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 can 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. A Named Storm Event Limit gives you coverage for a storm.

0%
Zero Events - Live Cat
  • Initial cost approximately 50% of unlimited plan
  • Reserves right to purchase coverage anytime before storm records Tropical Storm force winds at your location
0%
Single Event
  • Initial cost approximately 85% of unlimited plan
  • Covers the first storm that approaches your location
  • Ability to purchase an additional Event Limit when desired
0%
Unlimited Events
  • Akin to a typical wind policy
  • Covers all named storm wind damage. No need for additional purchase of Event Limits during policy term

During the Wind Season

Automatic Trigger
No action required

If you already have an Event Limit available for a given Named Peril Storm, no action is required. The Unlimited Plan will always have an Event Limit. The Single Automatic Plan will have an Event Limit if it had not already been triggered, or if you bought another Event Limit after it was triggered.

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
  • Stay with your original plan
  • Upgrade by purchasing one limit in advance; or
  • Upgrade to unlimited

50 Year Historical Comparison

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

Using Unlimited Events premium as index(100%)

Houston, TX

1968-2017

50 year average premium relative to index

Unlimited Events Plan 100%
Single Event Plan 85%
Live Cat Plan 62.5%
  • Average of 15% savings on Single Event Plan - never had more than one major storm in a single year
  • Average of 37.5% savings over a 50 year period with the Live Cat Plan

Using Unlimited Events premium as index(100%)

Miami, FL

1968-2017

50 year average premium relative to index

Unlimited Events Plan 100%
Single Event Plan 86.6%
Live Cat Plan 65.5%
  • Average of 13.4% savings on Single Event Plan - only two years with more than one major storm
  • Average of 34.5% savings over a 50 year period with the Live Cat Plan

Using Unlimited Events premium as index(100%)

Charleston, SC

1968-2017

50 year average premium relative to index

Unlimited Events Plan 100%
Single Event Plan 87.1%
Live Cat Plan 67%
  • Average of 12.9% savings on Single Event Plan - only three years with more than one major storm
  • Average of 33% savings over a 50 year period with the Live Cat Plan
Hawaii
Texas
Louisiana
Mississippi
Alabama
Florida
Georgia
South Carolina
North Carolina

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