Frequently Asked Questions

How can we help you?

• All
• Who We Are
• Kylie
• My Account
• Claims
• Policy
• The Vault
• Coverage

• What is BlueCouch?

  BlueCouch is an online insurance brokerage that is revolutionizing the way you get home and renters insurance. With us, all you need is to click a few buttons and be on your way with a tailored plan that fits your needs.

• What makes you so special?

  With BlueCouch Insurance Services, you can get a quote online and look at the coverage options first. A broker then helps you put the policy in place, without paper forms or long waits.

• How long does a quote take?

  It depends on the property: a house has more questions than a rental unit. Have your address ready, along with the years the roof, heating, plumbing and electrical systems were last updated. You can come back to your quote on the same device.

• Where are you based?

  Our headquarters are in Vancouver, British Columbia, but we've got employees working remotely from all over the world.

• How big is your team?

  Our small, but mighty team currently consists of 11 employees.

• How do I contact you?

  If you have any questions or concerns, you can reach us at (855) 316-3237 or email [email protected].

• Who is Kylie and what does she do?

  Kylie is our proprietary AI insurance agent. She'll help you compare insurance rates for your needs and answer any questions you may have throughout the process.

• Why are you using AI?

  If you're like most people, you're tired of back and forth calls, filling out paper forms, and waiting weeks to hear back from an insurance agent. Our AI Agent, Kylie, uses powerful technology to provide you with a fast, easy and custom-tailored insurance experience. She has been in development for the past 4 years.

• Do you offer live/human support?

  You bet! If you have any unanswered questions, you can reach out to a live agent by phone, email, or chat.

• What if I don’t want to use AI?

  If you prefer to keep things old school, we have plenty of live agents available to help you with all your insurance wants and needs.

• What do I need to create an account?

  To create an account with BlueCouch click the “Get your quote” button in the upper right-hand corner of the website. From there you can proceed with getting a quote and creating your account.

• How do I pay for my insurance?

  You have the flexibility to pay for your insurance policy using various methods, such as credit cards or available financing options.

• What payment methods are accepted?

  We accept all major cards including Mastercard, Visa, American Express and Discover.

• How do I change the information on my account?

  Information can be easily changed in the “My Account” section of the website on your mobile device or laptop.

• Do you offer a mobile app for insurance services?

  While we don't have a dedicated mobile app, our website is mobile-friendly, so you can get a quote right from your smartphone or tablet at bluecouchinsurance.com, anytime.

• I’m moving, how do I change my address?

  Moving is stressful enough as is, so we at BlueCouch try to make it as simple as possible for you. All you have to do is just log into your account, click on your profile and make the necessary changes.

• What do I need to submit a claim?

  We take customer service seriously! Home incidents are stressful and BlueCouch wants to make things as easy as possible. You can submit your claim in minutes through our web portal or by calling one of our agents & we’ll work to settle it as soon as possible.

• How are claims calculated?

  Many home policies settle belongings on a ‘replacement cost’ basis: the insurance company values a destroyed, damaged or stolen item at the price of a new one of like kind and quality. If the item is no longer sold, a similar one is used for reference. Your policy wording sets the exact basis.

• Can a claim be filed at any time?

  Yes they can, claims can be filed 24/7, 365.

• How do I lower the cost of my policy?

  Your policy price (the ‘premium’) is mostly affected by how much coverage your policy has. Coverage can be easily adjusted before payment with a higher deductible may lower your price. Your deductible is the amount that will be deducted from any claim payment you may receive. Think of it as your participation in the damage or loss. A good claim history can also help reduce costs.

• How do I cancel my policy?

  You can cancel your policy at any time through the website. If you change your mind and want to come back, we’d love to see you again! Be aware that insurance prices change from time to time, so your new policy may come at a different rate than what you held.

• How does renewal work?

  We’ll send you an email notification before your annual anniversary, in most cases, you won’t have to change a thing!

• Can I switch to BlueCouch if I already have an active policy with someone else?

  Yes, you can. Start with a quote, and a broker can help you line up the switch with the dates of your current policy.

• What does my home/renters policy cover?

  Your policy will cover the replacement of your house, any buildings on the property, the replacement of your belongings, student property away from home, additional living expenses you may incur as a result of having to leave your home in a claim, mass evacuation, identity fraud, as well as any other optional coverages you may choose.

• What is the Vault?

  The Vault is Blue Couch’s proprietary storage platform built into our application. All of your important documents will be readily available with just a few button presses.

• Who else has access to the vault?

  Only you, it is truly your personal vault

• How do I submit items into the vault?

  Policies are automatically submitted into the vault upon being processed, however, if there are more documents you want or need to upload simply select ”My account -> Vault -> Upload files”.

• Will I lose access to the vault if I cancel my policy?

  Nope. We will hold your vault available for 2 years after you've changed your provider.

• Do I have to use the vault?

  Not at all, it’s completely up to you; however, it’s a great tool to store all different insurance documents and stay on top of important dates.

• How do I pick the right coverage?

  We’re here for you. Give us a little information about yourself, and Kylie will gather data points and suggest coverage options that match the details you give. You can then make adjustments.

• What kind of coverage do you offer?

  We offer renters, homeowners, and landlord insurance. Check back often as we’re adding new types of coverage!

• Do you cover earthquakes and floods?

  Earthquake and overland flood coverage are usually optional add-ons, and what is available depends on the insurance company and where the home is. Ask your broker which options apply to your address.