Smart Coverage Home and Auto services are available to customers of Alarm.com service providers who have at least one Alarm.com-integrated system or device installed at their home and must be in a state where we are offering this program (see question below for state listing). This includes having an active security alarm system, fire alarm, water sensor and or water shut-off valve. If your home uses any of these devices as part of an Alarm.com-integrated system, you may be eligible.

Email us at contact@smartcoverage.com. We can help!

An Alarm.com-integrated system is a system where various smart panels, devices, and technologies are interconnected via the Alarm.com platform. These can include security and/or fire monitoring systems and automation devices (including water sensors and water shut-off valve devices). Learn more at Alarm.com.

Smart Coverage Home and Auto Insurance is currently available in the U.S. in the following state(s) (with more coming soon):
Arizona and Missouri

Switching your home and/or auto policy using Smart Coverage Home and Auto services is a simple process.

Here’s how it works:

1. Purchase your new Home/Auto policy through Smart Coverage.
2. Contact your old insurance agent or company and request cancellation. In most cases, you’ll need to sign a cancellation form.
3. Make sure the cancellation date is the same day as the start date of your new home/auto policy so you have continuous coverage.

Smart Coverage may be able to assist with this process if needed. Contact us at contact@smartcoverage.com for more information.

For questions or changes about your home or auto policy, please contact your insurance company directly. If you need assistance call Smart Coverage and speak to an agent at 571-556-4090 or you can email Smart Coverage at contact@smartcoverage.com. 

To initiate a claim on your home or auto policy, please get in touch with your insurance carrier directly. Their contact details can be found within your policy documents.

If you’re uncertain about whom to contact, or if you would like to discuss the specifics of your claim before submitting, we’re here to assist. Feel free to reach out to us at Smart Coverage at 571-556-4090. Our team of licensed agents is ready to guide you through the process.

Smart Coverage services are available to customers of Alarm.com service providers who have at least one eligible Alarm.com-integrated system or device installed at their business. This includes having an active security Monitoring (alarm) system, water shut-off valve, and/or SDS gunshot detection sensor. If your business uses any of these devices as part of an Alarm.com-integrated system, you’re eligible for Smart Coverage Business Insurance.

Smart Coverage Business Insurance caters to a wide array of small and medium-sized businesses. Whether you have a retail store, restaurant, or office space, as long as you use eligible Alarm.com-integrated systems and selected devices, you can benefit from Smart Coverage Business Insurance’s exclusive discounts.

Smart Coverage Business Insurance offers exclusive discounts for eligible Alarm.com-integrated smart security systems and selected devices. We currently offer the following Business Owner’s Policy (BOP) discounts:

Email us at contact@smartcoverage.com. We can help!

An Alarm.com-integrated system is a system where various smart panels, devices, and technologies are interconnected via the Alarm.com platform. These can include security and/or fire monitoring systems and automation devices (including SDS gunshot detection sensors and water shut-off valve devices). Learn more at Alarm.com.

Smart Coverage Business Insurance is currently available in the U.S. in the following states (with more coming soon):

A Business Owner’s Policy (BOP) is an insurance package combining multiple coverages into one package. Smart Coverage offers BOPs with General Liability and options to include:

• Business Personal Property (BPP)
• Hired & Non-Owned Auto (HNOA)
• Employment Practices Liability Insurance (EPLI)
• Business Interruption
• Professional Liability
• Liquor Liability

BOPs are designed to provide robust protection to small and medium-sized businesses. Note, Workers Compensation can be purchased separately through Smart Coverage as well.

Authentic is a managing general agency (MGA) underwritten by Everspan Insurance (A- Excellent rated by AM Best). Authentic is the trusted insurance provider of Smart Coverage’s Business Owner’s Policy (BOP). Authentic also services the policy post-purchase, offering support and handling claims for our clients. This relationship enables us to deliver competitive insurance solutions to our customers.

Smart Coverage LLC is the broker of record for all policies insured by Authentic.

Switching your BOP coverage to Smart Coverage Business Insurance is a simple process. Here’s how it works:

1. Purchase your new BOP from Smart Coverage.
2. Contact your old insurance agent or company and request cancellation. In most cases, you’ll need to sign a cancellation form.
3. Make sure the cancellation date is the same day as the start date of your Smart Coverage policy so you have continuous coverage.

Smart Coverage may be able to assist with this process if needed. Contact us at contact@smartcoverage.com for more information.

If you need to make changes to your policy or cancel it, contact Authentic directly:

Phone: (314) 485-4915

Email: smartcoverage@authenticins.com

OR

Log in to the Smart Coverage Business Insurance policy portal.

The Authentic team is ready to assist you with any policy modifications, including coverage adjustments, adding or removing properties, and policy cancellation.

For business insurance policies, you have the flexibility to pay either annually or opt for monthly payments through premium financing, provided by our trusted insurance carrier, Authentic. Please be aware that additional fees may apply depending on your chosen payment method.

If you need to file a claim with Smart Coverage Business Insurance, follow these two easy steps:

1. Check your policy to see what kind of coverage you have for the claim. You can access a digital copy of your policy through the Smart Coverage policy portal. (Click the “Login” button at the upper right corner of the Smart Coverage home page.)
2. Initiate the claims process via the policy portal or by reaching out to Authentic, our insurance provider:
   Phone: (646) 759-0351
   Email: authentic+smartcoverage@reserv.com

A dedicated claims team can guide you through the process of filing your claim.