Welcome to the future of hurricane insurance

Ironically, you likely live in a coastal location that is seldom threatened by a hurricane; even in Miami. So why pay for unlimited hurricanes in advance every year when you purchase your hurricane policy? iDemand may save you money by letting you select how many hurricane events you purchase coverage for in advance.

How it works

At Policy Inception

Purchase your policy and select the number of Named Storm Event Limits you would like to purchase at policy inception. A Named Storm Event Limit gives you coverage for a specific Named Storm.

0%
Unlimited Events
0%
Single Event
0%
Zero Events - Live Cat

During the Wind Season

Automatic Trigger
No action required

If you already have an Event Limit available for a given Named Storm, no action is required. For the Single or Zero Event plans, we will allocate an Event Limit whenever needed based on an Event Trigger.

Manual Trigger
Action Required

When a hurricane path is projected to be heading toward your property, and you want to purchase an Event Limit, open the app on your PC/phone and activate your coverage for a pre-determined premium charge based on storm category. This will give you hurricane insurance for this specific named storm.

After a Storm

Evaluate your options

51 Year Historical Comparison

  • Houston, TX
  • Miami, FL
  • Charleston, SC

Using Unlimited Events premium as index(100%)

Houston, TX

1970-2020

51 year average premium relative to index

Unlimited Events Plan 100%
Single Event Plan 87%
Live Cat Plan 85.9%

Using Unlimited Events premium as index(100%)

Miami, FL

1970-2020

51 year average premium relative to index

Unlimited Events Plan 100%
Single Event Plan 87.5%
Zero Event Plan 88.9%

Using Unlimited Events premium as index(100%)

Charleston, SC

1970-2020

51 year average premium relative to index

Unlimited Events Plan 100%
Single Event Plan 89.1%
Live Cat Plan 95%
Hawaii
Texas
Louisiana
Mississippi
Alabama
Florida
Georgia
South Carolina
North Carolina

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FAQs

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