Reciprocal Insurance

Discover The Value Of Reciprocal Home Insurance

As a member of Homebound Insurance Exchange, you’ll enjoy the benefits of a community-driven insurance solution. Homebound was created to bring more flexibility to the personal property insurance market and designed to serve your needs while offering the potential to share in its success.

At Homebound Insurance Exchange, your coverage is tailored to provide comprehensive protection, backed by a model that prioritizes stability and long-term benefits for its members.

  • 01

    More than a Member

    You are an owner. Homebound is collectively owned by its members, creating a powerful alignment between the insurer and the insured, and incentivizing mutual success

  • 02

    Stability in Chaos

    While many traditional insurers are hesitant in turbulent markets, Homebound provides reliable coverage at competitive prices

  • 03

    Member Surplus Contributions

    As you contribute to Homebound’s surplus, the entire community’s financial stability is strengthened, and you reap the benefits over time

  • 04

    “A Exceptional” Demotech Rated

    Homebound Insurance Exchange holds an “A Exceptional” rating from Demotech, guaranteeing stability and providing you with confidence in your coverage

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