The insurance industry's oldest trick: charge you a deductible before they pay a cent. We outlawed it. Every Outlaw policy pays your claim from dollar one — no hidden thresholds, no out-of-pocket surprise, no fine print.
Renters coverage · $0 deductible · up to $30,000 belongings
Using this calculator does not create a quote, offer, binder of insurance, policy, contract or order. Any rate shown is an illustrative estimate only. Coverage and pricing exist only under a written policy issued by a licensed insurer, subject to underwriting and its terms. No coverage is in force until you receive that written policy.
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Enter your address. Pick your coverage. Our algorithm reads 100+ data points and returns a fair price in under 90 seconds. No agent, no upsell, no games.
Pick your plan, bind instantly with a card, and you're covered from dollar one before you finish your coffee. No deductible to set. No thresholds to track. Protection that's actually there when you need it.
Take a photo. Describe what happened. Our AI reviews the claim and sends cash straight to your bank — usually in three minutes. No adjusters, no paperwork, no waiting. Filing a claim never raises your rate.
The average American pays $1,500 out of pocket before their insurer pays anything. That's not insurance — that's a trap. Outlaw is built around a $0 deductible on covered claims, subject to your policy terms, limits and exclusions. You pay your premium. We pay covered claims. Details in your policy.
Filing a claim is supposed to be the point of insurance. Most carriers punish you for it — your rate jumps and you quietly pay for years. At Outlaw, your rate is locked. Use your insurance. That's what it's for.
No claims adjuster. No approval committee. No check in the mail twelve days later. Our AI reviews your claim and initiates a direct bank transfer — most payouts land before you've made another cup of coffee.
*Illustrative goals, not guarantees. Coverage, deductibles, claim timing and surplus allocation are subject to policy terms, underwriting, licensing, availability and our Terms.
We take a flat fee to run Outlaw. Whatever's left at year-end goes to causes you choose during signup — not to shareholders, not to executive bonuses. Subject to program terms and availability.