01
Dwelling & structures
Replacement-cost protection on the home, attached and detached structures, never market value, always rebuild cost.
AiM · Home insuranceUSA & Canada · 200+ homeowners
Trusted by homeowners
- USA & Canada
- 200+ homeowners
- 50+ carriers
- Same coverage
- Reply in 24 hours
$1,247+Avg. annual saving
50+Providers compared
200+Homeowners served
Cumulative results across Car Concierge Pro and AiM services since 2019. Average annual saving is per negotiated policy. Individual results vary.
What AiM does for you
Smarter savings,
same coverage.
If your homeowners insurance went up this year and nothing about the house changed, you are looking at a renewal increase, not a new risk. Owners and renters across the USA, Canada & UAE trust AiM to negotiate the same dwelling, liability and contents coverage at a meaningfully lower premium.
Not sure whether it is worth switching home insurance companies? Model it first on the savings calculator, or read our homeowner coverage guides before you talk to anyone.
For the mechanism rather than the service, why homeowners insurance premiums are rising takes rebuild cost, roof age and deductible structure in order, and the declarations page checklist lists every field to check on the document we ask for.
If your renewal named a culprit, the detail is in roof actual cash value versus replacement cost settlement, how percentage wind and hail deductibles work and what to do about a homeowners non-renewal notice.
02
Personal property
Furniture, electronics, jewelry and high-value items insured at full replacement value, scheduled where it matters.
03
Liability that holds up
Bodily injury and property damage caused by you, your family or your pets, including legal defense costs.
04
Disaster riders
Wildfire, flood, windstorm and earthquake riders priced for your actual ZIP, not a regional pool.
Why does this matter?
New-purchase home policies are the most over-priced moment in the entire policy lifecycle.
Lenders rush homeowners, and carriers know it. A binder written to clear a closing date is priced for speed, not for you, and it renews on its own terms unless somebody opens it. Send us yours before the first renewal and we will price the same coverage properly — while there is still time to change it.
Just closed? Request a concierge and we will review the binder before the lender’s escrow payment locks it in.
Pricing
Aligned with your savings.
Our pricing is built around the savings we deliver. You only pay when you benefit, and the terms are the same on every page of this site.
No savings, no fee
$0
If we can't save you money
No retainer, no consultation fee, nothing to cancel.
Success-based
25%
Of your first-year savings
Charged once, on what we actually save you in year one.
New-policy placement
$149
Flat, one time
Only where there is no existing premium to negotiate against — a first car, a newly closed home, a newly bought boat.
Get my free quote
25% of first-year savings · $149 flat fee for new-policy placement · $0 if we find no savings
How it works
Four steps,
about a week.
From your declarations page to a side-by-side comparison sitting in your inbox. We do the work; you decide what to do with the savings.
Step 01
Submit your policy
Share your existing home or renters insurance details. Five minutes, no card.
≈ 5 min
Step 02
We analyze & compare
Our team checks for lower-priced alternatives with the same dwelling, liability and contents coverage.
24h audit
Step 03
Savings report
If we find a better rate, we notify you with actionable recommendations, in plain English.
Same week
Step 04
You decide, we handle it
Switch, renegotiate or stay. Either way the report is yours, and we handle every form.
When ready
Ready when you are
No upfront cost.
Trusted by households
1100+ clients served, and counting.
Home premiums have moved faster than almost any other line, and a renewal notice is the one letter nobody reads twice. Households across the USA and Canada let AiM read the policy, benchmark it and take the result back to their carrier.
Cumulative results across Car Concierge Pro and AiM services since 2019. Average annual saving is per negotiated policy. Individual results vary.
Frequently asked
Answers to common questions.
Will I have to switch carriers to save?
Not necessarily. We take the market result back to your current carrier first, because retention departments usually discount rather than lose a policy. If another carrier genuinely beats them on identical coverage, we show you both prices side by side and you decide.
Does this work if I just bought my home?
Especially well. A new-purchase binder is written under time pressure, often by whoever the lender or the title company could reach fastest, and it is rarely shopped. Send it to us before the first renewal and we will price the same coverage properly while there is still time to change it. We will not quote you a saving before we have read the binder.
Do you handle landlord and rental property policies?
Yes: DP-1, DP-3 and full landlord packages with loss-of-rent and liability included. Multi-property investors typically save the most because we consolidate to a single carrier with portfolio pricing.
What about flood, earthquake and hurricane coverage?
Standard HO-3 policies exclude all three. We add NFIP flood policies, private excess flood, earthquake and named-storm endorsements priced against your specific exposure, not a national pool.
What does the review cost?
Nothing upfront. If we find no savings you owe nothing. When we do save you money we keep 25% of the first-year savings, and a flat $149 applies only where there is no existing premium to negotiate against -- a first car, a newly closed home, a newly bought vessel with no cover yet.
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Still weighing it up? Read exactly what we charge, what recent clients saved, or how negotiating compares with doing it yourself, an agent or a comparison site.