47%
of homeowners got a rate increase last year
J.D. Power, 2025Nebula agent · For homeowners
Nebula, a friendly purple cloud mascot
Insurance that keeps looking out for you.
Nebula keeps an eye on your policy. Before your renewal, it checks for a better price with similar coverage and alerts you if it finds one.
Get started
Let Nebula keep an eye on your policy.
Register your property so Nebula can check before your renewal.
Why this exists
A higher renewal can go unchecked.
Re-shopping takes time, so most agencies do not check every policy. Nebula uses AI to re-shop before your renewal and alerts you if it finds a better price for your home insurance.
39%
of agencies start with the biggest increases, not every policy
Trusted Choice, 2024How it works
Nebula checks before your renewal.
Register your property, add your current policy, and Nebula takes care of the checking.
01
Register your property
Share your address and a few basic details about your home.
02
Add your current policy
We collect your coverage, price, and renewal date so Nebula knows what to compare.
03
Nebula checks before renewal
Nebula looks for a better price from other insurance companies with similar coverage.
04
Nebula alerts you
If it finds a better option, Nebula shows it to you. You decide whether to switch or stay.
You stay in control
You decide whether to switch.
Nebula finds and explains the options. It never changes or cancels your insurance without you.
Price and coverage
A lower number is not automatically a better policy. Nebula keeps the coverage differences next to the price.
You stay in control
Nebula does not switch or cancel a policy on its own. You review the options and decide what happens next.
A person when you need one
When a question needs judgment, a real insurance professional can step in and help.
FAQ
A few straight answers.
What does Nebula check?
Nebula compares your current policy with available options and looks for a better price with similar coverage.
When does Nebula check?
Nebula checks before your renewal so there is time to review another option if it finds one.
What happens after I register my property?
We review the details, collect any current-policy information we still need, and confirm when your property has been added to Nebula.
Does it guarantee a cheaper policy?
No. Pricing depends on the home, coverage, carrier, and market. Nebula keeps checking so you can see when a lower-priced option may be available.
Will it change my insurance automatically?
No. Nebula can surface options and explain the differences, but you decide whether to make a change.
Why do you need my property details?
Property address and date of birth are commonly needed to look up home-insurance options. We use them to add your property and figure out what else we need.