The policy that pays out cash after a hurricane

Get cash automatically and use it for whatever you need with no deductibles, no proof of loss, and no claims process.

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How it works

You've never seen insurance like this.
Super simple and super transparent.


Create a policy in minutes, from the comfort of your couch. Choose the policy size that best fits your needs.


Using public atmospheric data, we monitor your policy's location for hurricane wind speeds.


We pay out automatically if we detect hurricane wind speeds over land within 25 miles of your policy's location.

We protect what matters: your well-being.

After a hurricane, the priority is you. We want you to have cash for whatever you need, quickly and with no questions asked, whether you rent, own property or own a business.

Advanced tech for a claims-free process

Receiving your payout after a hurricane shouldn't be another headache. Raincoat pays out automatically based on hurricane wind speeds in your area using public data from NOAA (NHC).

Your safety is in good hands.

Each policy is insured by Óptima Seguros, and reinsured by Munich Re, a reinsurer with an A.M.Best A+ rating.

Cash for whatever you need

Use your payout for anything, with no restrictions.
You can use your payout for:

Buy a generator, gas, water and provisions.

Make repairs to your home.

Cover loss of income.

Pay bills and loans.

Move or relocate temporarily.

Anything else!
¡There are no restrictions!

Insure your well-being
(and your wallet) today. 

Get the microinsurance policy that pays for hurricane winds and receive your cash quickly after the disaster, with no questions asked and no claims process.

Choose your policy