Residential
You’ve protected your home. Let’s also protect your wallet.
Most homeowners may not realize how big a gap their traditional insurance leaves. Adaptive fills those gaps with specialty coverage.
Real coverage for the real risks.
What We Offer
Adaptive provides specialty insurance solutions that fill the gaps left by traditional insurance, giving you peace of mind.
Help close the protection gap with our specialty solutions
Deductible Buy-Back
Reduce your out-of-pocket exposure after wind, hail, or hurricane damage to as low as $2,500. Available in all 50 states.
Power Outage Coverage
Parametric coverage that pays automatically when an outage exceeds the chosen duration threshold, usually in just days.
Common Situations
“I already have homeowners insurance.”
Homeowners insurance is essential but most policies have blind spots. Adaptive’s coverage steps in where your primary policy leaves off.
“I’m trying to control costs.”
Sometimes doing the math shows the real cost: For example, a 3% wind/hail deductible on a $400K property is $12,000 out-of-pocket. Everyone’s risk tolerance is different, of course, but Adaptive’s products can take that kind of surprise off the table.
“I’ve never had a major issue.”
We hope it stays that way. Weather is becoming less predictable and infrastructure is under more stress than ever. Being prepared isn’t about expecting the worst, it’s about not being caught off guard.
“This seems complicated to add.”
Each of our products works alongside your existing coverage. Your agent can secure coverage for you in less than five minutes.
“I want to run this by my agent.”
Absolutely. Let us know what we can provide to help your agent understand what you’d like to do.
Adaptive protects you from costs that primary insurance doesn’t cover.
Have questions or want to explore your coverage options? We’d love to help.
