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You can report claims directly to your insurance carrier. Most carriers offer 24/7 claims hotlines. Your VIU by HUB broker can also assist you through the process. Our claims information can be found here.
For more information, check out our claims page.
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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.
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.
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.
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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.
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.
Yes. Many insurers offer possible discounts if for example, you install smoke detectors, security systems or bundle home and auto insurance together. Please speak with a HUB broker to review all discounts and ensure they are applied.
Spaying/neutering can be added as an additional benefit to your monthly plan.
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.
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.
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!
Reach out to a VIU by HUB broker today to compare quotes from top insurers and find the right boating insurance for you. You could save money by increasing your deductible which will help lower your monthly or annual premium and bundling your policies to secure a multi-policy discount.
Please speak with a VIU by HUB broker to discuss boating 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.
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.
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.
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.
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.
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.
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.
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.
No, Asurion Appliance Protect will not impact your homeowners insurance. Instead, it is designed to complement your coverage by protecting your eligible home appliances.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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Yes - Spot pet insurance accident & illness plans can help cover the eligible costs of covered dental illnesses and tooth extractions due to accidents. Spot also offers preventive care add-ons for an additional cost, which can help cover routine dental cleanings.
Connect with the VIU by HUB team via chat to review available options for auto, home, tenant, condo, seasonal vehicles, life, pet insurance and more. For website issues, call 1‑888‑881‑8045.
VIU by HUB works with over 50 insurance carriers, including Travelers, Nationwide, Safeco, Hartford, Liberty Mutual, Progressive and more.
Typical auto insurance policies may include liability coverage, collision protection, comprehensive coverage for non-collision damage, uninsured or underinsured motorist coverage, medical expense coverage and personal injury protection.
Once you file a claim, your insurance company assigns a claims adjuster to review the details. They’ll assess the damage, review police reports, speak with those involved and determine who’s at fault. Based on their findings, you’ll receive a settlement offer to cover repairs, replacements or medical costs.
If you agree to the offer, your insurer will issue payment. If not, you can negotiate. Keep in mind that if you’re found at fault, your premiums may increase at renewal. If another driver is responsible, your insurer will usually seek reimbursement from their insurance company.
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.
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.
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.
Please submit your request through VIU by HUB MyAccount. If you need help during business hours, you can chat live with an agent via our chatbot.
If you’ve updated your email address, please notify us at 1-888-881-8045.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Once you file a claim, your insurance company assigns a claims adjuster to review the details. They’ll assess the damage, review police reports, speak with those involved and determine who’s at fault. Based on their findings, you’ll receive a settlement offer to cover repairs, replacements or medical costs.
If you agree to the offer, your insurer will issue payment. If not, you can negotiate. Keep in mind that if you’re found at fault, your premiums may increase at renewal. If another driver is responsible, your insurer will usually seek reimbursement from their insurance company.
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.
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
Vaccinations can be added as an additional benefit to your monthly plan.
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.
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.
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.
Read “Your ultimate umbrella insurance guide”
Explore umbrella insurance
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.
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.
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.
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 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.
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.
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.
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.
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 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.
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.
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.
It’s health insurance for your pet. Pet insurance helps cover unexpected medical costs from accidents or illnesses, so you can focus on care, not cost.
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.
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.
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.
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.
Currently, coverage is available for cats and dogs.
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.
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.
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.
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.
Yes - with the optional Spot Wellness add-on, you can include preventive care like annual exams, vaccinations, dental cleanings and flea/tick prevention.
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.
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.
It’s a contract between you and an insurance carrier that protects you from financial loss if you’re in an accident, if your vehicle is damaged, if you’re held liable for injury or damage to others.
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.