Instant quotes for personal property and liability protection
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Insurer Rated “Excellent”
AM Best Rating Agency
Instant Coverage
Same-session binding
As Seen In
Where other programs deny coverage, FutureProof offers competitive quotes tailored to your circumstances — even when other carriers won't.
Personalize your coverages, deductibles, and premium to match your budget and comfort level — so you only pay for the protection you actually want.
Specifically built for Southeast and Gulf coast residents whose homes fall outside what standard carriers will cover.
Why FutureProof
No multi-day underwriting back-and-forth. Get a real quote and a real policy in the same session.
Stand-alone wind coverage in all 9 states — even where other carriers have pulled out.
Save on your premium for smart water leak-detection and electrical monitoring devices.
Replace damaged property with LEED, ENERGY STAR, or Green Globes-certified materials after a loss.
Risk-specific pricing so coastal renters can still get a competitive quote.
Your personal property is covered at home, in your car, or wherever you travel.
“After Hurricane Ian, every carrier declined me. FutureProof gave me a quote the same day — real coverage at a price I could afford.”
Maria T. · Fort Myers, FL
“The whole process took under five minutes. The smart-home discount alone saved me $200 a year.”
James R. · Houston, TX
“My coastal building in Charleston — no one would touch it. FutureProof covered me with named-storm wind included.”
Sandra K. · Charleston, SC
“Switched from my old policy in minutes. The online quote was accurate and my rate actually went down.”
David M. · Baton Rouge, LA
“Finally an insurance company that understands coastal living. No hoops, no delays — just coverage.”
Lisa P. · Galveston, TX
“The claims process was straightforward and the adjuster called me the same day I reported the loss.”
Robert A. · Savannah, GA
“After Hurricane Ian, every carrier declined me. FutureProof gave me a quote the same day — real coverage at a price I could afford.”
Maria T. · Fort Myers, FL
“The whole process took under five minutes. The smart-home discount alone saved me $200 a year.”
James R. · Houston, TX
“My coastal building in Charleston — no one would touch it. FutureProof covered me with named-storm wind included.”
Sandra K. · Charleston, SC
“Switched from my old policy in minutes. The online quote was accurate and my rate actually went down.”
David M. · Baton Rouge, LA
“Finally an insurance company that understands coastal living. No hoops, no delays — just coverage.”
Lisa P. · Galveston, TX
“The claims process was straightforward and the adjuster called me the same day I reported the loss.”
Robert A. · Savannah, GA
FutureProof Insurance operates as the Managing General Agent and is not the insurer. This program is underwritten through the Accelerant Risk Exchange, which provides access to non-admitted surplus lines insurers that are not licensed by state insurance departments in the states where coverage is offered. Policy rates and forms are not approved by any state regulatory agency, and policyholders insured by surplus lines carriers are not protected by state insurance guaranty funds. Coverage must be placed through a licensed surplus lines broker. Surplus lines taxes and stamping office fees apply per applicable state law.