll be able to compare your current insurer’s renewal with new quotes from other carriers – all in one place.

Once your renewal options are ready, we’ll notify you by email and you can also view them anytime in your Nsure Account.

Yes – we automatically check if your insurer still offers the best price and coverage when it’s time to renew.

If we find a better option, we’ll show you new quotes in your account so you can decide what to do next.

Not at all. Thanks to our Nsure Price Shield, we don’t favor your current insurer – we look out for your best interest. You’re free to stay or switch based on what fits your needs best.

We search across our network of insurers and give you a clear choice. Switching insurers is simple, though in some cases it may require uploading additional documents that your current insurer already has on file.

Most insurers send us renewal quotes typically 30 days before your current policy ends. We’ll let you know as soon as your renewal quotes are available by email. You can also access them from your account.

When renewing, you can:

• Approve the renewal with your current insurer.
• Switch to another insurance company if better options are available.

Insurers may decide not to renew for reasons like:

• Property condition or high risk.
• Issues found during inspections.
• Too many claims.
• Major insurer appetite changes in your area.

We’ll tell you what you may do next – and help you secure new coverage before your current policy expires.

In some cases – yes.

If your insurer allows it, we’ll show tasks you can complete to keep coverage active. If not, we’ll immediately reshop your policy to help you stay protected.

If your insurer decides not to renew, we’ll show you new quotes from other available insurers so you can stay continuously covered. Just review the insurance offers and choose the one that works best for you.

There are several standard forms of property insurance, depending on your living situation:

• HO-3 (Homeowners): Standard policy for single-family houses. Covers the structure, belongings, personal liability, and loss of use.
• HO-4 (Renters): Covers your personal belongings and liability while renting.
• HO-6 (Condo): Covers everything “walls in” – your unit’s interior, flooring, fixtures, and personal property. The condo association insures the exterior.
• DP-3 (Landlord): For rental properties. Covers the building, any landlord-owned contents, and liability.
• HO-8 (Older Homes): Designed for historic or outdated homes, often limited to actual cash value instead of full replacement. HO-8 policies may exclude theft and water damage and are rarely accepted by mortgage lenders.
• Flood Insurance: Separate policy for rising water from outside (storm surge, heavy rain, flash floods).
• E&S (Excess & Surplus) Policies: Used when standard carriers won’t insure a property. They aren’t backed by the state guaranty fund but provide coverage for higher-risk homes.

Most home policies include six key parts:

• A – Dwelling: The house itself.
• B – Other Structures: Detached garage, shed, fence.
• C – Personal Property: Your belongings.
• D – Loss of Use: Pays for temporary housing and meals if you can’t live at home after a covered loss.
• E – Liability: Protects you if someone is injured or sues for property damage.
• F – Medical Payments: Covers small guest injuries (like stitches).

Optional add-ons include flood coverage, water-backup protection, jewelry riders, and replacement-cost coverage for contents.

Replacement cost covers the cost to rebuild or replace an item at today’s prices, without deducting for depreciation. For example, if a TV bought in 2015 for $500 now costs $800, replacement cost coverage would pay $800 – enough to buy a new one.

Actual cash value, on the other hand, factors in depreciation. Using the same example, you might receive only $200–$300 based on the item’s age and wear.

Choosing replacement cost ensures you can repair or replace damaged property at current market value rather than receiving a reduced payout for used items.

A standard auto policy combines several types of protection – some required, some optional, and some you can choose between depending on your needs:

• Liability coverage – Required in most states. Covers injuries (bodily injury liability) and damage to property (property damage liability) you cause to others in an accident. It never covers your own car.
• Collision coverage – Pays to repair or replace your vehicle if it’s damaged in a crash with another car or object (like a pole or guardrail).
• Comprehensive coverage – Covers non-collision damage, such as theft, vandalism, fire, falling objects, weather events, or hitting an animal.

You usually carry both comprehensive and collision together, especially if you’re financing your car. You can choose to remove one or both if your car is older or fully paid off.

• Medical Payments (MedPay) or Personal Injury Protection (PIP) – Covers medical costs for you and your passengers regardless of fault. You’ll typically have one or the other, depending on your state’s laws – PIP is common in no-fault states, while MedPay is offered elsewhere.
• Uninsured/Underinsured Motorist coverage – Protects you if another driver causes an accident and doesn’t have enough (or any) insurance to cover your costs.

Yes. Carriers require all household members to be listed. If someone already has their own insurance, they’ll be listed as an excluded driver – meaning they can’t drive your car under your policy.

Most insurers now sell only through licensed agents to ensure accurate quoting and compliance. An agent explains your options, compares multiple companies, and helps prevent coverage gaps or over-insurance.

There’s no single “best” insurer – it depends on what matters most to you:

• Standard insurers are state-regulated and backed by guaranty funds, offering more consumer protection.
• E&S insurers aren’t state-backed but take on higher-risk homes and have flexible underwriting. E&S insurers insure homes that standard insurers can’t – for example, due to roof age, claims, or location. They may charge higher premiums or keep 25% of the annual premium if you cancel early, but they provide vital coverage when standard options aren’t available.

If prices are close, most people prefer a standard insurer for added peace of mind.