{"listing":{"listing_type":"company","name":"Goodcover","slug":"goodcover","tagline":"Digital Co-op Renters Insurance = half the price, better coverage.","description":"Goodcover provides its Members with Good Renters Insurance for 50% less than legacy companies and an Annual Dividend of the money left over after claims obligations are met.\n\nGoodcover is a Managing General Agent (MGA) that administers personal insurance on behalf of our Membership, a bit like how USAA does it.\n\nMember's premiums are pooled and used to pay claims.  We take a fixed fee, and the remainder is returned in our Annual Member Dividend.\n\nWe work with multi-billion dollar capital partners to ensure regulations are followed, adequate claims capital is always available, and we have emergency capacity for catastrophes.\n\nTechnology allows us to eliminate waste, saving roughly 25% of the cost.  We are 100% digital, but not bots - we invest in tech that enables our experts to help Members.\n\nAs an Invitation Only Membership served by an MGA, **we can give Members Free Insurance** when they invite others, turning our \"Marketing Budget\" into savings for Members.  This eliminates Lizards and Sales Agents, saving the other 25%.\nWe do not use the standard industry models, instead using a multiperil model to more granularly price risk.  This means that for a few of you we are more expensive... but everyone else pays much less than they would otherwise pay.\n\nOur granular, multiperil model allows us to offer a superior policy over the standard market including:\n    - coverage for if your place is flooded by a neighbor\n    - Replacement Cost Coverage (meaning new stuff for your old)\n    - All Risk coverage for high value items you tell us about - including computers (almost no one does that amazingly)\n    - added coverage for mold removal\n\nOur MGA business model allows us to be capital efficient, \"renting\" capacity as we need it.\n\nAll this adds up to our government approved pricing being 40-60% cheaper on average than that of our competitors.\n\nGoodcover is a Y Combinator company (Summer 2017). YC-listed status: Active.","url":"https://www.goodcover.com/","is_stealth":false,"normalized_domain":"goodcover.com","normalized_url_key":"goodcover.com","parent_slug":null,"parent":null,"type_data":{},"logo":"https://bookface-images.s3.amazonaws.com/small_logos/2ccf4ef1efc72341bb2abddc0f6f7843aa2cafa7.png","links":[{"label":"Y Combinator profile","url":"https://www.ycombinator.com/companies/goodcover","platform":"ycombinator"}],"entry_points":[{"kind":"homepage","url":"https://www.goodcover.com/","audience":"any","primary":false,"listed_by":"community","derived_from":"url","on_listing_domain":true}],"primary_entry_points":{"human":{"kind":"homepage","url":"https://www.goodcover.com/","audience":"any","primary":false,"listed_by":"community","derived_from":"url","on_listing_domain":true},"agent":null},"founders":[],"media":null,"categories":["Fintech","Insurance"],"stage":null,"founded_year":null,"location":"San Francisco, CA, USA","pricing":null,"twitter":null,"github":null,"linkedin":null,"contact_email":null,"added_at":"2026-09-03T06:10:26.131Z","added_via":"web","geo":{"keywords":["Y Combinator","YC Summer 2017","Fintech","Insurance"],"one_liner_for_search":"Goodcover — Digital Co-op Renters Insurance = half the price, better coverage. (Y Combinator Summer 2017)","canonical_facts":["Y Combinator batch: Summer 2017","YC company status: Active","Team size (per YC directory): 1","YC industry: Fintech","YC subindustry: Fintech / Insurance","Former names: Collective","Regions (per YC): United States of America, America / Canada, Remote, Partly Remote"]},"agents":null,"featured_until":null,"example":false,"ownership_status":"unclaimed","claimed_by_agent_id":null,"claimed_via_claim_id":null,"claimed_at":null,"updated_at":"2026-09-03T06:10:26.131Z","is_featured":false,"category_memberships":[{"kind":"industry","slug":"fintech","name":"FinTech","note":null,"profile_url":"/industries/fintech"},{"kind":"industry","slug":"insurance","name":"Insurance","note":null,"profile_url":"/industries/insurance"}]}}