Clear rules
Use our Scenario Simulator to translate strict regulatory policies into plain English before you sign up. No hidden surprises.
Clear rules, no runaround — the same fair rules for everyone, every time. Explore our interactive Scenario Simulator to see exactly what you're covered for, and to what extent.
Full home, auto and liability cover, up to 15% cheaper because of lean operations and active prevention. Honest coverage with absolute transparency.
We are your proactive prevention partner, not just a reactive safety net. By constantly analyzing risk and helping you maintain your home, we stop troubles before they start. If you ever do need to claim, the process is objective and based on clear, transparent rules.
Report it from your phone in minutes — a few photos, a few details. No forms in triplicate, no phone queue.
Your claim is evaluated against your policy rules, ensuring a consistent and transparent check.
You'll see exactly which rule applied and why — no black box, no adjuster discretion. Simple claims are settled according to the rules without the guesswork.
We coordinate next steps to get your recovery moving. Complex cases go to a specialist right away — so you can focus on getting your life back together.
With most insurers, your payout can depend on which adjuster you get and what kind of day they're having. We wrote the rules down and apply them the same way to everyone — so you can't be unlucky.
A different adjuster, a different mood, a different answer. Two identical claims can be settled completely differently — and you'd never know why.
One clear set of rules, applied consistently to every claim. More transparent, fairer, and the same for you as for everyone else. Consistency is the whole point.
Traditional insurance forces responsible homeowners to subsidize high-risk behaviors and neglected properties. We do things differently. OLM is built for safe, proactive homeowners. By partnering with a community that actively maintains their homes, we collectively reduce risk, lower claim rates, and pass all of those savings directly back to you.
In plain English: we save money in two ways. First, our active prevention (routine maintenance reminders, warnings on recalls, and risk insights) helps stop disasters like fires or water damage before they ever happen, reducing claim payouts. Second, we run lean operations using modern software instead of legacy administrative systems. We keep our marketing spend the same to grow the pool, but we pass all operational and prevention savings back to you. We also catch money that quietly leaks out of every insurer — overpayments, errors, and bills that should have gone to whoever actually caused the damage (called subrogation). Most insurers miss a lot of it. We don't — and those savings come back to you, not the person at fault.
Figures are illustrative and rounded to explain the idea. Final numbers will reflect OLM's audited expense ratio once filed; actual splits vary by insurer, product and region.
Drag to your current yearly premium for an estimate. Same cover — you just keep the difference.
Illustrative estimate at up to 15% lower cost. Not a quote — your real price depends on your risk, location and the cover you choose.
True transparency isn't just about reading the rules; it's about how they are applied. Because our claims process is fully automated by code, there is no room for human bias, adjuster mood swings, or subjective interpretation. Every decision is 100% objective, consistent, and fully auditable.
Use our interactive Scenario Simulator to see how we translate regulator-approved policy wordings into clear explanations, while keeping the legal template fully auditable.
Technological objectivity — our founding commitment.
Search or click a real-world scenario to instantly translate strict regulatory policies into plain English.
Traditional insurers wait for disasters to happen. We don't. By analyzing millions of data points, we know exactly what causes claims and how to prevent them. We share a direct financial stake in your home's safety, making us your proactive prevention partner.
We know exactly what causes claims. Using these data insights, we recommend only the highly specific maintenance steps proven to prevent losses. We then partner directly with trusted vendors and suppliers to help you execute them seamlessly.
Product recalls on appliances, smoke detectors, or electrical components are hidden hazards. We track them and warn you if anything in your home is affected.
Other carriers hoard vast amounts of risk data without sharing it. Because we are built for transparency, we share real-time risk insights and lessons from past claim failures with our entire community. This empowers you to actively prevent future losses using shared knowledge.
Insurance is, at its core, a promise: if the worst happens, you won't face it alone.
Somewhere along the way the industry lost the plot. Premiums climbed, policies grew thick with fine print, and the moment of truth — the claim — became the part customers dread most.
We started OLM to put that right. Modern tools finally let a small team run a real insurance company — comprehensive cover, properly priced — without the layers of cost that make incumbents slow and expensive. We don't pass those costs to you, because we never take them on. And we pay claims by clear, consistent rules, so fairness isn't a matter of luck.
Read our thesis & why we started OLM →
Fair things to check before you switch. Honest answers below.
Secure a spot on our waitlist and we'll let you know the moment OLM is available where you live — with an early look at what you'd keep.
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