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how it works

You've got questions. We've got answers

1. Choose the categories of items you want to protect (cell phones, electronics, cameras, etc.)

You don’t have to pay more for insurance that protects everything you own. With Traverse, you get to pick what you want to protect, only paying for those things that matter most to you.

Build an insurance bundle for yourself by selecting any combination of the categories below and choosing a coverage limit for each.

  • Cell Phone: Get paid to repair or replace your phone when yours is misplaced, stolen, or even accidentally destroyed by you.
  • Personal Electronics: Coverage for everything from laptops to TVs to your gaming console.
  • Camera: Protection for your camera, lenses, and the rest of your kit.
  • Sporting Equipment: From skateboards to golf clubs, sporting coverage keeps you in the game.
  • Musical Equipment: Protection for your instruments and gear, whether you’re in a garage band or an orchestra.
  • Jewelry: For those special pieces that you can’t live without.
  • Handbags: Coverage for your designer labels and favorite daily carry.
  • Bicycles (only available in TX): Protect your ride: pedal-powered or electric.
  • Clothing (only available in TX): Make sure you don't lose your style.
  • Misc. Medical Equipment (only available in TX): Hearing aids and other medical equipment.

You can also protect yourself with add-on coverage for life’s unexpected perils.

  • Liability Coverage: Cover your personal liability. And if you get sued, it can cover your defense fees. Up to $100,000 in NY, and up to $500,000 in TX. This coverage may satisfy your landlord’s insurance requirements (review your lease to be sure).
  • ID Fraud: Up to $25,000 that can cover your expenses because your identity was stolen.
  • Experiences: Get up to $200 a day for increased expenses for up to three days when your home sharing accommodation does not live up to expectations or your flight is cancelled.

2. Protects lost, stolen, or damaged items

Traverse provides “blanket” coverage that covers all of your items in a chosen category up to your policy limit. We will even cover lost, stolen, or damaged items for your spouse, kids, or other family members as long as they live with you. Protect your favorite things in the categories above with up to $5000 of coverage towards repair or replacement.

3. Get paid the replacement cost of any item in a selected category when it is lost, stolen or damaged

Whether you’re replacing a dropped cell phone or a lost handbag, you don’t want to have to wait long to replace an item that is valuable to you. Our dedicated Traverse claim representatives will quickly review your claim and if it is accepted, the money to replace or repair your item can be deposited directly into your bank account, or you can receive your money via PayPal or Zelle as well. Simply provide proof of ownership of the item(s) such as a receipt or cell phone bill.

No deductible, if you don't want one. Just the coverage you want, at your fingertips.

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