Hopefully that could help you out in the mean time.

Regarding returning unclaimed premium - good question. The way insurers make money is by 1) collecting premiums and holding on to them, generating some interest, and 2) keeping more premium than they need to pay out in losses and expenses, which is called "Underwriting Profit."

Typically Home/Renters insurance is written in such a way that a company tries to keep 5-15% of premiums as Underwriting Profit.

We think that the conflict over underwriting profit is at the heart of why the insurance experience is bad - there's not much incentive in improving a user experience that you don't want users to use... So we want to give that 5-15% back in the good years where we don't need it to pay claims. So, what you would see is a dividend at the end of the insurance year. It's not going to be much, but it is "putting our money where our mouth is" on our commitment to policyholders.

Turns out that's really hard to do legally and financially - mutual insurers would technically do this, but starting one is a hugely capital intensive process. We're on the path, and hope to be able to share more about the process soon!