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Here you’ll find answers to all our most common FAQs. And for anything else, feel free to call a VIU by HUB Advisor at 833-495-2748.
General questions
Renters insurance is a type of insurance policy that covers a tenant’s personal property in a rented apartment, condo or home. It usually also provides liability protection and loss of use coverage if you're not able to remain in your rental due to a covered event.
Auto insurance provides financial protection in the event of accidents or theft. Most jurisdictions require basic coverage for drivers to legally operate a vehicle. Risks, requirements and legal specifics vary by state, so it’s best to read up on the particulars related to where you live. VIU by HUB offers auto insurance options and information for all 50 states.
Asurion's Home+ coverage provides personalized technical support by experts on home technology. If you’re having an issue with any eligible household product, you can contact an Asurion Expert for help.
You’ll get expert technical support for all of your eligible products and those that connect to them.
You can get help with:
- Connecting your household
- Wi-Fi devices
- Setting up new devices and accessories
- Using and getting the most out of your devices and accessories
- Troubleshooting your devices if you run into an issue and more
Asurion Experts can solve most tech issues in just one call. Additionally, Asurion Experts will make recommendations on how to optimize your devices for your lifestyle.
Personal information, such as your birth date, may significantly influence the quote price that carriers can provide to you. Your name and email enable us to create your personal insurance dashboard if you choose to purchase a policy through VIU by HUB. And your phone number lets us reach out and assist you in making the most informed insurance decisions.
Many insurers offer discounts for being claim-free or if you have certain safety measures in place like smoke detectors, fire extinguishers, security cameras, burglar alarms, or deadbolt locks. When purchasing a policy through VIU by HUB, an advisor will be sure to apply any available discounts before you make your first payment.
Read “Surprising things that lower your homeowners insurance”
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Insuring a motorcycle differs from a car due to the distinct risks involved. Motorcycles are more exposed and vulnerable on the road, leading to different insurance considerations such as higher injury risk and a different structure of liability and collision coverage.
You should trust VIU by HUB because our parent company HUB International has been serving customers for 25 years, consistently ranked as one of the top five insurance brokerages worldwide. And with 25+ carrier partners and more than 475 offices in North America, we’re fully equipped and ready to serve you for the next 25 years and beyond.
Neutering is covered by Fetch Wellness, an add-on coverage for routine and preventive care.
You should trust VIU by HUB because our parent company HUB International has been serving customers for 25 years, consistently ranked as one of the top five insurance brokerages worldwide. And with over 50 carrier partners and more than 475 offices in North America, we’re fully equipped and ready to serve you for the next 25 years and beyond.
If you’re found to be at fault in an accident, your liability coverage will pay for legal fees and the other party’s property damage and medical expenses, up to your policy limits. This may also lead to an increase in your auto insurance rates.
Read “Injury, information, insurance: What to do after a hit and run”
After you file a claim and report a loss, an insurance adjuster will come to inspect the damage and determine how much your insurance company should pay for the repair or replacement.
Our pet insurance partner Fetch covers vaccinations from rabies to canine Bordetella and feline FELV with Fetch Wellness, an extended coverage add-on for routine and preventive care.
The time frame for filing an insurance claim after an incident, known as the "claim filing window," varies depending on the type of insurance and the specific terms of your policy. Generally, it's advisable to file a claim as soon as possible, but here are some typical guidelines:
- Auto insurance – Most policies require that you report an accident within a few days to a few weeks, but for filing a claim, you might have a longer window.
- Homeowners insurance – For property damage, it's usually recommended to file a claim within one year of the incident. Some policies might have shorter time frames, so it's important to check your policy details.
- Life insurance – For life insurance, beneficiaries generally have no time limit to file a claim. However, prompt filing is advised to expedite the benefits process.
No, your VIU by HUB account number is not the same as your policy number. Your policy number is an alpha-numeric code unique to each individual policy assigned by your insurance carrier. Meanwhile, your account number is a 10-digit number associated with your VIU by HUB online insurance portfolio management account. If you have any questions about your policy or payment plan, one of our advisors will be happy to help.
Our VIU by HUB Advisors are licensed insurance specialists and experienced agents who will strive to provide you with the best advice on policies, coverages and carriers.
Ideally, your home insurance coverage limits should be high enough to cover the cost of rebuilding your home and replacing your personal belongings in the event of a total loss. A VIU by HUB Advisor can help determine how high your limits should be, including cost considerations associated with potential liability claims.
When it comes to pet insurance quotes and policies, we trust Fetch to get you the best customer experience and coverage options on the market. From quoting and onboarding to customer support and claims, Fetch — rated ‘Excellent’ on Trustpilot — will assist with your pet insurance policy every step of the way.
Homeowners insurance provides coverage for damage to your home and personal property, as well as liability coverage for certain incidents that occur on your property.
Umbrella insurance typically covers liabilities that go beyond the limits of your standard insurance policies. This includes bodily injury, property damage, certain lawsuits and personal liability situations. For example, if you're found liable for a car accident and the damages exceed your auto insurance coverage, your umbrella policy can cover the additional costs.
A master policy is the insurance policy held by the condo association or HOA. It usually covers the building's exterior and common areas. Understanding what the master policy covers can help you decide how much coverage you need for your own condo insurance.
Umbrella policies do not cover everything. Exclusions typically include personal property damage that the policyholder causes intentionally, liability incurred in business or professional activities (this requires a separate business liability policy), criminal or fraudulent actions, and liability related to contracts or agreements signed by the policyholder. A VIU by HUB Advisor can breakdown policy details to make it easy to understand any exclusions.
Yes. After importing an existing insurance policy or purchasing one through VIU by HUB, you'll be able to see basics like policy numbers and key dates plus coverage details, carrier information and related documents like your insurance ID card, declarations and more.
VIU by HUB Advisors are here to simplify insurance and help you make better policy decisions every step of the way. We:
- Assess and prioritize your individual insurance needs
- Research the best policies and coverages to fit those needs
- Communicate key insurance details clearly and easily
- Help you understand policy terms and conditions
- Assist with paperwork, policy set-up and finalization
- Offer ongoing support, like help with claims, renewals, policy adjustments and more.
Umbrella insurance typically covers liabilities that go beyond the limits of your standard insurance policies. This includes bodily injury, property damage, certain lawsuits and personal liability situations. For example, if you're found liable for a car accident and the damages exceed your auto insurance coverage, your umbrella policy can cover the additional costs.
After creating a VIU by HUB account and importing your existing insurance policies, we’ll sync the coverage details for easy access from your personal dashboard. If you’re having trouble viewing your policy details, please reach out to the VIU by HUB Technical Support Team by filling out the contact form on our help page.
Condo insurance is a specific type of insurance policy designed to cover condo owners for a variety of risks, including liability for injuries that occur within their unit as well as damage to their personal property and permanent fixtures like cabinetry, wall coverings and more.
VIU by HUB Advisors can help you save money by comparing various insurance policies to find the most cost-effective to meet your needs. And when it comes to finalizing your policy, we’ll also apply any discounts that may be available and relevant to you.
Asurion Home+ is a device protection plan and so much more! Asurion's Home+ provides technical support and protection for your eligible home tech, like your flat-screen TV, laptop, gaming consoles, and more. This plan is a service contract that is different from a product warranty provided by a manufacturer. It does not extend the term of any manufacturer’s warranty.
With an Asurion's Home+ plan, you get:
- Expert technical advice and support for the technology in your household.
- Protection for your eligible products, which provides coverage for mechanical and electrical malfunctions, like if your device won’t turn on.
Standard second home insurance policies generally include coverage for the structure of your home, personal belongings, liability protection and additional living expenses incurred if a covered loss renders your home temporarily uninhabitable. A VIU by HUB Advisor can help you understand and compare the right second home insurance quotes for your needs.
Yes, recreational toy insurance is different from auto insurance. While both provide protection against accidents and damage, recreational toy insurance is tailored to the unique risks associated with specific recreational vehicles and activities which are not covered under standard auto insurance policies. A VIU by HUB Advisor can help you find the right policy for your unique needs.
The cost of recreational toy insurance varies depending on the type of toy, its value, where it's used and the owner's driving history. Factors like the level of coverage desired and any additional endorsements for specific risks like theft and natural disasters can also impact the price. With a rundown of your details, a VIU by HUB Advisor can help you compare quotes with the most accurate pricing.
VIU by HUB makes money through commissions earned when you buy a policy from one of our insurance carrier partners. In some cases, VIU by HUB may refer you to partner providers. When that happens, we collect a referral fee. Other VIU by HUB services are provided to you at no additional cost, because HUB is paid through the commissions we receive from insurers.
VIU by HUB is a new kind of digital insurance platform, dedicated to meeting your unique personal insurance needs. Whether you need a new policy or want to look at your existing coverage, our advisors and easy-to-use platform make sure you get the most value from the right options for you and your family.
Contact a VIU by HUB Advisor today to compare quotes from different insurers and get the best rate on a recreational toy insurance policy that meets all your unique needs. Increasing your deductibles can lower premiums, as can maintaining a good driving record, taking safety courses and installing safety measures like anti-theft devices and other features. If you only use your recreational toy seasonally, it’s also a good idea to ask your VIU by HUB Advisor about adjusted coverage options.
Read “How to lower motorcycle and boat premiums in the winter”
As state-licensed personal insurance brokers, we work independently and offer carrier-neutral policy guidance that puts your needs front and center. Insurance agents, on the other hand, typically represent one insurance company and sell policies from that company only. By partnering with multiple carriers, we’re able to provide a broader range of options to find just the right coverage for you and your family. And with ongoing advice whenever you need it, we help make sure you stay protected – today, tomorrow and beyond.
Motorcycle insurance includes coverage for a range of recreational vehicles. Digitally, we can help you compare quotes for:
- Street motorcycles
- Mopeds
- Scooters
- Trikes
- Golf carts
To compare quotes for off-road vehicle options like the following, please call a VIU by HUB Advisor at 833-495-2748:
- ATVs
- UTVs
- Dirt bikes
- Snowmobiles
- Non-registered golf carts
- Non-registered E-bikes
It’s possible that the insurance carrier you had in mind does not serve your specific area or location. In any case, a VIU by HUB Advisor would be happy to walk you through all the quotes, insurance companies and coverage options available to you. You can reach us Monday - Friday 8 a.m. to 9 p.m. ET at 833-495-2748.
No, auto insurance is not designed to cover motorcycles. Motorcycles require a separate insurance policy because they are considered a different type of vehicle with unique risks.
VIU by HUB is free.
We’re independent digital insurance agents, which means we don’t sell policies issued by our own insurance company. Instead, we identify policies that are specifically relevant and right for you. And thanks to our A-rated insurance carrier partners – which means they’re top-ranked in financial strength and ability to pay claims – we’re able to offer their policies at the best possible price.
Eligible products are covered due to failures for mechanical and electrical breakdown as a result of defects in materials and workmanship, normal wear and tear, dust heat and humidity, power surge failures and even Accidental Damage from Handling (ADH) like drops, spills and cracked screens on select portable electronics.
Eligible devices include:
Home Office:
- Desktops, laptops, and tablets (collectively referred to as “PC” or “PCs”). Each PC can include one (1) of each of the following: an associated external monitor, keyboard (wired or wireless), mouse (wired or wireless), modem and external desktop speaker set (wired). The PCs eligible for coverage under this Plan are those equipped with a Windows Operating System version Windows 7 or newer or Android version 1.6 or newer and Apple computers which are equipped with an Apple operating system version OS X (10) or newer or Chrome OS
- Home routers (wired or wireless)
- External hard drives
- Printers and multifunction printers
Home Entertainment:
- LCD, Plasma or LED Televisions (collectively referred to as “television” or “televisions”). Televisions include coverage for the original remote control
- Streaming devices (audio and video)
- Bluetooth and Wi-Fi enabled speakers
- Audio headsets
- Gaming systems. Gaming systems include the original remote controls
- DVD players, Blu-Ray players and portable DVD players (collectively referred to as “DVD Player” or “DVD players”)
- Virtual Reality Headset(s)
- Home theater systems that include any of the following if purchased as a set: a receiver, sound bar, speakers, BluRay player, amplifier, subwoofer, and tuner (collectively referred to as “home theater system in a box” or “home theater systems in a box”)
Smart Home Products:
- Smart Light Dimmer(s)
- Smart Device Hubs
- Smart Thermostat(s)
- Smart Smoke Detector(s)
- Smart Door Lock(s)
- Smart Home Security Camera(s)
- Smart Video Doorbell(s)
- Smart Carbon Monoxide Detector(s)
To read the full list of plan details, check out the Asurion Home+ Terms and Conditions.
Yes, you may cancel this service at any time. If you cancel within 30 days from your enrollment date, you will receive a full refund. If you cancel outside of 30 days, you will receive a prorated refund. For more information about cancellations, check out the program terms and conditions.
Standard homeowners insurance policies have limits for certain types of valuables. For high-value items, you might need additional coverage or endorsements. A VIU by HUB Advisor can make sure to include specialized coverage for any valuables you may have.
A standard renters policy typically includes coverage for personal property, liability and additional living expenses if your home is rendered unlivable. It can also protect against perils like fire, theft and vandalism and more.
VIU by HUB works with over 50 insurance carriers, including Travelers, Nationwide, Safeco, Hartford, Liberty Mutual, Progressive and more.
After filing an auto insurance claim, your insurer will assign a claims adjuster to investigate. They'll review any police reports, inspect vehicle damage, interview involved parties and determine fault. Depending on their findings, you'll receive a settlement offer covering repairs, replacements or medical expenses as applicable. If you agree, you'll be compensated; if not, you can negotiate. If you’re found to be at fault, your premiums might increase at the next renewal; if another party was responsible, your insurer might seek reimbursement from them or their insurance provider.
Homeowners insurance covers your investment in your home and personal belongings by providing financial protection against damage, theft and liability. It’s not necessary by law, but if you have a mortgage on your property, your lender will typically require it.
Risks, requirements and legal specifics vary by state, so it’s best to read up on the particulars related to where you live. VIU by HUB offers insurance options and information for all 50 states.
Read “Home renovation projects: Getting the right insurance and contracts”
Full coverage for motorcycles can be expensive due to the higher risks involved. Motorcycles are generally more vulnerable to accidents and theft. Additionally, motorcyclists are more likely to sustain serious injuries in an accident, which can lead to higher claims and therefore higher insurance costs.
Most standard homeowners insurance policies include other structures coverage, but it's always good to double check. When reviewing your policy or shopping for a new one, a VIU by HUB Advisor can make sure this coverage is included in your plan.
Recreational toy insurance is often a worthwhile investment for those who own valuable recreational equipment. It protects against potential losses due to accidents and the financial harm you might do to others or their property, theft, or damage to your toy, providing peace of mind and financial security. When considering the best policy for your needs, the value of the insurance should be weighed against the cost of replacing or repairing the recreational toy and financial risk caused by an at-fault accident.
VIU by HUB arranges insurance for a wide range of recreational toys. These typically include motorcycles, all-terrain vehicles (ATVs), snowmobiles, jet skis, boats, RVs, campers and more. For specific coverage details, a VIU by HUB Advisor can readily share all the available carrier options as well as relevant details that can vary based on location and other factors.
VIU by HUB Advisors are insurance experts trained to help you make smarter decisions about policies, coverage and personal protection. With non-biased, carrier-neutral policy guidance, same-day finalization and ongoing advice whenever you need it, we’re here to help simplify insurance for you every step of the way.
Condo insurance may not be legally necessary, but it protects the financial investment you’ve made in your home and is often required by mortgage lenders.
Coverage is generally specific to the individual policyholder and their property. Some policies may allow adding a roommate, but each person's belongings and liabilities are generally better covered under their own separate policy.
If you’re looking to obtain or compare quotes, please contact a VIU by HUB Advisor to quickly review policy options for all kinds of personal insurance including homeowners, auto, life, renters, condo, landlord, pet, toy, umbrella and more. For a website navigation issue, please reach out to the VIU by HUB Technical Support Team by filling out the contact form on this page.
Fetch pet insurance covers cats and dogs for:
- Future illnesses and injuries
- Emergency vet visits
- Consultations
- MRIs
- Anxiety medication
- Pet prescriptions, and more.
For routine and preventative care like dental cleanings, check-ups and flea, tick and heartworm prevention, Fetch now also offers extended coverage with the Fetch Wellness add-on.
Under one simple plan, Asurion provides device protection and support on any make, age or size for the following eligible devices:
- LED, LCD and Plasma TVs
- Gaming systems and remote controllers
- Audio headsets; DVD and Blu-Ray Players
- Home theater systems in a box (including receivers, subwoofers, amplifiers, tuners, speakers and sound bars)
- Desktop computers (including modem, mouse, keyboard, wired speaker and external monitors), laptops, tablets, and e-readers
- Printers, external hard drives, routers, audio/video streaming devices, smart speakers
- Smart thermostats, smart smoke and carbon monoxide detectors
- Smart door locks, smart video doorbells, smart light dimmer
- Smart home security camera
- Smart watches, and health and fitness bands
Whew! That is a lot of coverage for less than $1 a day!
Term life insurance is a type of life insurance policy that provides coverage for a specific period or term, such as 10, 20 or 30 years. If the policyholder passes away during the term, the policy pays out a death benefit to the beneficiaries. This type of insurance is often chosen for its simplicity and lower premiums compared to other types of life insurance. It's typically used to cover specific financial responsibilities like a mortgage or education expenses. A VIU by HUB Advisor can help you compare term life insurance quotes quickly and easily.
Universal life insurance is a type of permanent life insurance with more flexibility than whole life insurance. It provides a death benefit and includes a savings component but allows policyholders to adjust their premium payments and death benefits within certain limits. The cash value of the policy earns interest and the policyholder can use the value to pay premiums or let it accumulate. A VIU by HUB Advisor can help you compare universal life insurance quotes quickly and easily.
Condo insurance is different from homeowners insurance mainly because of the ownership structure. In a condo, you own the interior of your unit while the homeowners association (HOA) usually owns and insures the exterior and common areas.
Compare condo quotes in minutes
We recommend reviewing your auto insurance policy annually, around when renewal periods occur, or when you go through a life change like:
- Buying or selling a vehicle
- Getting married or divorced
- Adding a new driver (like a spouse or teenager)
- Moving to a new address (especially in a different state)
- Significant fluctuations in your credit score
- Substantial changes in your commute or the usage of your vehicle
VIU by HUB Advisors always look out for your best interests, so whether you’re looking to switch carriers, add coverages or need help getting insured for the first time, we’ll be sure to find you the protection you need at the best possible rate.
A homeowners insurance policy is designed for properties where the owner resides, while landlord insurance is meant for properties that are rented out to tenants. Landlord policies provide coverage for loss of rental income, which homeowners policies typically don’t. They might also offer broader liability coverage, taking into account that renters occupy the property. Finally, a landlord policy generally only covers the building’s structure and any appliances or furnishings owned by the landlord, but not the tenants' possessions.
Auto insurance rates are determined by various factors like the driver’s age, driving history, location, type of car and levels of coverage.
Read “How to compare car insurance quotes”
Read “How telematics could lower your auto insurance premium”
Motorcycle insurance typically covers other riders, but this can vary based on your insurance carrier and policy specifics. Coverages like bodily injury liability, uninsured/underinsured motorist, and medical payments can make sure that you, guest riders and other people stay financially protected if something goes wrong or an accident happens. To fully understand the extent of your coverage, it's crucial to review your policy carefully and consult with a VIU by HUB Advisor.
Please reach out to the VIU by HUB Technical Support Team by filling out the contact form.
Standard homeowners insurance policies typically do not cover flood or earthquake damage. Flood Insurance is available through the Federal Emergency Management Agency’s National Flood Insurance Program. Depending on your needs, a VIU by HUB Advisor can get you coverage against flooding as well as earthquakes and hurricanes.
Yes, using your second home as a vacation property, long- or short-term rental will affect your policy options and premiums. A VIU by HUB Advisor can help you pinpoint and compare specific second home insurance policies that would best serve your situation.
If you regularly rent out your property on platforms like Airbnb, traditional homeowner's insurance might not provide sufficient coverage. While Airbnb does offer a "Host Guarantee" and "Host Protection Insurance," these do not replace the need for your own insurance because there may be gaps in what Airbnb's coverage offers and what actually happens.
Some homeowners policies might exclude short-term rentals from coverage, meaning you’d be unprotected if a claim arose during an Airbnb guest’s stay. If you're an Airbnb host or considering becoming one, you may need landlord insurance or a policy specifically designed for short-term rentals. A VIU by HUB Advisor can help.
Insurance claims are handled by your insurance carrier and most claims service centers are open 24/7.
A free online account grants you access to your own personal insurance dashboard, without having to first purchase a policy through VIU by HUB. Once you've signed in, you can import your existing policies for easy viewing, management and updates - all in one place.
We may use “cookies” and other technologies such as web beacons to better understand user behavior, which parts of our websites people have visited, to facilitate and measure the effectiveness of advertisements and web searches and for security and fraud prevention purposes.
No, Asurion Appliance Protect will not impact your homeowners insurance. Instead, it is designed to complement your coverage by protecting your eligible home appliances.
This depends on your insurance policy. Some policies may cover certain types of optional equipment, but it's important to check your policy and potentially add additional coverage for expensive customizations. A VIU by HUB Advisor can make sure you and your motorcycle are properly covered for whatever you may need.
The cost of life insurance depends on several factors, including the type of policy, the amount of coverage, the policyholder's age, health, lifestyle and the length of the policy term for term life insurance. Generally, term life insurance is less expensive than whole or universal life insurance. Getting quotes from multiple insurers is the best way to determine the specific cost for your situation. A VIU by HUB Advisor can help you compare policies to find the best price and coverage package.
Determining the right amount of insurance coverage for your needs involves assessing various personal, geographical and financial factors to make sure you’re adequately protected. For auto and liability insurance, it’s important to weigh your driving habits and the value of your vehicle and consider what is enough coverage to protect your assets in case of a lawsuit. For homeowners insurance, if you live in an area prone to natural disasters, you might need extended coverage for your property. A VIU by HUB Advisor can help you break down the specifics and find the most relevant options for your needs.
VIU by HUB makes money through commissions earned when you buy a policy from one of our insurance carrier partners. In some cases, VIU by HUB may refer you to partner providers. When that happens, we collect a referral fee. Other VIU by HUB services are provided to you at no additional cost, because HUB is paid through the commissions we receive from insurers.
It's wise to review your policy annually or whenever you make significant changes to your home or belongings. VIU by HUB Advisors always look out for your best interests, so whether you’re looking to switch carriers, add coverages or need help getting insured for the first time, we’ll be sure to find you the protection you need at the best possible rate.
The plan covers any size or brand of most major appliances, including refrigerators, freezers, dishwashers, ranges and cooktops, ovens, built-in microwaves, washing machines, and dryers.
A VIU by HUB Advisor can work with you to revise your coverage limits or find a new policy that better fits your needs.
Asurion Appliance Protect plan has a monthly cost of $34.99, plus any applicable taxes and billed monthly to your credit or debit card on file.
A landlord insurance policy typically covers property damage, loss of rental income and liability if a tenant or guest is injured on the property. A VIU by HUB Advisor can walk you through any details as well as additional coverage options like rent guarantee insurance, natural disaster coverage, employer's liability (if you employ someone who works on the property) and legal expense coverage.
Standard condo insurance policies have limits for certain types of valuables. For high-value items, you might need additional coverage or endorsements. A VIU by HUB Advisor can make sure to add specialized coverage to your policy for any valuables you may have.
Nope. You can create a free account to import and manage your existing personal insurance policies. And if you're looking to renew or extend your coverage, VIU by HUB Advisors are standing by to offer carrier-neutral guidance and answer any of your insurance-related questions or concerns.
Condo insurance typically covers personal property, liability, permanent fixtures, loss of use (if your condo becomes uninhabitable due to a covered loss) and, at times, loss assessment for claims against the community's master policy. A VIU by HUB Advisor can make sure to include the coverages you’ll need in your condo insurance policy.
Umbrella insurance is beneficial for anyone who has assets that could be at risk in a lawsuit. This includes homeowners, car owners, landlords and individuals with significant savings or investments. If your potential loss from a lawsuit exceeds the coverage of your existing policies, umbrella insurance can provide the extra protection needed. A VIU by HUB Advisor can help you understand and compare umbrella insurance quotes quickly and easily.
Whether full coverage makes sense for you depends on several factors, such as the value of your motorcycle, your riding habits and your financial situation. If your motorcycle is expensive or new, full coverage can protect your investment. But for older, less valuable bikes, the cost of full coverage may not be the best option. A VIU by HUB Advisor can help you find the right motorcycle insurance that’s best for your needs.
Fetch pet insurance policies are priced depending on your pet’s age, breed and location. On average, policies for cats run approximately $20 per month and $35 per month for dogs.
While your landlord's insurance typically covers the building itself, it doesn't tend to cover a tenant’s personal belongings in case of damage or theft – or liability if someone is injured in your space. Renters insurance helps fill that gap to keep you financially protected against the unexpected.
Our pet insurance partner Fetch provides the most comprehensive dental coverage in the industry. Unlike other providers, they cover injury and disease in every adult tooth – not just the canines. Plus, you get full coverage for gum disease (the most common disease in dogs and cats), oral tumors, trauma and more. And for routine and preventive care, it's possible to include dental cleaning coverage with Fetch Wellness add-on.
The cost of umbrella insurance is relatively low compared to the amount of coverage it provides. Premiums vary based on several factors, including the amount of coverage, the policyholder's risk factors and their underlying policy limits. Generally, a $1 million umbrella policy can cost between $150 to $300 per year with additional coverage increasing the premium. Reach out to a VIU by HUB Advisor at 833-495-2748 to get options with the right coverage and price point for your needs.
While landlord insurance isn't typically mandated by law, the amount you should have depends on the value of the property, potential rebuilding costs, the level of liability risk you're willing to assume and the requirements set by your mortgage lender. A VIU by HUB Advisor can help determine the right amount of coverage for your situation.
A deductible is the amount you pay out of pocket for a covered loss before your insurance policy begins to pay. Generally, a higher deductible leads to a lower premium, since you're assuming more of the financial responsibility in the event of a claim. Lower deductibles result in higher premiums because the insurance company takes on a greater share of the risk.
Choosing the right deductible is a balance between what you can afford to pay out of pocket and the premium you're willing to pay while avoiding financial strain in the event of a claim. A VIU by HUB Advisor can help you determine the deductible amounts that make the most sense for your needs.
Read “How do home insurance deductibles work?”
Read “What you should know about renters insurance deductibles”
Whether you have coverage for water damage depends on your specific recreational toy insurance policy. Some policies, especially those for watercraft like boats and jet skis, may include water damage coverage. However, it's important to review any policy details with your VIU by HUB Advisor to make sure you’re covered for what you need.
It may be possible to lower your condo insurance premium by adding certain security features to your condo or by opting for a higher deductible. When purchasing a policy through VIU by HUB, an advisor will be sure to apply any available discounts before finalizing.
VIU by HUB works with over 50 insurance carriers, including Travelers, Nationwide, Safeco, Hartford, Liberty Mutual, Progressive and more.
From carrier-neutral policy guidance to finalization and ongoing advice, our services are free of charge. We’re independent digital insurance agents, which means we don’t sell policies issued by our own insurance company. Instead, we identify policies that are specifically relevant and right for you. And thanks to our A-rated insurance carrier partners – which means they’re top-ranked in financial strength and ability to pay claims – we’re able to offer their policies at the best possible price.
Insuring a motorcycle isn't necessarily a challenge, but often motorcycles are hard to insure for high-risk riders, like those with a history of accidents or traffic violations. It can also be tricky for high-performance or custom bikes, but an expert VIU by HUB Advisor can get you the right motorcycle insurance in no time.
VIU by HUB offers a variety of personal insurance policies, including instant digital quotes for auto, homeowner, renters, condo, life and pet. We also offer second home, umbrella, boat, bike, RV and many other kinds of policies by phone. We do not offer personal, individual or group medical health policies.
The amount of coverage you need depends on the value of your personal belongings and the level of liability protection you wish to have. Conducting a home inventory can give you a better idea of how much coverage you need for your possessions, but VIU by HUB Advisor can help you determine the specifics.
An umbrella policy is a type of liability insurance that provides additional coverage beyond the limits of the policyholder's standard insurance policies, like home or auto insurance. It kicks in when the liability limits of these other policies have been reached. An umbrella policy can help protect your assets from large and potentially devastating liability claims or judgments. A VIU by HUB Advisor can help you understand and compare umbrella insurance quotes quickly and easily.
Your privacy is our priority, and we will never sell your data or spam you. When we ask you to enter your personal and carrier information into the VIU by HUB app, it’s so we can import your insurance policies into your dashboard for easy access.
When comparing quotes, info like your birth date may significantly influence the price of your premiums. Your name and email enable us to create your personal insurance dashboard if you choose to purchase a policy on VIU by HUB. Lastly, your phone number lets us reach out to help you make the most informed insurance decisions.
What makes VIU by HUB different is we look out for your best interests by combining trusted industry expertise with transparent options and an intuitive platform that displays all your personal insurance policies in one place. We do the work for you, so you can compare quotes fast before making informed coverage decisions for yourself and for your family.
Common auto insurance coverages are liability, collision, comprehensive, uninsured/underinsured motorist, medical payments and personal injury protection.
Read "Auto accident coverage and adding additional coverage”
While some homeowners or auto insurance policies may offer limited coverage for recreational toys, this coverage is often not as comprehensive as a dedicated recreational toy insurance policy. For full protection, a specific policy for the recreational toy in question is recommended, especially for high-value items or those used frequently.
For now, only cats and dogs are eligible for a pet insurance policy with Fetch.
You should trust VIU by HUB because our parent company HUB International has been serving customers for 25 years, consistently ranked as one of the top five insurance brokerages worldwide. And with over 50 insurance company partners and more than 475 offices in North America, we’re fully equipped and ready to serve you for the next 25 years and beyond.
VIU by HUB works by providing customized quotes from among the leading insurance carriers to find you the most relevant policies at the lowest possible price. As your insurance needs changes and you move through life, VIU by HUB will be there to help make sure that you’re always getting the coverage you need. And with the VIU by HUB mobile app and a free account, you can store multiple policies all in one place for easy access and review.
Pet insurance from Fetch is a health insurance policy for your pet that helps to mitigate the costs associated with veterinary care. It can cover unexpected accidents and illnesses, offering financial protection for pet owners against large, unforeseen medical expenses. Fetch Wellness, an extended coverage add-on for routine and preventive care like vaccines and dental cleanings, is also available.
Adding or removing someone from your auto insurance policy is easy to do, but it may impact your rates. An advisor or carrier rep can get that sorted out for you in no time.
Loss Assessment coverage is an additional feature that covers your share of an HOA assessment. It protects you against charges incurred due to community property damages that exceed the master policy's limits. A VIU by HUB Advisor can be sure to include this in your policy when purchasing insurance through us.
What makes VIU by HUB different is we look out for your best interests by combining trusted industry expertise with transparent options and an intuitive platform that displays all your personal insurance policies in one place. We do the work for you, so you can compare quotes fast before making informed coverage decisions for yourself and for your family.
VIU by HUB Advisors are state-licensed agents with years of brokerage experience, meaning they’re equipped to find the best policy options for your budget and needs. Before working with you, our insurance experts complete a six-week training course specific to VIU by HUB’s superior standards and enroll in ongoing education to stay on top of changing requirements and developments within the insurance industry.
After filing an auto insurance claim, your insurer will assign a claims adjuster to investigate. They'll review any police reports, inspect vehicle damage, interview involved parties and determine fault. Depending on their findings, you'll receive a settlement offer covering repairs, replacements or medical expenses as applicable. If you agree, you'll be compensated; if not, you can negotiate. If you’re found to be at fault, your premiums might increase at the next renewal; if another party was responsible, your insurer might seek reimbursement from them or their insurance provider.
The cost of renters insurance varies depending on factors like the amount of coverage you need, your location, and the insurance provider. However, it’s generally affordable, with many policies ranging between $15-$30 per month.
The duration of an insurance claim process can vary depending on factors like the type of insurance you’re dealing with, the complexity of the claim, the efficiency of your insurance company and the specific circumstances of the claim. A simple insurance claim might be resolved in a few days to a few weeks, while more complex cases can take several months.
Minor auto accident claims generally take a few days to a couple of weeks to be resolved, for instance, whereas homeowners insurance claims can take longer. If there’s significant property damage, home insurance claims can take a few weeks to several months to fully process.
Read “How to prevent a homeowners insurance claim from being denied”
The amount of condo insurance you need will depend on various factors like the value of your personal property, the coverage level of your community’s master policy and any lender requirements if you have a mortgage. A VIU by HUB Advisor can help you determine the proper amount of protection for your unique situation.
Please dial 911 in case of an emergency. Otherwise, each insurance policy provides specific information on how and when to report a claim.
You can create a free online account to enjoy VIU by HUB's features and benefits by providing your name, email address and phone number on our account sign-up page.
The amount of coverage you should carry depends on the value of your motorcycle, your tolerance for risk and your personal financial situation. It's a good idea to carry enough liability coverage to protect your assets and to consider collision and comprehensive coverage for higher-value motorcycles. A VIU by HUB Advisor can help you determine exactly how much coverage is best for your unique needs.
We’ve partnered with Canopy Connect to provide a secure way to verify and import your insurance policies. After signing up for a VIU by HUB account and accessing your dashboard, you’ll see a prompt to import your policy. You’ll then be asked to enter the name of your insurance carrier and login info so we can pull in your policy details.
Generally, yes. This is because second homes are often considered higher risk for reasons like being left vacant for extended periods of time. The location, home condition, security features and frequency of occupancy can all affect premiums. A VIU by HUB Advisor can provide the most relevant options for your needs and your unique vacation home.
Standard homeowners insurance policies generally include coverage for the structure of your home, personal belongings, liability protection and additional living expenses incurred if a covered loss renders your home temporarily uninhabitable.
If you recently changed your email address, please contact the VIU by HUB Advisory Team at 833-495-2748 to notify them of any changes. If you have not changed your email address, this may be a website issue, and you can reach out to the VIU by HUB Technical Support Team by filling out the contact form above.
The Asurion Appliance Protect plan is a service contract that provides coverage for your eligible major appliances for a low monthly charge. It provides an easy claims process, quick enrollment, and no hidden fees.
Asurion Appliance Protect is different from a product warranty provided by a manufacturer. It does not extend the term of any manufacturer’s warranty.
If you have an issue with a covered appliance and your claim is approved, you will pay a flat fee of $99, plus applicable taxes, to get the appliance serviced.
Auto insurance is a contract between you and an insurance company that provides financial protection against physical damage, bodily injury and liability resulting from accidents.
Homeowners insurance policy rates generally depend on the value and age of the home, deductible amounts, coverage limits and other factors like location specifics.
Read “Surprising things that lower your homeowners insurance”
Yes. After importing an existing insurance policy or purchasing one through VIU by HUB, you'll be able to see basics like policy numbers and key dates plus coverage details, carrier information and related documents like your insurance ID card, declarations and more.
We maintain technical and organizational security measures that are designed to protect the security of your personal information against loss, misuse, unauthorized access, disclosure or alteration. If you have reason to believe that this data is no longer secure, please notify our Chief Legal Officer by calling 866-415-2207 or sending an email to privacy.compliance@hubinternational.com.
Please follow the instructions provided on the error message and, if trying to compare quotes, call a VIU by HUB Advisor at 833-495-2748. You can also visit our technical support page to try and troubleshoot common website issues, or fill out the contact form to get in touch with the VIU by HUB Technical Support Team for website assistance.
VIU by HUB is a new kind of digital insurance platform, dedicated to meeting your unique personal insurance needs. Whether you need a new policy or want to look at your existing coverage, our advisors and easy-to-use platform make sure you get the most value from the right options for you and your family.
Sorry, no. Any preexisting damaged devices are not covered under the plan prior to enrollment. If you need a repair on a device that was damaged prior to enrollment or that is not covered under Asurion's Home+, uBreakiFix by Asurion stores can assist you with a repair. Feel free to schedule a service online or visit one of the 700+ stores.
Please see the Asurion's Home+ Terms and Conditions for complete program details.
Typically, insuring a motorcycle can be cheaper than a car due to the motorcycle's lower value. However, the actual cost depends on factors like the motorcycle's model and location as well as the rider's age and experience.
Some motorcycle insurance policies may cover safety equipment like helmets and protective gear, either as a standard or with additional coverage. A VIU by HUB Advisor can make sure to verify this with your insurance provider.
Standard second home insurance policies generally include coverage for the structure of your home, personal belongings, liability protection and additional living expenses incurred if a covered loss renders your home temporarily uninhabitable. A VIU by HUB Advisor can help you understand and compare the right second home insurance quotes for your needs.
Whole life insurance is a type of permanent life insurance that provides coverage for the policyholder's entire life, as long as premiums are paid. In addition to the death benefit, it includes a savings component known as cash value, which grows over time and can be borrowed against. Whole life insurance typically has higher premiums than term life insurance but offers lifelong coverage and the ability to accumulate cash value. A VIU by HUB Advisor can help you compare whole life insurance quotes quickly and easily.
Whether you need life insurance depends on your personal and financial circumstances. If you have dependents, significant debts or want to leave a financial legacy, life insurance can provide financial security for your beneficiaries. It's particularly important for those whose death would create a financial burden, such as loss of income, for others. A VIU by HUB Advisor can help you compare policies and find the right life insurance in no time.
Depending on when it was sent, your email confirmation may be expired. Please try and resend the confirmation by following the same steps and be sure to check your spam folder in case the message was redirected. If that doesn’t work, please reach out to the VIU by HUB Technical Support Team by filling out the contact form on this page.
Depending on the nature of your rental activity, you may need a landlord policy. Landlord insurance offers different protections compared to a standard second home policy, which might include coverage for short-term rentals. A VIU by HUB Advisor can walk you through all your relevant options after discussing your unique second home situation and needs.
About us
VIU by HUB is a new kind of digital insurance platform, dedicated to meeting your unique personal insurance needs. Whether you need a new policy or want to look at your existing coverage, our advisors and easy-to-use platform make sure you get the most value from the right options for you and your family.
VIU by HUB offers a variety of personal insurance policies, including instant digital quotes for auto, homeowner, renters, condo, life and pet. We also offer second home, umbrella, boat, bike, RV and many other kinds of policies by phone. We do not offer personal, individual or group medical health policies.
VIU by HUB works with over 50 insurance carriers, including Travelers, Nationwide, Safeco, Hartford, Liberty Mutual, Progressive and more.
What makes VIU by HUB different is we look out for your best interests by combining trusted industry expertise with transparent options and an intuitive platform that displays all your personal insurance policies in one place. We do the work for you, so you can compare quotes fast before making informed coverage decisions for yourself and for your family.
How VIU works
You should trust VIU by HUB because our parent company HUB International has been serving customers for 25 years, consistently ranked as one of the top five insurance brokerages worldwide. And with over 50 carrier partners and more than 475 offices in North America, we’re fully equipped and ready to serve you for the next 25 years and beyond.
VIU by HUB works with over 50 insurance carriers, including Travelers, Nationwide, Safeco, Hartford, Liberty Mutual, Progressive and more.
VIU by HUB is a new kind of digital insurance platform, dedicated to meeting your unique personal insurance needs. Whether you need a new policy or want to look at your existing coverage, our advisors and easy-to-use platform make sure you get the most value from the right options for you and your family.
VIU by HUB works by providing customized quotes from among the leading insurance carriers to find you the most relevant policies at the lowest possible price. As your insurance needs changes and you move through life, VIU by HUB will be there to help make sure that you’re always getting the coverage you need. And with the VIU by HUB mobile app and a free account, you can store multiple policies all in one place for easy access and review.
Our VIU by HUB Advisors are licensed insurance specialists and experienced agents who will strive to provide you with the best advice on policies, coverages and carriers.
VIU by HUB is free.
We’re independent digital insurance agents, which means we don’t sell policies issued by our own insurance company. Instead, we identify policies that are specifically relevant and right for you. And thanks to our A-rated insurance carrier partners – which means they’re top-ranked in financial strength and ability to pay claims – we’re able to offer their policies at the best possible price.
VIU by HUB makes money through commissions earned when you buy a policy from one of our insurance carrier partners. In some cases, VIU by HUB may refer you to partner providers. When that happens, we collect a referral fee. Other VIU by HUB services are provided to you at no additional cost, because HUB is paid through the commissions we receive from insurers.
Policies
Yes. After importing an existing insurance policy or purchasing one through VIU by HUB, you'll be able to see basics like policy numbers and key dates plus coverage details, carrier information and related documents like your insurance ID card, declarations and more.
We’ve partnered with Canopy Connect to provide a secure way to verify and import your insurance policies. After signing up for a VIU by HUB account and accessing your dashboard, you’ll see a prompt to import your policy. You’ll then be asked to enter the name of your insurance carrier and login info so we can pull in your policy details.
No, your VIU by HUB account number is not the same as your policy number. Your policy number is an alpha-numeric code unique to each individual policy assigned by your insurance carrier. Meanwhile, your account number is a 10-digit number associated with your VIU by HUB online insurance portfolio management account. If you have any questions about your policy or payment plan, one of our advisors will be happy to help.
Coverages
Determining the right amount of insurance coverage for your needs involves assessing various personal, geographical and financial factors to make sure you’re adequately protected. For auto and liability insurance, it’s important to weigh your driving habits and the value of your vehicle and consider what is enough coverage to protect your assets in case of a lawsuit. For homeowners insurance, if you live in an area prone to natural disasters, you might need extended coverage for your property. A VIU by HUB Advisor can help you break down the specifics and find the most relevant options for your needs.
A deductible is the amount you pay out of pocket for a covered loss before your insurance policy begins to pay. Generally, a higher deductible leads to a lower premium, since you're assuming more of the financial responsibility in the event of a claim. Lower deductibles result in higher premiums because the insurance company takes on a greater share of the risk.
Choosing the right deductible is a balance between what you can afford to pay out of pocket and the premium you're willing to pay while avoiding financial strain in the event of a claim. A VIU by HUB Advisor can help you determine the deductible amounts that make the most sense for your needs.
Read “How do home insurance deductibles work?”
Read “What you should know about renters insurance deductibles”
A VIU by HUB Advisor can work with you to revise your coverage limits or find a new policy that better fits your needs.
After creating a VIU by HUB account and importing your existing insurance policies, we’ll sync the coverage details for easy access from your personal dashboard. If you’re having trouble viewing your policy details, please reach out to the VIU by HUB Technical Support Team by filling out the contact form on our help page.
Claims
After you file a claim and report a loss, an insurance adjuster will come to inspect the damage and determine how much your insurance company should pay for the repair or replacement.
The time frame for filing an insurance claim after an incident, known as the "claim filing window," varies depending on the type of insurance and the specific terms of your policy. Generally, it's advisable to file a claim as soon as possible, but here are some typical guidelines:
- Auto insurance – Most policies require that you report an accident within a few days to a few weeks, but for filing a claim, you might have a longer window.
- Homeowners insurance – For property damage, it's usually recommended to file a claim within one year of the incident. Some policies might have shorter time frames, so it's important to check your policy details.
- Life insurance – For life insurance, beneficiaries generally have no time limit to file a claim. However, prompt filing is advised to expedite the benefits process.
The duration of an insurance claim process can vary depending on factors like the type of insurance you’re dealing with, the complexity of the claim, the efficiency of your insurance company and the specific circumstances of the claim. A simple insurance claim might be resolved in a few days to a few weeks, while more complex cases can take several months.
Minor auto accident claims generally take a few days to a couple of weeks to be resolved, for instance, whereas homeowners insurance claims can take longer. If there’s significant property damage, home insurance claims can take a few weeks to several months to fully process.
Read “How to prevent a homeowners insurance claim from being denied”
Insurance claims are handled by your insurance carrier and most claims service centers are open 24/7.
Please dial 911 in case of an emergency. Otherwise, each insurance policy provides specific information on how and when to report a claim.
Security and data collection
Your privacy is our priority, and we will never sell your data or spam you. When we ask you to enter your personal and carrier information into the VIU by HUB app, it’s so we can import your insurance policies into your dashboard for easy access.
When comparing quotes, info like your birth date may significantly influence the price of your premiums. Your name and email enable us to create your personal insurance dashboard if you choose to purchase a policy on VIU by HUB. Lastly, your phone number lets us reach out to help you make the most informed insurance decisions.
You should trust VIU by HUB because our parent company HUB International has been serving customers for 25 years, consistently ranked as one of the top five insurance brokerages worldwide. And with over 50 insurance company partners and more than 475 offices in North America, we’re fully equipped and ready to serve you for the next 25 years and beyond.
Personal information, such as your birth date, may significantly influence the quote price that carriers can provide to you. Your name and email enable us to create your personal insurance dashboard if you choose to purchase a policy through VIU by HUB. And your phone number lets us reach out and assist you in making the most informed insurance decisions.
We maintain technical and organizational security measures that are designed to protect the security of your personal information against loss, misuse, unauthorized access, disclosure or alteration. If you have reason to believe that this data is no longer secure, please notify our Chief Legal Officer by calling 866-415-2207 or sending an email to privacy.compliance@hubinternational.com.
We may use “cookies” and other technologies such as web beacons to better understand user behavior, which parts of our websites people have visited, to facilitate and measure the effectiveness of advertisements and web searches and for security and fraud prevention purposes.
Advisors
Renters insurance is a type of insurance policy that covers a tenant’s personal property in a rented apartment, condo or home. It usually also provides liability protection and loss of use coverage if you're not able to remain in your rental due to a covered event.
Auto insurance provides financial protection in the event of accidents or theft. Most jurisdictions require basic coverage for drivers to legally operate a vehicle. Risks, requirements and legal specifics vary by state, so it’s best to read up on the particulars related to where you live. VIU by HUB offers auto insurance options and information for all 50 states.
Asurion's Home+ coverage provides personalized technical support by experts on home technology. If you’re having an issue with any eligible household product, you can contact an Asurion Expert for help.
You’ll get expert technical support for all of your eligible products and those that connect to them.
You can get help with:
- Connecting your household
- Wi-Fi devices
- Setting up new devices and accessories
- Using and getting the most out of your devices and accessories
- Troubleshooting your devices if you run into an issue and more
Asurion Experts can solve most tech issues in just one call. Additionally, Asurion Experts will make recommendations on how to optimize your devices for your lifestyle.
Personal information, such as your birth date, may significantly influence the quote price that carriers can provide to you. Your name and email enable us to create your personal insurance dashboard if you choose to purchase a policy through VIU by HUB. And your phone number lets us reach out and assist you in making the most informed insurance decisions.
Many insurers offer discounts for being claim-free or if you have certain safety measures in place like smoke detectors, fire extinguishers, security cameras, burglar alarms, or deadbolt locks. When purchasing a policy through VIU by HUB, an advisor will be sure to apply any available discounts before you make your first payment.
Read “Surprising things that lower your homeowners insurance”
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Insuring a motorcycle differs from a car due to the distinct risks involved. Motorcycles are more exposed and vulnerable on the road, leading to different insurance considerations such as higher injury risk and a different structure of liability and collision coverage.
You should trust VIU by HUB because our parent company HUB International has been serving customers for 25 years, consistently ranked as one of the top five insurance brokerages worldwide. And with 25+ carrier partners and more than 475 offices in North America, we’re fully equipped and ready to serve you for the next 25 years and beyond.
Neutering is covered by Fetch Wellness, an add-on coverage for routine and preventive care.
You should trust VIU by HUB because our parent company HUB International has been serving customers for 25 years, consistently ranked as one of the top five insurance brokerages worldwide. And with over 50 carrier partners and more than 475 offices in North America, we’re fully equipped and ready to serve you for the next 25 years and beyond.
If you’re found to be at fault in an accident, your liability coverage will pay for legal fees and the other party’s property damage and medical expenses, up to your policy limits. This may also lead to an increase in your auto insurance rates.
Read “Injury, information, insurance: What to do after a hit and run”
After you file a claim and report a loss, an insurance adjuster will come to inspect the damage and determine how much your insurance company should pay for the repair or replacement.
Our pet insurance partner Fetch covers vaccinations from rabies to canine Bordetella and feline FELV with Fetch Wellness, an extended coverage add-on for routine and preventive care.
The time frame for filing an insurance claim after an incident, known as the "claim filing window," varies depending on the type of insurance and the specific terms of your policy. Generally, it's advisable to file a claim as soon as possible, but here are some typical guidelines:
- Auto insurance – Most policies require that you report an accident within a few days to a few weeks, but for filing a claim, you might have a longer window.
- Homeowners insurance – For property damage, it's usually recommended to file a claim within one year of the incident. Some policies might have shorter time frames, so it's important to check your policy details.
- Life insurance – For life insurance, beneficiaries generally have no time limit to file a claim. However, prompt filing is advised to expedite the benefits process.
No, your VIU by HUB account number is not the same as your policy number. Your policy number is an alpha-numeric code unique to each individual policy assigned by your insurance carrier. Meanwhile, your account number is a 10-digit number associated with your VIU by HUB online insurance portfolio management account. If you have any questions about your policy or payment plan, one of our advisors will be happy to help.
Our VIU by HUB Advisors are licensed insurance specialists and experienced agents who will strive to provide you with the best advice on policies, coverages and carriers.
Ideally, your home insurance coverage limits should be high enough to cover the cost of rebuilding your home and replacing your personal belongings in the event of a total loss. A VIU by HUB Advisor can help determine how high your limits should be, including cost considerations associated with potential liability claims.
When it comes to pet insurance quotes and policies, we trust Fetch to get you the best customer experience and coverage options on the market. From quoting and onboarding to customer support and claims, Fetch — rated ‘Excellent’ on Trustpilot — will assist with your pet insurance policy every step of the way.
Homeowners insurance provides coverage for damage to your home and personal property, as well as liability coverage for certain incidents that occur on your property.
Umbrella insurance typically covers liabilities that go beyond the limits of your standard insurance policies. This includes bodily injury, property damage, certain lawsuits and personal liability situations. For example, if you're found liable for a car accident and the damages exceed your auto insurance coverage, your umbrella policy can cover the additional costs.
A master policy is the insurance policy held by the condo association or HOA. It usually covers the building's exterior and common areas. Understanding what the master policy covers can help you decide how much coverage you need for your own condo insurance.
Umbrella policies do not cover everything. Exclusions typically include personal property damage that the policyholder causes intentionally, liability incurred in business or professional activities (this requires a separate business liability policy), criminal or fraudulent actions, and liability related to contracts or agreements signed by the policyholder. A VIU by HUB Advisor can breakdown policy details to make it easy to understand any exclusions.
Yes. After importing an existing insurance policy or purchasing one through VIU by HUB, you'll be able to see basics like policy numbers and key dates plus coverage details, carrier information and related documents like your insurance ID card, declarations and more.
VIU by HUB Advisors are here to simplify insurance and help you make better policy decisions every step of the way. We:
- Assess and prioritize your individual insurance needs
- Research the best policies and coverages to fit those needs
- Communicate key insurance details clearly and easily
- Help you understand policy terms and conditions
- Assist with paperwork, policy set-up and finalization
- Offer ongoing support, like help with claims, renewals, policy adjustments and more.
Umbrella insurance typically covers liabilities that go beyond the limits of your standard insurance policies. This includes bodily injury, property damage, certain lawsuits and personal liability situations. For example, if you're found liable for a car accident and the damages exceed your auto insurance coverage, your umbrella policy can cover the additional costs.
After creating a VIU by HUB account and importing your existing insurance policies, we’ll sync the coverage details for easy access from your personal dashboard. If you’re having trouble viewing your policy details, please reach out to the VIU by HUB Technical Support Team by filling out the contact form on our help page.
Condo insurance is a specific type of insurance policy designed to cover condo owners for a variety of risks, including liability for injuries that occur within their unit as well as damage to their personal property and permanent fixtures like cabinetry, wall coverings and more.
VIU by HUB Advisors can help you save money by comparing various insurance policies to find the most cost-effective to meet your needs. And when it comes to finalizing your policy, we’ll also apply any discounts that may be available and relevant to you.
Asurion Home+ is a device protection plan and so much more! Asurion's Home+ provides technical support and protection for your eligible home tech, like your flat-screen TV, laptop, gaming consoles, and more. This plan is a service contract that is different from a product warranty provided by a manufacturer. It does not extend the term of any manufacturer’s warranty.
With an Asurion's Home+ plan, you get:
- Expert technical advice and support for the technology in your household.
- Protection for your eligible products, which provides coverage for mechanical and electrical malfunctions, like if your device won’t turn on.
Standard second home insurance policies generally include coverage for the structure of your home, personal belongings, liability protection and additional living expenses incurred if a covered loss renders your home temporarily uninhabitable. A VIU by HUB Advisor can help you understand and compare the right second home insurance quotes for your needs.
Yes, recreational toy insurance is different from auto insurance. While both provide protection against accidents and damage, recreational toy insurance is tailored to the unique risks associated with specific recreational vehicles and activities which are not covered under standard auto insurance policies. A VIU by HUB Advisor can help you find the right policy for your unique needs.
The cost of recreational toy insurance varies depending on the type of toy, its value, where it's used and the owner's driving history. Factors like the level of coverage desired and any additional endorsements for specific risks like theft and natural disasters can also impact the price. With a rundown of your details, a VIU by HUB Advisor can help you compare quotes with the most accurate pricing.
VIU by HUB makes money through commissions earned when you buy a policy from one of our insurance carrier partners. In some cases, VIU by HUB may refer you to partner providers. When that happens, we collect a referral fee. Other VIU by HUB services are provided to you at no additional cost, because HUB is paid through the commissions we receive from insurers.
VIU by HUB is a new kind of digital insurance platform, dedicated to meeting your unique personal insurance needs. Whether you need a new policy or want to look at your existing coverage, our advisors and easy-to-use platform make sure you get the most value from the right options for you and your family.
Contact a VIU by HUB Advisor today to compare quotes from different insurers and get the best rate on a recreational toy insurance policy that meets all your unique needs. Increasing your deductibles can lower premiums, as can maintaining a good driving record, taking safety courses and installing safety measures like anti-theft devices and other features. If you only use your recreational toy seasonally, it’s also a good idea to ask your VIU by HUB Advisor about adjusted coverage options.
Read “How to lower motorcycle and boat premiums in the winter”
As state-licensed personal insurance brokers, we work independently and offer carrier-neutral policy guidance that puts your needs front and center. Insurance agents, on the other hand, typically represent one insurance company and sell policies from that company only. By partnering with multiple carriers, we’re able to provide a broader range of options to find just the right coverage for you and your family. And with ongoing advice whenever you need it, we help make sure you stay protected – today, tomorrow and beyond.
Motorcycle insurance includes coverage for a range of recreational vehicles. Digitally, we can help you compare quotes for:
- Street motorcycles
- Mopeds
- Scooters
- Trikes
- Golf carts
To compare quotes for off-road vehicle options like the following, please call a VIU by HUB Advisor at 833-495-2748:
- ATVs
- UTVs
- Dirt bikes
- Snowmobiles
- Non-registered golf carts
- Non-registered E-bikes
It’s possible that the insurance carrier you had in mind does not serve your specific area or location. In any case, a VIU by HUB Advisor would be happy to walk you through all the quotes, insurance companies and coverage options available to you. You can reach us Monday - Friday 8 a.m. to 9 p.m. ET at 833-495-2748.
No, auto insurance is not designed to cover motorcycles. Motorcycles require a separate insurance policy because they are considered a different type of vehicle with unique risks.
VIU by HUB is free.
We’re independent digital insurance agents, which means we don’t sell policies issued by our own insurance company. Instead, we identify policies that are specifically relevant and right for you. And thanks to our A-rated insurance carrier partners – which means they’re top-ranked in financial strength and ability to pay claims – we’re able to offer their policies at the best possible price.
Eligible products are covered due to failures for mechanical and electrical breakdown as a result of defects in materials and workmanship, normal wear and tear, dust heat and humidity, power surge failures and even Accidental Damage from Handling (ADH) like drops, spills and cracked screens on select portable electronics.
Eligible devices include:
Home Office:
- Desktops, laptops, and tablets (collectively referred to as “PC” or “PCs”). Each PC can include one (1) of each of the following: an associated external monitor, keyboard (wired or wireless), mouse (wired or wireless), modem and external desktop speaker set (wired). The PCs eligible for coverage under this Plan are those equipped with a Windows Operating System version Windows 7 or newer or Android version 1.6 or newer and Apple computers which are equipped with an Apple operating system version OS X (10) or newer or Chrome OS
- Home routers (wired or wireless)
- External hard drives
- Printers and multifunction printers
Home Entertainment:
- LCD, Plasma or LED Televisions (collectively referred to as “television” or “televisions”). Televisions include coverage for the original remote control
- Streaming devices (audio and video)
- Bluetooth and Wi-Fi enabled speakers
- Audio headsets
- Gaming systems. Gaming systems include the original remote controls
- DVD players, Blu-Ray players and portable DVD players (collectively referred to as “DVD Player” or “DVD players”)
- Virtual Reality Headset(s)
- Home theater systems that include any of the following if purchased as a set: a receiver, sound bar, speakers, BluRay player, amplifier, subwoofer, and tuner (collectively referred to as “home theater system in a box” or “home theater systems in a box”)
Smart Home Products:
- Smart Light Dimmer(s)
- Smart Device Hubs
- Smart Thermostat(s)
- Smart Smoke Detector(s)
- Smart Door Lock(s)
- Smart Home Security Camera(s)
- Smart Video Doorbell(s)
- Smart Carbon Monoxide Detector(s)
To read the full list of plan details, check out the Asurion Home+ Terms and Conditions.
Yes, you may cancel this service at any time. If you cancel within 30 days from your enrollment date, you will receive a full refund. If you cancel outside of 30 days, you will receive a prorated refund. For more information about cancellations, check out the program terms and conditions.
Standard homeowners insurance policies have limits for certain types of valuables. For high-value items, you might need additional coverage or endorsements. A VIU by HUB Advisor can make sure to include specialized coverage for any valuables you may have.
A standard renters policy typically includes coverage for personal property, liability and additional living expenses if your home is rendered unlivable. It can also protect against perils like fire, theft and vandalism and more.
VIU by HUB works with over 50 insurance carriers, including Travelers, Nationwide, Safeco, Hartford, Liberty Mutual, Progressive and more.
After filing an auto insurance claim, your insurer will assign a claims adjuster to investigate. They'll review any police reports, inspect vehicle damage, interview involved parties and determine fault. Depending on their findings, you'll receive a settlement offer covering repairs, replacements or medical expenses as applicable. If you agree, you'll be compensated; if not, you can negotiate. If you’re found to be at fault, your premiums might increase at the next renewal; if another party was responsible, your insurer might seek reimbursement from them or their insurance provider.
Homeowners insurance covers your investment in your home and personal belongings by providing financial protection against damage, theft and liability. It’s not necessary by law, but if you have a mortgage on your property, your lender will typically require it.
Risks, requirements and legal specifics vary by state, so it’s best to read up on the particulars related to where you live. VIU by HUB offers insurance options and information for all 50 states.
Read “Home renovation projects: Getting the right insurance and contracts”
Full coverage for motorcycles can be expensive due to the higher risks involved. Motorcycles are generally more vulnerable to accidents and theft. Additionally, motorcyclists are more likely to sustain serious injuries in an accident, which can lead to higher claims and therefore higher insurance costs.
Most standard homeowners insurance policies include other structures coverage, but it's always good to double check. When reviewing your policy or shopping for a new one, a VIU by HUB Advisor can make sure this coverage is included in your plan.
Recreational toy insurance is often a worthwhile investment for those who own valuable recreational equipment. It protects against potential losses due to accidents and the financial harm you might do to others or their property, theft, or damage to your toy, providing peace of mind and financial security. When considering the best policy for your needs, the value of the insurance should be weighed against the cost of replacing or repairing the recreational toy and financial risk caused by an at-fault accident.
VIU by HUB arranges insurance for a wide range of recreational toys. These typically include motorcycles, all-terrain vehicles (ATVs), snowmobiles, jet skis, boats, RVs, campers and more. For specific coverage details, a VIU by HUB Advisor can readily share all the available carrier options as well as relevant details that can vary based on location and other factors.
VIU by HUB Advisors are insurance experts trained to help you make smarter decisions about policies, coverage and personal protection. With non-biased, carrier-neutral policy guidance, same-day finalization and ongoing advice whenever you need it, we’re here to help simplify insurance for you every step of the way.
Condo insurance may not be legally necessary, but it protects the financial investment you’ve made in your home and is often required by mortgage lenders.
Coverage is generally specific to the individual policyholder and their property. Some policies may allow adding a roommate, but each person's belongings and liabilities are generally better covered under their own separate policy.
If you’re looking to obtain or compare quotes, please contact a VIU by HUB Advisor to quickly review policy options for all kinds of personal insurance including homeowners, auto, life, renters, condo, landlord, pet, toy, umbrella and more. For a website navigation issue, please reach out to the VIU by HUB Technical Support Team by filling out the contact form on this page.
Fetch pet insurance covers cats and dogs for:
- Future illnesses and injuries
- Emergency vet visits
- Consultations
- MRIs
- Anxiety medication
- Pet prescriptions, and more.
For routine and preventative care like dental cleanings, check-ups and flea, tick and heartworm prevention, Fetch now also offers extended coverage with the Fetch Wellness add-on.
Under one simple plan, Asurion provides device protection and support on any make, age or size for the following eligible devices:
- LED, LCD and Plasma TVs
- Gaming systems and remote controllers
- Audio headsets; DVD and Blu-Ray Players
- Home theater systems in a box (including receivers, subwoofers, amplifiers, tuners, speakers and sound bars)
- Desktop computers (including modem, mouse, keyboard, wired speaker and external monitors), laptops, tablets, and e-readers
- Printers, external hard drives, routers, audio/video streaming devices, smart speakers
- Smart thermostats, smart smoke and carbon monoxide detectors
- Smart door locks, smart video doorbells, smart light dimmer
- Smart home security camera
- Smart watches, and health and fitness bands
Whew! That is a lot of coverage for less than $1 a day!
Term life insurance is a type of life insurance policy that provides coverage for a specific period or term, such as 10, 20 or 30 years. If the policyholder passes away during the term, the policy pays out a death benefit to the beneficiaries. This type of insurance is often chosen for its simplicity and lower premiums compared to other types of life insurance. It's typically used to cover specific financial responsibilities like a mortgage or education expenses. A VIU by HUB Advisor can help you compare term life insurance quotes quickly and easily.
Universal life insurance is a type of permanent life insurance with more flexibility than whole life insurance. It provides a death benefit and includes a savings component but allows policyholders to adjust their premium payments and death benefits within certain limits. The cash value of the policy earns interest and the policyholder can use the value to pay premiums or let it accumulate. A VIU by HUB Advisor can help you compare universal life insurance quotes quickly and easily.
Condo insurance is different from homeowners insurance mainly because of the ownership structure. In a condo, you own the interior of your unit while the homeowners association (HOA) usually owns and insures the exterior and common areas.
Compare condo quotes in minutes
We recommend reviewing your auto insurance policy annually, around when renewal periods occur, or when you go through a life change like:
- Buying or selling a vehicle
- Getting married or divorced
- Adding a new driver (like a spouse or teenager)
- Moving to a new address (especially in a different state)
- Significant fluctuations in your credit score
- Substantial changes in your commute or the usage of your vehicle
VIU by HUB Advisors always look out for your best interests, so whether you’re looking to switch carriers, add coverages or need help getting insured for the first time, we’ll be sure to find you the protection you need at the best possible rate.
A homeowners insurance policy is designed for properties where the owner resides, while landlord insurance is meant for properties that are rented out to tenants. Landlord policies provide coverage for loss of rental income, which homeowners policies typically don’t. They might also offer broader liability coverage, taking into account that renters occupy the property. Finally, a landlord policy generally only covers the building’s structure and any appliances or furnishings owned by the landlord, but not the tenants' possessions.
Auto insurance rates are determined by various factors like the driver’s age, driving history, location, type of car and levels of coverage.
Read “How to compare car insurance quotes”
Read “How telematics could lower your auto insurance premium”
Motorcycle insurance typically covers other riders, but this can vary based on your insurance carrier and policy specifics. Coverages like bodily injury liability, uninsured/underinsured motorist, and medical payments can make sure that you, guest riders and other people stay financially protected if something goes wrong or an accident happens. To fully understand the extent of your coverage, it's crucial to review your policy carefully and consult with a VIU by HUB Advisor.
Please reach out to the VIU by HUB Technical Support Team by filling out the contact form.
Standard homeowners insurance policies typically do not cover flood or earthquake damage. Flood Insurance is available through the Federal Emergency Management Agency’s National Flood Insurance Program. Depending on your needs, a VIU by HUB Advisor can get you coverage against flooding as well as earthquakes and hurricanes.
Yes, using your second home as a vacation property, long- or short-term rental will affect your policy options and premiums. A VIU by HUB Advisor can help you pinpoint and compare specific second home insurance policies that would best serve your situation.
If you regularly rent out your property on platforms like Airbnb, traditional homeowner's insurance might not provide sufficient coverage. While Airbnb does offer a "Host Guarantee" and "Host Protection Insurance," these do not replace the need for your own insurance because there may be gaps in what Airbnb's coverage offers and what actually happens.
Some homeowners policies might exclude short-term rentals from coverage, meaning you’d be unprotected if a claim arose during an Airbnb guest’s stay. If you're an Airbnb host or considering becoming one, you may need landlord insurance or a policy specifically designed for short-term rentals. A VIU by HUB Advisor can help.
Insurance claims are handled by your insurance carrier and most claims service centers are open 24/7.
A free online account grants you access to your own personal insurance dashboard, without having to first purchase a policy through VIU by HUB. Once you've signed in, you can import your existing policies for easy viewing, management and updates - all in one place.
We may use “cookies” and other technologies such as web beacons to better understand user behavior, which parts of our websites people have visited, to facilitate and measure the effectiveness of advertisements and web searches and for security and fraud prevention purposes.
No, Asurion Appliance Protect will not impact your homeowners insurance. Instead, it is designed to complement your coverage by protecting your eligible home appliances.
This depends on your insurance policy. Some policies may cover certain types of optional equipment, but it's important to check your policy and potentially add additional coverage for expensive customizations. A VIU by HUB Advisor can make sure you and your motorcycle are properly covered for whatever you may need.
The cost of life insurance depends on several factors, including the type of policy, the amount of coverage, the policyholder's age, health, lifestyle and the length of the policy term for term life insurance. Generally, term life insurance is less expensive than whole or universal life insurance. Getting quotes from multiple insurers is the best way to determine the specific cost for your situation. A VIU by HUB Advisor can help you compare policies to find the best price and coverage package.
Determining the right amount of insurance coverage for your needs involves assessing various personal, geographical and financial factors to make sure you’re adequately protected. For auto and liability insurance, it’s important to weigh your driving habits and the value of your vehicle and consider what is enough coverage to protect your assets in case of a lawsuit. For homeowners insurance, if you live in an area prone to natural disasters, you might need extended coverage for your property. A VIU by HUB Advisor can help you break down the specifics and find the most relevant options for your needs.
VIU by HUB makes money through commissions earned when you buy a policy from one of our insurance carrier partners. In some cases, VIU by HUB may refer you to partner providers. When that happens, we collect a referral fee. Other VIU by HUB services are provided to you at no additional cost, because HUB is paid through the commissions we receive from insurers.
It's wise to review your policy annually or whenever you make significant changes to your home or belongings. VIU by HUB Advisors always look out for your best interests, so whether you’re looking to switch carriers, add coverages or need help getting insured for the first time, we’ll be sure to find you the protection you need at the best possible rate.
The plan covers any size or brand of most major appliances, including refrigerators, freezers, dishwashers, ranges and cooktops, ovens, built-in microwaves, washing machines, and dryers.
A VIU by HUB Advisor can work with you to revise your coverage limits or find a new policy that better fits your needs.
Asurion Appliance Protect plan has a monthly cost of $34.99, plus any applicable taxes and billed monthly to your credit or debit card on file.
A landlord insurance policy typically covers property damage, loss of rental income and liability if a tenant or guest is injured on the property. A VIU by HUB Advisor can walk you through any details as well as additional coverage options like rent guarantee insurance, natural disaster coverage, employer's liability (if you employ someone who works on the property) and legal expense coverage.
Standard condo insurance policies have limits for certain types of valuables. For high-value items, you might need additional coverage or endorsements. A VIU by HUB Advisor can make sure to add specialized coverage to your policy for any valuables you may have.
Nope. You can create a free account to import and manage your existing personal insurance policies. And if you're looking to renew or extend your coverage, VIU by HUB Advisors are standing by to offer carrier-neutral guidance and answer any of your insurance-related questions or concerns.
Condo insurance typically covers personal property, liability, permanent fixtures, loss of use (if your condo becomes uninhabitable due to a covered loss) and, at times, loss assessment for claims against the community's master policy. A VIU by HUB Advisor can make sure to include the coverages you’ll need in your condo insurance policy.
Umbrella insurance is beneficial for anyone who has assets that could be at risk in a lawsuit. This includes homeowners, car owners, landlords and individuals with significant savings or investments. If your potential loss from a lawsuit exceeds the coverage of your existing policies, umbrella insurance can provide the extra protection needed. A VIU by HUB Advisor can help you understand and compare umbrella insurance quotes quickly and easily.
Whether full coverage makes sense for you depends on several factors, such as the value of your motorcycle, your riding habits and your financial situation. If your motorcycle is expensive or new, full coverage can protect your investment. But for older, less valuable bikes, the cost of full coverage may not be the best option. A VIU by HUB Advisor can help you find the right motorcycle insurance that’s best for your needs.
Fetch pet insurance policies are priced depending on your pet’s age, breed and location. On average, policies for cats run approximately $20 per month and $35 per month for dogs.
While your landlord's insurance typically covers the building itself, it doesn't tend to cover a tenant’s personal belongings in case of damage or theft – or liability if someone is injured in your space. Renters insurance helps fill that gap to keep you financially protected against the unexpected.
Our pet insurance partner Fetch provides the most comprehensive dental coverage in the industry. Unlike other providers, they cover injury and disease in every adult tooth – not just the canines. Plus, you get full coverage for gum disease (the most common disease in dogs and cats), oral tumors, trauma and more. And for routine and preventive care, it's possible to include dental cleaning coverage with Fetch Wellness add-on.
The cost of umbrella insurance is relatively low compared to the amount of coverage it provides. Premiums vary based on several factors, including the amount of coverage, the policyholder's risk factors and their underlying policy limits. Generally, a $1 million umbrella policy can cost between $150 to $300 per year with additional coverage increasing the premium. Reach out to a VIU by HUB Advisor at 833-495-2748 to get options with the right coverage and price point for your needs.
While landlord insurance isn't typically mandated by law, the amount you should have depends on the value of the property, potential rebuilding costs, the level of liability risk you're willing to assume and the requirements set by your mortgage lender. A VIU by HUB Advisor can help determine the right amount of coverage for your situation.
A deductible is the amount you pay out of pocket for a covered loss before your insurance policy begins to pay. Generally, a higher deductible leads to a lower premium, since you're assuming more of the financial responsibility in the event of a claim. Lower deductibles result in higher premiums because the insurance company takes on a greater share of the risk.
Choosing the right deductible is a balance between what you can afford to pay out of pocket and the premium you're willing to pay while avoiding financial strain in the event of a claim. A VIU by HUB Advisor can help you determine the deductible amounts that make the most sense for your needs.
Read “How do home insurance deductibles work?”
Read “What you should know about renters insurance deductibles”
Whether you have coverage for water damage depends on your specific recreational toy insurance policy. Some policies, especially those for watercraft like boats and jet skis, may include water damage coverage. However, it's important to review any policy details with your VIU by HUB Advisor to make sure you’re covered for what you need.
It may be possible to lower your condo insurance premium by adding certain security features to your condo or by opting for a higher deductible. When purchasing a policy through VIU by HUB, an advisor will be sure to apply any available discounts before finalizing.
VIU by HUB works with over 50 insurance carriers, including Travelers, Nationwide, Safeco, Hartford, Liberty Mutual, Progressive and more.
From carrier-neutral policy guidance to finalization and ongoing advice, our services are free of charge. We’re independent digital insurance agents, which means we don’t sell policies issued by our own insurance company. Instead, we identify policies that are specifically relevant and right for you. And thanks to our A-rated insurance carrier partners – which means they’re top-ranked in financial strength and ability to pay claims – we’re able to offer their policies at the best possible price.
Insuring a motorcycle isn't necessarily a challenge, but often motorcycles are hard to insure for high-risk riders, like those with a history of accidents or traffic violations. It can also be tricky for high-performance or custom bikes, but an expert VIU by HUB Advisor can get you the right motorcycle insurance in no time.
VIU by HUB offers a variety of personal insurance policies, including instant digital quotes for auto, homeowner, renters, condo, life and pet. We also offer second home, umbrella, boat, bike, RV and many other kinds of policies by phone. We do not offer personal, individual or group medical health policies.
The amount of coverage you need depends on the value of your personal belongings and the level of liability protection you wish to have. Conducting a home inventory can give you a better idea of how much coverage you need for your possessions, but VIU by HUB Advisor can help you determine the specifics.
An umbrella policy is a type of liability insurance that provides additional coverage beyond the limits of the policyholder's standard insurance policies, like home or auto insurance. It kicks in when the liability limits of these other policies have been reached. An umbrella policy can help protect your assets from large and potentially devastating liability claims or judgments. A VIU by HUB Advisor can help you understand and compare umbrella insurance quotes quickly and easily.
Your privacy is our priority, and we will never sell your data or spam you. When we ask you to enter your personal and carrier information into the VIU by HUB app, it’s so we can import your insurance policies into your dashboard for easy access.
When comparing quotes, info like your birth date may significantly influence the price of your premiums. Your name and email enable us to create your personal insurance dashboard if you choose to purchase a policy on VIU by HUB. Lastly, your phone number lets us reach out to help you make the most informed insurance decisions.
What makes VIU by HUB different is we look out for your best interests by combining trusted industry expertise with transparent options and an intuitive platform that displays all your personal insurance policies in one place. We do the work for you, so you can compare quotes fast before making informed coverage decisions for yourself and for your family.
Common auto insurance coverages are liability, collision, comprehensive, uninsured/underinsured motorist, medical payments and personal injury protection.
Read "Auto accident coverage and adding additional coverage”
While some homeowners or auto insurance policies may offer limited coverage for recreational toys, this coverage is often not as comprehensive as a dedicated recreational toy insurance policy. For full protection, a specific policy for the recreational toy in question is recommended, especially for high-value items or those used frequently.
For now, only cats and dogs are eligible for a pet insurance policy with Fetch.
You should trust VIU by HUB because our parent company HUB International has been serving customers for 25 years, consistently ranked as one of the top five insurance brokerages worldwide. And with over 50 insurance company partners and more than 475 offices in North America, we’re fully equipped and ready to serve you for the next 25 years and beyond.
VIU by HUB works by providing customized quotes from among the leading insurance carriers to find you the most relevant policies at the lowest possible price. As your insurance needs changes and you move through life, VIU by HUB will be there to help make sure that you’re always getting the coverage you need. And with the VIU by HUB mobile app and a free account, you can store multiple policies all in one place for easy access and review.
Pet insurance from Fetch is a health insurance policy for your pet that helps to mitigate the costs associated with veterinary care. It can cover unexpected accidents and illnesses, offering financial protection for pet owners against large, unforeseen medical expenses. Fetch Wellness, an extended coverage add-on for routine and preventive care like vaccines and dental cleanings, is also available.
Adding or removing someone from your auto insurance policy is easy to do, but it may impact your rates. An advisor or carrier rep can get that sorted out for you in no time.
Loss Assessment coverage is an additional feature that covers your share of an HOA assessment. It protects you against charges incurred due to community property damages that exceed the master policy's limits. A VIU by HUB Advisor can be sure to include this in your policy when purchasing insurance through us.
What makes VIU by HUB different is we look out for your best interests by combining trusted industry expertise with transparent options and an intuitive platform that displays all your personal insurance policies in one place. We do the work for you, so you can compare quotes fast before making informed coverage decisions for yourself and for your family.
VIU by HUB Advisors are state-licensed agents with years of brokerage experience, meaning they’re equipped to find the best policy options for your budget and needs. Before working with you, our insurance experts complete a six-week training course specific to VIU by HUB’s superior standards and enroll in ongoing education to stay on top of changing requirements and developments within the insurance industry.
After filing an auto insurance claim, your insurer will assign a claims adjuster to investigate. They'll review any police reports, inspect vehicle damage, interview involved parties and determine fault. Depending on their findings, you'll receive a settlement offer covering repairs, replacements or medical expenses as applicable. If you agree, you'll be compensated; if not, you can negotiate. If you’re found to be at fault, your premiums might increase at the next renewal; if another party was responsible, your insurer might seek reimbursement from them or their insurance provider.
The cost of renters insurance varies depending on factors like the amount of coverage you need, your location, and the insurance provider. However, it’s generally affordable, with many policies ranging between $15-$30 per month.
The duration of an insurance claim process can vary depending on factors like the type of insurance you’re dealing with, the complexity of the claim, the efficiency of your insurance company and the specific circumstances of the claim. A simple insurance claim might be resolved in a few days to a few weeks, while more complex cases can take several months.
Minor auto accident claims generally take a few days to a couple of weeks to be resolved, for instance, whereas homeowners insurance claims can take longer. If there’s significant property damage, home insurance claims can take a few weeks to several months to fully process.
Read “How to prevent a homeowners insurance claim from being denied”
The amount of condo insurance you need will depend on various factors like the value of your personal property, the coverage level of your community’s master policy and any lender requirements if you have a mortgage. A VIU by HUB Advisor can help you determine the proper amount of protection for your unique situation.
Please dial 911 in case of an emergency. Otherwise, each insurance policy provides specific information on how and when to report a claim.
You can create a free online account to enjoy VIU by HUB's features and benefits by providing your name, email address and phone number on our account sign-up page.
The amount of coverage you should carry depends on the value of your motorcycle, your tolerance for risk and your personal financial situation. It's a good idea to carry enough liability coverage to protect your assets and to consider collision and comprehensive coverage for higher-value motorcycles. A VIU by HUB Advisor can help you determine exactly how much coverage is best for your unique needs.
We’ve partnered with Canopy Connect to provide a secure way to verify and import your insurance policies. After signing up for a VIU by HUB account and accessing your dashboard, you’ll see a prompt to import your policy. You’ll then be asked to enter the name of your insurance carrier and login info so we can pull in your policy details.
Generally, yes. This is because second homes are often considered higher risk for reasons like being left vacant for extended periods of time. The location, home condition, security features and frequency of occupancy can all affect premiums. A VIU by HUB Advisor can provide the most relevant options for your needs and your unique vacation home.
Standard homeowners insurance policies generally include coverage for the structure of your home, personal belongings, liability protection and additional living expenses incurred if a covered loss renders your home temporarily uninhabitable.
If you recently changed your email address, please contact the VIU by HUB Advisory Team at 833-495-2748 to notify them of any changes. If you have not changed your email address, this may be a website issue, and you can reach out to the VIU by HUB Technical Support Team by filling out the contact form above.
The Asurion Appliance Protect plan is a service contract that provides coverage for your eligible major appliances for a low monthly charge. It provides an easy claims process, quick enrollment, and no hidden fees.
Asurion Appliance Protect is different from a product warranty provided by a manufacturer. It does not extend the term of any manufacturer’s warranty.
If you have an issue with a covered appliance and your claim is approved, you will pay a flat fee of $99, plus applicable taxes, to get the appliance serviced.
Auto insurance is a contract between you and an insurance company that provides financial protection against physical damage, bodily injury and liability resulting from accidents.
Homeowners insurance policy rates generally depend on the value and age of the home, deductible amounts, coverage limits and other factors like location specifics.
Read “Surprising things that lower your homeowners insurance”
Yes. After importing an existing insurance policy or purchasing one through VIU by HUB, you'll be able to see basics like policy numbers and key dates plus coverage details, carrier information and related documents like your insurance ID card, declarations and more.
We maintain technical and organizational security measures that are designed to protect the security of your personal information against loss, misuse, unauthorized access, disclosure or alteration. If you have reason to believe that this data is no longer secure, please notify our Chief Legal Officer by calling 866-415-2207 or sending an email to privacy.compliance@hubinternational.com.
Please follow the instructions provided on the error message and, if trying to compare quotes, call a VIU by HUB Advisor at 833-495-2748. You can also visit our technical support page to try and troubleshoot common website issues, or fill out the contact form to get in touch with the VIU by HUB Technical Support Team for website assistance.
VIU by HUB is a new kind of digital insurance platform, dedicated to meeting your unique personal insurance needs. Whether you need a new policy or want to look at your existing coverage, our advisors and easy-to-use platform make sure you get the most value from the right options for you and your family.
Sorry, no. Any preexisting damaged devices are not covered under the plan prior to enrollment. If you need a repair on a device that was damaged prior to enrollment or that is not covered under Asurion's Home+, uBreakiFix by Asurion stores can assist you with a repair. Feel free to schedule a service online or visit one of the 700+ stores.
Please see the Asurion's Home+ Terms and Conditions for complete program details.
Typically, insuring a motorcycle can be cheaper than a car due to the motorcycle's lower value. However, the actual cost depends on factors like the motorcycle's model and location as well as the rider's age and experience.
Some motorcycle insurance policies may cover safety equipment like helmets and protective gear, either as a standard or with additional coverage. A VIU by HUB Advisor can make sure to verify this with your insurance provider.
Standard second home insurance policies generally include coverage for the structure of your home, personal belongings, liability protection and additional living expenses incurred if a covered loss renders your home temporarily uninhabitable. A VIU by HUB Advisor can help you understand and compare the right second home insurance quotes for your needs.
Whole life insurance is a type of permanent life insurance that provides coverage for the policyholder's entire life, as long as premiums are paid. In addition to the death benefit, it includes a savings component known as cash value, which grows over time and can be borrowed against. Whole life insurance typically has higher premiums than term life insurance but offers lifelong coverage and the ability to accumulate cash value. A VIU by HUB Advisor can help you compare whole life insurance quotes quickly and easily.
Whether you need life insurance depends on your personal and financial circumstances. If you have dependents, significant debts or want to leave a financial legacy, life insurance can provide financial security for your beneficiaries. It's particularly important for those whose death would create a financial burden, such as loss of income, for others. A VIU by HUB Advisor can help you compare policies and find the right life insurance in no time.
Depending on when it was sent, your email confirmation may be expired. Please try and resend the confirmation by following the same steps and be sure to check your spam folder in case the message was redirected. If that doesn’t work, please reach out to the VIU by HUB Technical Support Team by filling out the contact form on this page.
Depending on the nature of your rental activity, you may need a landlord policy. Landlord insurance offers different protections compared to a standard second home policy, which might include coverage for short-term rentals. A VIU by HUB Advisor can walk you through all your relevant options after discussing your unique second home situation and needs.
Technical support
It’s possible that the insurance carrier you had in mind does not serve your specific area or location. In any case, a VIU by HUB Advisor would be happy to walk you through all the quotes, insurance companies and coverage options available to you. You can reach us Monday - Friday 8 a.m. to 9 p.m. ET at 833-495-2748.
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Please reach out to the VIU by HUB Technical Support Team by filling out the contact form.
Mobile app
Renters insurance is a type of insurance policy that covers a tenant’s personal property in a rented apartment, condo or home. It usually also provides liability protection and loss of use coverage if you're not able to remain in your rental due to a covered event.
Auto insurance provides financial protection in the event of accidents or theft. Most jurisdictions require basic coverage for drivers to legally operate a vehicle. Risks, requirements and legal specifics vary by state, so it’s best to read up on the particulars related to where you live. VIU by HUB offers auto insurance options and information for all 50 states.
Asurion's Home+ coverage provides personalized technical support by experts on home technology. If you’re having an issue with any eligible household product, you can contact an Asurion Expert for help.
You’ll get expert technical support for all of your eligible products and those that connect to them.
You can get help with:
- Connecting your household
- Wi-Fi devices
- Setting up new devices and accessories
- Using and getting the most out of your devices and accessories
- Troubleshooting your devices if you run into an issue and more
Asurion Experts can solve most tech issues in just one call. Additionally, Asurion Experts will make recommendations on how to optimize your devices for your lifestyle.
Personal information, such as your birth date, may significantly influence the quote price that carriers can provide to you. Your name and email enable us to create your personal insurance dashboard if you choose to purchase a policy through VIU by HUB. And your phone number lets us reach out and assist you in making the most informed insurance decisions.
Many insurers offer discounts for being claim-free or if you have certain safety measures in place like smoke detectors, fire extinguishers, security cameras, burglar alarms, or deadbolt locks. When purchasing a policy through VIU by HUB, an advisor will be sure to apply any available discounts before you make your first payment.
Read “Surprising things that lower your homeowners insurance”
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Insuring a motorcycle differs from a car due to the distinct risks involved. Motorcycles are more exposed and vulnerable on the road, leading to different insurance considerations such as higher injury risk and a different structure of liability and collision coverage.
You should trust VIU by HUB because our parent company HUB International has been serving customers for 25 years, consistently ranked as one of the top five insurance brokerages worldwide. And with 25+ carrier partners and more than 475 offices in North America, we’re fully equipped and ready to serve you for the next 25 years and beyond.
Neutering is covered by Fetch Wellness, an add-on coverage for routine and preventive care.
You should trust VIU by HUB because our parent company HUB International has been serving customers for 25 years, consistently ranked as one of the top five insurance brokerages worldwide. And with over 50 carrier partners and more than 475 offices in North America, we’re fully equipped and ready to serve you for the next 25 years and beyond.
If you’re found to be at fault in an accident, your liability coverage will pay for legal fees and the other party’s property damage and medical expenses, up to your policy limits. This may also lead to an increase in your auto insurance rates.
Read “Injury, information, insurance: What to do after a hit and run”
After you file a claim and report a loss, an insurance adjuster will come to inspect the damage and determine how much your insurance company should pay for the repair or replacement.
Our pet insurance partner Fetch covers vaccinations from rabies to canine Bordetella and feline FELV with Fetch Wellness, an extended coverage add-on for routine and preventive care.
The time frame for filing an insurance claim after an incident, known as the "claim filing window," varies depending on the type of insurance and the specific terms of your policy. Generally, it's advisable to file a claim as soon as possible, but here are some typical guidelines:
- Auto insurance – Most policies require that you report an accident within a few days to a few weeks, but for filing a claim, you might have a longer window.
- Homeowners insurance – For property damage, it's usually recommended to file a claim within one year of the incident. Some policies might have shorter time frames, so it's important to check your policy details.
- Life insurance – For life insurance, beneficiaries generally have no time limit to file a claim. However, prompt filing is advised to expedite the benefits process.
No, your VIU by HUB account number is not the same as your policy number. Your policy number is an alpha-numeric code unique to each individual policy assigned by your insurance carrier. Meanwhile, your account number is a 10-digit number associated with your VIU by HUB online insurance portfolio management account. If you have any questions about your policy or payment plan, one of our advisors will be happy to help.
Our VIU by HUB Advisors are licensed insurance specialists and experienced agents who will strive to provide you with the best advice on policies, coverages and carriers.
Ideally, your home insurance coverage limits should be high enough to cover the cost of rebuilding your home and replacing your personal belongings in the event of a total loss. A VIU by HUB Advisor can help determine how high your limits should be, including cost considerations associated with potential liability claims.
When it comes to pet insurance quotes and policies, we trust Fetch to get you the best customer experience and coverage options on the market. From quoting and onboarding to customer support and claims, Fetch — rated ‘Excellent’ on Trustpilot — will assist with your pet insurance policy every step of the way.
Homeowners insurance provides coverage for damage to your home and personal property, as well as liability coverage for certain incidents that occur on your property.
Umbrella insurance typically covers liabilities that go beyond the limits of your standard insurance policies. This includes bodily injury, property damage, certain lawsuits and personal liability situations. For example, if you're found liable for a car accident and the damages exceed your auto insurance coverage, your umbrella policy can cover the additional costs.
A master policy is the insurance policy held by the condo association or HOA. It usually covers the building's exterior and common areas. Understanding what the master policy covers can help you decide how much coverage you need for your own condo insurance.
Umbrella policies do not cover everything. Exclusions typically include personal property damage that the policyholder causes intentionally, liability incurred in business or professional activities (this requires a separate business liability policy), criminal or fraudulent actions, and liability related to contracts or agreements signed by the policyholder. A VIU by HUB Advisor can breakdown policy details to make it easy to understand any exclusions.
Yes. After importing an existing insurance policy or purchasing one through VIU by HUB, you'll be able to see basics like policy numbers and key dates plus coverage details, carrier information and related documents like your insurance ID card, declarations and more.
VIU by HUB Advisors are here to simplify insurance and help you make better policy decisions every step of the way. We:
- Assess and prioritize your individual insurance needs
- Research the best policies and coverages to fit those needs
- Communicate key insurance details clearly and easily
- Help you understand policy terms and conditions
- Assist with paperwork, policy set-up and finalization
- Offer ongoing support, like help with claims, renewals, policy adjustments and more.
Umbrella insurance typically covers liabilities that go beyond the limits of your standard insurance policies. This includes bodily injury, property damage, certain lawsuits and personal liability situations. For example, if you're found liable for a car accident and the damages exceed your auto insurance coverage, your umbrella policy can cover the additional costs.
After creating a VIU by HUB account and importing your existing insurance policies, we’ll sync the coverage details for easy access from your personal dashboard. If you’re having trouble viewing your policy details, please reach out to the VIU by HUB Technical Support Team by filling out the contact form on our help page.
Condo insurance is a specific type of insurance policy designed to cover condo owners for a variety of risks, including liability for injuries that occur within their unit as well as damage to their personal property and permanent fixtures like cabinetry, wall coverings and more.
VIU by HUB Advisors can help you save money by comparing various insurance policies to find the most cost-effective to meet your needs. And when it comes to finalizing your policy, we’ll also apply any discounts that may be available and relevant to you.
Asurion Home+ is a device protection plan and so much more! Asurion's Home+ provides technical support and protection for your eligible home tech, like your flat-screen TV, laptop, gaming consoles, and more. This plan is a service contract that is different from a product warranty provided by a manufacturer. It does not extend the term of any manufacturer’s warranty.
With an Asurion's Home+ plan, you get:
- Expert technical advice and support for the technology in your household.
- Protection for your eligible products, which provides coverage for mechanical and electrical malfunctions, like if your device won’t turn on.
Standard second home insurance policies generally include coverage for the structure of your home, personal belongings, liability protection and additional living expenses incurred if a covered loss renders your home temporarily uninhabitable. A VIU by HUB Advisor can help you understand and compare the right second home insurance quotes for your needs.
Yes, recreational toy insurance is different from auto insurance. While both provide protection against accidents and damage, recreational toy insurance is tailored to the unique risks associated with specific recreational vehicles and activities which are not covered under standard auto insurance policies. A VIU by HUB Advisor can help you find the right policy for your unique needs.
The cost of recreational toy insurance varies depending on the type of toy, its value, where it's used and the owner's driving history. Factors like the level of coverage desired and any additional endorsements for specific risks like theft and natural disasters can also impact the price. With a rundown of your details, a VIU by HUB Advisor can help you compare quotes with the most accurate pricing.
VIU by HUB makes money through commissions earned when you buy a policy from one of our insurance carrier partners. In some cases, VIU by HUB may refer you to partner providers. When that happens, we collect a referral fee. Other VIU by HUB services are provided to you at no additional cost, because HUB is paid through the commissions we receive from insurers.
VIU by HUB is a new kind of digital insurance platform, dedicated to meeting your unique personal insurance needs. Whether you need a new policy or want to look at your existing coverage, our advisors and easy-to-use platform make sure you get the most value from the right options for you and your family.
Contact a VIU by HUB Advisor today to compare quotes from different insurers and get the best rate on a recreational toy insurance policy that meets all your unique needs. Increasing your deductibles can lower premiums, as can maintaining a good driving record, taking safety courses and installing safety measures like anti-theft devices and other features. If you only use your recreational toy seasonally, it’s also a good idea to ask your VIU by HUB Advisor about adjusted coverage options.
Read “How to lower motorcycle and boat premiums in the winter”
As state-licensed personal insurance brokers, we work independently and offer carrier-neutral policy guidance that puts your needs front and center. Insurance agents, on the other hand, typically represent one insurance company and sell policies from that company only. By partnering with multiple carriers, we’re able to provide a broader range of options to find just the right coverage for you and your family. And with ongoing advice whenever you need it, we help make sure you stay protected – today, tomorrow and beyond.
Motorcycle insurance includes coverage for a range of recreational vehicles. Digitally, we can help you compare quotes for:
- Street motorcycles
- Mopeds
- Scooters
- Trikes
- Golf carts
To compare quotes for off-road vehicle options like the following, please call a VIU by HUB Advisor at 833-495-2748:
- ATVs
- UTVs
- Dirt bikes
- Snowmobiles
- Non-registered golf carts
- Non-registered E-bikes
It’s possible that the insurance carrier you had in mind does not serve your specific area or location. In any case, a VIU by HUB Advisor would be happy to walk you through all the quotes, insurance companies and coverage options available to you. You can reach us Monday - Friday 8 a.m. to 9 p.m. ET at 833-495-2748.
No, auto insurance is not designed to cover motorcycles. Motorcycles require a separate insurance policy because they are considered a different type of vehicle with unique risks.
VIU by HUB is free.
We’re independent digital insurance agents, which means we don’t sell policies issued by our own insurance company. Instead, we identify policies that are specifically relevant and right for you. And thanks to our A-rated insurance carrier partners – which means they’re top-ranked in financial strength and ability to pay claims – we’re able to offer their policies at the best possible price.
Eligible products are covered due to failures for mechanical and electrical breakdown as a result of defects in materials and workmanship, normal wear and tear, dust heat and humidity, power surge failures and even Accidental Damage from Handling (ADH) like drops, spills and cracked screens on select portable electronics.
Eligible devices include:
Home Office:
- Desktops, laptops, and tablets (collectively referred to as “PC” or “PCs”). Each PC can include one (1) of each of the following: an associated external monitor, keyboard (wired or wireless), mouse (wired or wireless), modem and external desktop speaker set (wired). The PCs eligible for coverage under this Plan are those equipped with a Windows Operating System version Windows 7 or newer or Android version 1.6 or newer and Apple computers which are equipped with an Apple operating system version OS X (10) or newer or Chrome OS
- Home routers (wired or wireless)
- External hard drives
- Printers and multifunction printers
Home Entertainment:
- LCD, Plasma or LED Televisions (collectively referred to as “television” or “televisions”). Televisions include coverage for the original remote control
- Streaming devices (audio and video)
- Bluetooth and Wi-Fi enabled speakers
- Audio headsets
- Gaming systems. Gaming systems include the original remote controls
- DVD players, Blu-Ray players and portable DVD players (collectively referred to as “DVD Player” or “DVD players”)
- Virtual Reality Headset(s)
- Home theater systems that include any of the following if purchased as a set: a receiver, sound bar, speakers, BluRay player, amplifier, subwoofer, and tuner (collectively referred to as “home theater system in a box” or “home theater systems in a box”)
Smart Home Products:
- Smart Light Dimmer(s)
- Smart Device Hubs
- Smart Thermostat(s)
- Smart Smoke Detector(s)
- Smart Door Lock(s)
- Smart Home Security Camera(s)
- Smart Video Doorbell(s)
- Smart Carbon Monoxide Detector(s)
To read the full list of plan details, check out the Asurion Home+ Terms and Conditions.
Yes, you may cancel this service at any time. If you cancel within 30 days from your enrollment date, you will receive a full refund. If you cancel outside of 30 days, you will receive a prorated refund. For more information about cancellations, check out the program terms and conditions.
Standard homeowners insurance policies have limits for certain types of valuables. For high-value items, you might need additional coverage or endorsements. A VIU by HUB Advisor can make sure to include specialized coverage for any valuables you may have.
A standard renters policy typically includes coverage for personal property, liability and additional living expenses if your home is rendered unlivable. It can also protect against perils like fire, theft and vandalism and more.
VIU by HUB works with over 50 insurance carriers, including Travelers, Nationwide, Safeco, Hartford, Liberty Mutual, Progressive and more.
After filing an auto insurance claim, your insurer will assign a claims adjuster to investigate. They'll review any police reports, inspect vehicle damage, interview involved parties and determine fault. Depending on their findings, you'll receive a settlement offer covering repairs, replacements or medical expenses as applicable. If you agree, you'll be compensated; if not, you can negotiate. If you’re found to be at fault, your premiums might increase at the next renewal; if another party was responsible, your insurer might seek reimbursement from them or their insurance provider.
Homeowners insurance covers your investment in your home and personal belongings by providing financial protection against damage, theft and liability. It’s not necessary by law, but if you have a mortgage on your property, your lender will typically require it.
Risks, requirements and legal specifics vary by state, so it’s best to read up on the particulars related to where you live. VIU by HUB offers insurance options and information for all 50 states.
Read “Home renovation projects: Getting the right insurance and contracts”
Full coverage for motorcycles can be expensive due to the higher risks involved. Motorcycles are generally more vulnerable to accidents and theft. Additionally, motorcyclists are more likely to sustain serious injuries in an accident, which can lead to higher claims and therefore higher insurance costs.
Most standard homeowners insurance policies include other structures coverage, but it's always good to double check. When reviewing your policy or shopping for a new one, a VIU by HUB Advisor can make sure this coverage is included in your plan.
Recreational toy insurance is often a worthwhile investment for those who own valuable recreational equipment. It protects against potential losses due to accidents and the financial harm you might do to others or their property, theft, or damage to your toy, providing peace of mind and financial security. When considering the best policy for your needs, the value of the insurance should be weighed against the cost of replacing or repairing the recreational toy and financial risk caused by an at-fault accident.
VIU by HUB arranges insurance for a wide range of recreational toys. These typically include motorcycles, all-terrain vehicles (ATVs), snowmobiles, jet skis, boats, RVs, campers and more. For specific coverage details, a VIU by HUB Advisor can readily share all the available carrier options as well as relevant details that can vary based on location and other factors.
VIU by HUB Advisors are insurance experts trained to help you make smarter decisions about policies, coverage and personal protection. With non-biased, carrier-neutral policy guidance, same-day finalization and ongoing advice whenever you need it, we’re here to help simplify insurance for you every step of the way.
Condo insurance may not be legally necessary, but it protects the financial investment you’ve made in your home and is often required by mortgage lenders.
Coverage is generally specific to the individual policyholder and their property. Some policies may allow adding a roommate, but each person's belongings and liabilities are generally better covered under their own separate policy.
If you’re looking to obtain or compare quotes, please contact a VIU by HUB Advisor to quickly review policy options for all kinds of personal insurance including homeowners, auto, life, renters, condo, landlord, pet, toy, umbrella and more. For a website navigation issue, please reach out to the VIU by HUB Technical Support Team by filling out the contact form on this page.
Fetch pet insurance covers cats and dogs for:
- Future illnesses and injuries
- Emergency vet visits
- Consultations
- MRIs
- Anxiety medication
- Pet prescriptions, and more.
For routine and preventative care like dental cleanings, check-ups and flea, tick and heartworm prevention, Fetch now also offers extended coverage with the Fetch Wellness add-on.
Under one simple plan, Asurion provides device protection and support on any make, age or size for the following eligible devices:
- LED, LCD and Plasma TVs
- Gaming systems and remote controllers
- Audio headsets; DVD and Blu-Ray Players
- Home theater systems in a box (including receivers, subwoofers, amplifiers, tuners, speakers and sound bars)
- Desktop computers (including modem, mouse, keyboard, wired speaker and external monitors), laptops, tablets, and e-readers
- Printers, external hard drives, routers, audio/video streaming devices, smart speakers
- Smart thermostats, smart smoke and carbon monoxide detectors
- Smart door locks, smart video doorbells, smart light dimmer
- Smart home security camera
- Smart watches, and health and fitness bands
Whew! That is a lot of coverage for less than $1 a day!
Term life insurance is a type of life insurance policy that provides coverage for a specific period or term, such as 10, 20 or 30 years. If the policyholder passes away during the term, the policy pays out a death benefit to the beneficiaries. This type of insurance is often chosen for its simplicity and lower premiums compared to other types of life insurance. It's typically used to cover specific financial responsibilities like a mortgage or education expenses. A VIU by HUB Advisor can help you compare term life insurance quotes quickly and easily.
Universal life insurance is a type of permanent life insurance with more flexibility than whole life insurance. It provides a death benefit and includes a savings component but allows policyholders to adjust their premium payments and death benefits within certain limits. The cash value of the policy earns interest and the policyholder can use the value to pay premiums or let it accumulate. A VIU by HUB Advisor can help you compare universal life insurance quotes quickly and easily.
Condo insurance is different from homeowners insurance mainly because of the ownership structure. In a condo, you own the interior of your unit while the homeowners association (HOA) usually owns and insures the exterior and common areas.
Compare condo quotes in minutes
We recommend reviewing your auto insurance policy annually, around when renewal periods occur, or when you go through a life change like:
- Buying or selling a vehicle
- Getting married or divorced
- Adding a new driver (like a spouse or teenager)
- Moving to a new address (especially in a different state)
- Significant fluctuations in your credit score
- Substantial changes in your commute or the usage of your vehicle
VIU by HUB Advisors always look out for your best interests, so whether you’re looking to switch carriers, add coverages or need help getting insured for the first time, we’ll be sure to find you the protection you need at the best possible rate.
A homeowners insurance policy is designed for properties where the owner resides, while landlord insurance is meant for properties that are rented out to tenants. Landlord policies provide coverage for loss of rental income, which homeowners policies typically don’t. They might also offer broader liability coverage, taking into account that renters occupy the property. Finally, a landlord policy generally only covers the building’s structure and any appliances or furnishings owned by the landlord, but not the tenants' possessions.
Auto insurance rates are determined by various factors like the driver’s age, driving history, location, type of car and levels of coverage.
Read “How to compare car insurance quotes”
Read “How telematics could lower your auto insurance premium”
Motorcycle insurance typically covers other riders, but this can vary based on your insurance carrier and policy specifics. Coverages like bodily injury liability, uninsured/underinsured motorist, and medical payments can make sure that you, guest riders and other people stay financially protected if something goes wrong or an accident happens. To fully understand the extent of your coverage, it's crucial to review your policy carefully and consult with a VIU by HUB Advisor.
Please reach out to the VIU by HUB Technical Support Team by filling out the contact form.
Standard homeowners insurance policies typically do not cover flood or earthquake damage. Flood Insurance is available through the Federal Emergency Management Agency’s National Flood Insurance Program. Depending on your needs, a VIU by HUB Advisor can get you coverage against flooding as well as earthquakes and hurricanes.
Yes, using your second home as a vacation property, long- or short-term rental will affect your policy options and premiums. A VIU by HUB Advisor can help you pinpoint and compare specific second home insurance policies that would best serve your situation.
If you regularly rent out your property on platforms like Airbnb, traditional homeowner's insurance might not provide sufficient coverage. While Airbnb does offer a "Host Guarantee" and "Host Protection Insurance," these do not replace the need for your own insurance because there may be gaps in what Airbnb's coverage offers and what actually happens.
Some homeowners policies might exclude short-term rentals from coverage, meaning you’d be unprotected if a claim arose during an Airbnb guest’s stay. If you're an Airbnb host or considering becoming one, you may need landlord insurance or a policy specifically designed for short-term rentals. A VIU by HUB Advisor can help.
Insurance claims are handled by your insurance carrier and most claims service centers are open 24/7.
A free online account grants you access to your own personal insurance dashboard, without having to first purchase a policy through VIU by HUB. Once you've signed in, you can import your existing policies for easy viewing, management and updates - all in one place.
We may use “cookies” and other technologies such as web beacons to better understand user behavior, which parts of our websites people have visited, to facilitate and measure the effectiveness of advertisements and web searches and for security and fraud prevention purposes.
No, Asurion Appliance Protect will not impact your homeowners insurance. Instead, it is designed to complement your coverage by protecting your eligible home appliances.
This depends on your insurance policy. Some policies may cover certain types of optional equipment, but it's important to check your policy and potentially add additional coverage for expensive customizations. A VIU by HUB Advisor can make sure you and your motorcycle are properly covered for whatever you may need.
The cost of life insurance depends on several factors, including the type of policy, the amount of coverage, the policyholder's age, health, lifestyle and the length of the policy term for term life insurance. Generally, term life insurance is less expensive than whole or universal life insurance. Getting quotes from multiple insurers is the best way to determine the specific cost for your situation. A VIU by HUB Advisor can help you compare policies to find the best price and coverage package.
Determining the right amount of insurance coverage for your needs involves assessing various personal, geographical and financial factors to make sure you’re adequately protected. For auto and liability insurance, it’s important to weigh your driving habits and the value of your vehicle and consider what is enough coverage to protect your assets in case of a lawsuit. For homeowners insurance, if you live in an area prone to natural disasters, you might need extended coverage for your property. A VIU by HUB Advisor can help you break down the specifics and find the most relevant options for your needs.
VIU by HUB makes money through commissions earned when you buy a policy from one of our insurance carrier partners. In some cases, VIU by HUB may refer you to partner providers. When that happens, we collect a referral fee. Other VIU by HUB services are provided to you at no additional cost, because HUB is paid through the commissions we receive from insurers.
It's wise to review your policy annually or whenever you make significant changes to your home or belongings. VIU by HUB Advisors always look out for your best interests, so whether you’re looking to switch carriers, add coverages or need help getting insured for the first time, we’ll be sure to find you the protection you need at the best possible rate.
The plan covers any size or brand of most major appliances, including refrigerators, freezers, dishwashers, ranges and cooktops, ovens, built-in microwaves, washing machines, and dryers.
A VIU by HUB Advisor can work with you to revise your coverage limits or find a new policy that better fits your needs.
Asurion Appliance Protect plan has a monthly cost of $34.99, plus any applicable taxes and billed monthly to your credit or debit card on file.
A landlord insurance policy typically covers property damage, loss of rental income and liability if a tenant or guest is injured on the property. A VIU by HUB Advisor can walk you through any details as well as additional coverage options like rent guarantee insurance, natural disaster coverage, employer's liability (if you employ someone who works on the property) and legal expense coverage.
Standard condo insurance policies have limits for certain types of valuables. For high-value items, you might need additional coverage or endorsements. A VIU by HUB Advisor can make sure to add specialized coverage to your policy for any valuables you may have.
Nope. You can create a free account to import and manage your existing personal insurance policies. And if you're looking to renew or extend your coverage, VIU by HUB Advisors are standing by to offer carrier-neutral guidance and answer any of your insurance-related questions or concerns.
Condo insurance typically covers personal property, liability, permanent fixtures, loss of use (if your condo becomes uninhabitable due to a covered loss) and, at times, loss assessment for claims against the community's master policy. A VIU by HUB Advisor can make sure to include the coverages you’ll need in your condo insurance policy.
Umbrella insurance is beneficial for anyone who has assets that could be at risk in a lawsuit. This includes homeowners, car owners, landlords and individuals with significant savings or investments. If your potential loss from a lawsuit exceeds the coverage of your existing policies, umbrella insurance can provide the extra protection needed. A VIU by HUB Advisor can help you understand and compare umbrella insurance quotes quickly and easily.
Whether full coverage makes sense for you depends on several factors, such as the value of your motorcycle, your riding habits and your financial situation. If your motorcycle is expensive or new, full coverage can protect your investment. But for older, less valuable bikes, the cost of full coverage may not be the best option. A VIU by HUB Advisor can help you find the right motorcycle insurance that’s best for your needs.
Fetch pet insurance policies are priced depending on your pet’s age, breed and location. On average, policies for cats run approximately $20 per month and $35 per month for dogs.
While your landlord's insurance typically covers the building itself, it doesn't tend to cover a tenant’s personal belongings in case of damage or theft – or liability if someone is injured in your space. Renters insurance helps fill that gap to keep you financially protected against the unexpected.
Our pet insurance partner Fetch provides the most comprehensive dental coverage in the industry. Unlike other providers, they cover injury and disease in every adult tooth – not just the canines. Plus, you get full coverage for gum disease (the most common disease in dogs and cats), oral tumors, trauma and more. And for routine and preventive care, it's possible to include dental cleaning coverage with Fetch Wellness add-on.
The cost of umbrella insurance is relatively low compared to the amount of coverage it provides. Premiums vary based on several factors, including the amount of coverage, the policyholder's risk factors and their underlying policy limits. Generally, a $1 million umbrella policy can cost between $150 to $300 per year with additional coverage increasing the premium. Reach out to a VIU by HUB Advisor at 833-495-2748 to get options with the right coverage and price point for your needs.
While landlord insurance isn't typically mandated by law, the amount you should have depends on the value of the property, potential rebuilding costs, the level of liability risk you're willing to assume and the requirements set by your mortgage lender. A VIU by HUB Advisor can help determine the right amount of coverage for your situation.
A deductible is the amount you pay out of pocket for a covered loss before your insurance policy begins to pay. Generally, a higher deductible leads to a lower premium, since you're assuming more of the financial responsibility in the event of a claim. Lower deductibles result in higher premiums because the insurance company takes on a greater share of the risk.
Choosing the right deductible is a balance between what you can afford to pay out of pocket and the premium you're willing to pay while avoiding financial strain in the event of a claim. A VIU by HUB Advisor can help you determine the deductible amounts that make the most sense for your needs.
Read “How do home insurance deductibles work?”
Read “What you should know about renters insurance deductibles”
Whether you have coverage for water damage depends on your specific recreational toy insurance policy. Some policies, especially those for watercraft like boats and jet skis, may include water damage coverage. However, it's important to review any policy details with your VIU by HUB Advisor to make sure you’re covered for what you need.
It may be possible to lower your condo insurance premium by adding certain security features to your condo or by opting for a higher deductible. When purchasing a policy through VIU by HUB, an advisor will be sure to apply any available discounts before finalizing.
VIU by HUB works with over 50 insurance carriers, including Travelers, Nationwide, Safeco, Hartford, Liberty Mutual, Progressive and more.
From carrier-neutral policy guidance to finalization and ongoing advice, our services are free of charge. We’re independent digital insurance agents, which means we don’t sell policies issued by our own insurance company. Instead, we identify policies that are specifically relevant and right for you. And thanks to our A-rated insurance carrier partners – which means they’re top-ranked in financial strength and ability to pay claims – we’re able to offer their policies at the best possible price.
Insuring a motorcycle isn't necessarily a challenge, but often motorcycles are hard to insure for high-risk riders, like those with a history of accidents or traffic violations. It can also be tricky for high-performance or custom bikes, but an expert VIU by HUB Advisor can get you the right motorcycle insurance in no time.
VIU by HUB offers a variety of personal insurance policies, including instant digital quotes for auto, homeowner, renters, condo, life and pet. We also offer second home, umbrella, boat, bike, RV and many other kinds of policies by phone. We do not offer personal, individual or group medical health policies.
The amount of coverage you need depends on the value of your personal belongings and the level of liability protection you wish to have. Conducting a home inventory can give you a better idea of how much coverage you need for your possessions, but VIU by HUB Advisor can help you determine the specifics.
An umbrella policy is a type of liability insurance that provides additional coverage beyond the limits of the policyholder's standard insurance policies, like home or auto insurance. It kicks in when the liability limits of these other policies have been reached. An umbrella policy can help protect your assets from large and potentially devastating liability claims or judgments. A VIU by HUB Advisor can help you understand and compare umbrella insurance quotes quickly and easily.
Your privacy is our priority, and we will never sell your data or spam you. When we ask you to enter your personal and carrier information into the VIU by HUB app, it’s so we can import your insurance policies into your dashboard for easy access.
When comparing quotes, info like your birth date may significantly influence the price of your premiums. Your name and email enable us to create your personal insurance dashboard if you choose to purchase a policy on VIU by HUB. Lastly, your phone number lets us reach out to help you make the most informed insurance decisions.
What makes VIU by HUB different is we look out for your best interests by combining trusted industry expertise with transparent options and an intuitive platform that displays all your personal insurance policies in one place. We do the work for you, so you can compare quotes fast before making informed coverage decisions for yourself and for your family.
Common auto insurance coverages are liability, collision, comprehensive, uninsured/underinsured motorist, medical payments and personal injury protection.
Read "Auto accident coverage and adding additional coverage”
While some homeowners or auto insurance policies may offer limited coverage for recreational toys, this coverage is often not as comprehensive as a dedicated recreational toy insurance policy. For full protection, a specific policy for the recreational toy in question is recommended, especially for high-value items or those used frequently.
For now, only cats and dogs are eligible for a pet insurance policy with Fetch.
You should trust VIU by HUB because our parent company HUB International has been serving customers for 25 years, consistently ranked as one of the top five insurance brokerages worldwide. And with over 50 insurance company partners and more than 475 offices in North America, we’re fully equipped and ready to serve you for the next 25 years and beyond.
VIU by HUB works by providing customized quotes from among the leading insurance carriers to find you the most relevant policies at the lowest possible price. As your insurance needs changes and you move through life, VIU by HUB will be there to help make sure that you’re always getting the coverage you need. And with the VIU by HUB mobile app and a free account, you can store multiple policies all in one place for easy access and review.
Pet insurance from Fetch is a health insurance policy for your pet that helps to mitigate the costs associated with veterinary care. It can cover unexpected accidents and illnesses, offering financial protection for pet owners against large, unforeseen medical expenses. Fetch Wellness, an extended coverage add-on for routine and preventive care like vaccines and dental cleanings, is also available.
Adding or removing someone from your auto insurance policy is easy to do, but it may impact your rates. An advisor or carrier rep can get that sorted out for you in no time.
Loss Assessment coverage is an additional feature that covers your share of an HOA assessment. It protects you against charges incurred due to community property damages that exceed the master policy's limits. A VIU by HUB Advisor can be sure to include this in your policy when purchasing insurance through us.
What makes VIU by HUB different is we look out for your best interests by combining trusted industry expertise with transparent options and an intuitive platform that displays all your personal insurance policies in one place. We do the work for you, so you can compare quotes fast before making informed coverage decisions for yourself and for your family.
VIU by HUB Advisors are state-licensed agents with years of brokerage experience, meaning they’re equipped to find the best policy options for your budget and needs. Before working with you, our insurance experts complete a six-week training course specific to VIU by HUB’s superior standards and enroll in ongoing education to stay on top of changing requirements and developments within the insurance industry.
After filing an auto insurance claim, your insurer will assign a claims adjuster to investigate. They'll review any police reports, inspect vehicle damage, interview involved parties and determine fault. Depending on their findings, you'll receive a settlement offer covering repairs, replacements or medical expenses as applicable. If you agree, you'll be compensated; if not, you can negotiate. If you’re found to be at fault, your premiums might increase at the next renewal; if another party was responsible, your insurer might seek reimbursement from them or their insurance provider.
The cost of renters insurance varies depending on factors like the amount of coverage you need, your location, and the insurance provider. However, it’s generally affordable, with many policies ranging between $15-$30 per month.
The duration of an insurance claim process can vary depending on factors like the type of insurance you’re dealing with, the complexity of the claim, the efficiency of your insurance company and the specific circumstances of the claim. A simple insurance claim might be resolved in a few days to a few weeks, while more complex cases can take several months.
Minor auto accident claims generally take a few days to a couple of weeks to be resolved, for instance, whereas homeowners insurance claims can take longer. If there’s significant property damage, home insurance claims can take a few weeks to several months to fully process.
Read “How to prevent a homeowners insurance claim from being denied”
The amount of condo insurance you need will depend on various factors like the value of your personal property, the coverage level of your community’s master policy and any lender requirements if you have a mortgage. A VIU by HUB Advisor can help you determine the proper amount of protection for your unique situation.
Please dial 911 in case of an emergency. Otherwise, each insurance policy provides specific information on how and when to report a claim.
You can create a free online account to enjoy VIU by HUB's features and benefits by providing your name, email address and phone number on our account sign-up page.
The amount of coverage you should carry depends on the value of your motorcycle, your tolerance for risk and your personal financial situation. It's a good idea to carry enough liability coverage to protect your assets and to consider collision and comprehensive coverage for higher-value motorcycles. A VIU by HUB Advisor can help you determine exactly how much coverage is best for your unique needs.
We’ve partnered with Canopy Connect to provide a secure way to verify and import your insurance policies. After signing up for a VIU by HUB account and accessing your dashboard, you’ll see a prompt to import your policy. You’ll then be asked to enter the name of your insurance carrier and login info so we can pull in your policy details.
Generally, yes. This is because second homes are often considered higher risk for reasons like being left vacant for extended periods of time. The location, home condition, security features and frequency of occupancy can all affect premiums. A VIU by HUB Advisor can provide the most relevant options for your needs and your unique vacation home.
Standard homeowners insurance policies generally include coverage for the structure of your home, personal belongings, liability protection and additional living expenses incurred if a covered loss renders your home temporarily uninhabitable.
If you recently changed your email address, please contact the VIU by HUB Advisory Team at 833-495-2748 to notify them of any changes. If you have not changed your email address, this may be a website issue, and you can reach out to the VIU by HUB Technical Support Team by filling out the contact form above.
The Asurion Appliance Protect plan is a service contract that provides coverage for your eligible major appliances for a low monthly charge. It provides an easy claims process, quick enrollment, and no hidden fees.
Asurion Appliance Protect is different from a product warranty provided by a manufacturer. It does not extend the term of any manufacturer’s warranty.
If you have an issue with a covered appliance and your claim is approved, you will pay a flat fee of $99, plus applicable taxes, to get the appliance serviced.
Auto insurance is a contract between you and an insurance company that provides financial protection against physical damage, bodily injury and liability resulting from accidents.
Homeowners insurance policy rates generally depend on the value and age of the home, deductible amounts, coverage limits and other factors like location specifics.
Read “Surprising things that lower your homeowners insurance”
Yes. After importing an existing insurance policy or purchasing one through VIU by HUB, you'll be able to see basics like policy numbers and key dates plus coverage details, carrier information and related documents like your insurance ID card, declarations and more.
We maintain technical and organizational security measures that are designed to protect the security of your personal information against loss, misuse, unauthorized access, disclosure or alteration. If you have reason to believe that this data is no longer secure, please notify our Chief Legal Officer by calling 866-415-2207 or sending an email to privacy.compliance@hubinternational.com.
Please follow the instructions provided on the error message and, if trying to compare quotes, call a VIU by HUB Advisor at 833-495-2748. You can also visit our technical support page to try and troubleshoot common website issues, or fill out the contact form to get in touch with the VIU by HUB Technical Support Team for website assistance.
VIU by HUB is a new kind of digital insurance platform, dedicated to meeting your unique personal insurance needs. Whether you need a new policy or want to look at your existing coverage, our advisors and easy-to-use platform make sure you get the most value from the right options for you and your family.
Sorry, no. Any preexisting damaged devices are not covered under the plan prior to enrollment. If you need a repair on a device that was damaged prior to enrollment or that is not covered under Asurion's Home+, uBreakiFix by Asurion stores can assist you with a repair. Feel free to schedule a service online or visit one of the 700+ stores.
Please see the Asurion's Home+ Terms and Conditions for complete program details.
Typically, insuring a motorcycle can be cheaper than a car due to the motorcycle's lower value. However, the actual cost depends on factors like the motorcycle's model and location as well as the rider's age and experience.
Some motorcycle insurance policies may cover safety equipment like helmets and protective gear, either as a standard or with additional coverage. A VIU by HUB Advisor can make sure to verify this with your insurance provider.
Standard second home insurance policies generally include coverage for the structure of your home, personal belongings, liability protection and additional living expenses incurred if a covered loss renders your home temporarily uninhabitable. A VIU by HUB Advisor can help you understand and compare the right second home insurance quotes for your needs.
Whole life insurance is a type of permanent life insurance that provides coverage for the policyholder's entire life, as long as premiums are paid. In addition to the death benefit, it includes a savings component known as cash value, which grows over time and can be borrowed against. Whole life insurance typically has higher premiums than term life insurance but offers lifelong coverage and the ability to accumulate cash value. A VIU by HUB Advisor can help you compare whole life insurance quotes quickly and easily.
Whether you need life insurance depends on your personal and financial circumstances. If you have dependents, significant debts or want to leave a financial legacy, life insurance can provide financial security for your beneficiaries. It's particularly important for those whose death would create a financial burden, such as loss of income, for others. A VIU by HUB Advisor can help you compare policies and find the right life insurance in no time.
Depending on when it was sent, your email confirmation may be expired. Please try and resend the confirmation by following the same steps and be sure to check your spam folder in case the message was redirected. If that doesn’t work, please reach out to the VIU by HUB Technical Support Team by filling out the contact form on this page.
Depending on the nature of your rental activity, you may need a landlord policy. Landlord insurance offers different protections compared to a standard second home policy, which might include coverage for short-term rentals. A VIU by HUB Advisor can walk you through all your relevant options after discussing your unique second home situation and needs.