How does Tough To Cover work out the best quote for me?

Tough To Cover utilizes a custom built rating process that shops multiple A Rated (A.M. Best) insurers, presenting you with coverage options and the lowest prices available. Our expert agents will find you the best package and workable options to cover the property.

Can I get coverage with existing claims?

Yes, Tough To Cover can get your property covered at the best price! No matter how many existing claims you have or what your current carrier has told you, we are here to help.

What levels of property insurance coverage does Tough To Cover offer?

Tough To Cover offers every conceivable package from basic to large scale commercial property coverage.

Can I get a multi-line discount with my Auto policy or other lines of insurance?

Tough To Cover offers Auto, Home, RV, Boat, Renters, Life, Health, Bonds and Business Insurance. Any of these products will get you a multi-line discount on your policy.

How is Tough To Cover’s quote process different than typical insurance companies?

Tough to Cover strives to make your experience smooth and seamless, automatically determining the best rate available using state-of-the-art pricing and underwriting systems. This allows us to get you a very detailed quote without requiring a huge amount of personal information. Once we are ready to issue your policy we will gather the necessary details from you.

What details will I need to provide before I get my property insurance quote online or over the phone?

  • Details of the property you want to insure, including address, square footage, and price of property;
  • The names of the people you want to insure on your policy, such as spouse, mortgage holder, etc.; and
  • General information about the level of coverage needed.
  • I have had the same policy for years and out of the blue my company is “Non-Renewing” the coverage. What has changed?

    We see this every day. More and more of California is being reclassified as “High Risk” — many large insurance providers are pulling coverage from the state due to long-lasting drought conditions and an uptick in forest fire occurrences. Similar to Florida and New Orleans, California is becoming a much more specialized market and that is why Tough To Cover is here for you.

    I have been turned down at several other insurers, can you still cover me?

    Not a problem! As masters of the High Risk Homeowners Insurance markets, we are ready to show you how we can help. Get your free quote in as little as 5 minutes!

    Do I need to own the property before I get insured?

    No, Tough To cover will deal directly with your realtor, mortgage broker and title company on your behalf, making the process seamless and transparent. We promise the people wrapping up your property purchase will love dealing with us!

    Have a question that wasn’t covered? Reach out to one of the Tough to Cover team members for immediate support and information.