Albus is different from insurance brokers in 3 key ways:
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• Insurance monitoring: Our insurance monitoring tool continuously scans for cheaper policies with the same coverage. On the other hand, insurance brokers only help you find your first policy and do not constantly look for new ones to keep your cost low year after year.
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• AI technology: We constantly scan the insurance market using our proprietary AI technology. Compared to insurance brokers, our AI is faster, more comprehensive, and operates 24/7/365, making us more effective at finding the cheapest policy with the same coverage for you.
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• Aligned incentives: We only charge 25% of what we save you. For example, if we find you a new policy that is $1,000 cheaper, we only charge $250. We make money by saving you money, aligning our incentives with yours. Traditional insurance brokers, on the other hand, make money from commissions and fees earned as a percentage of what you pay for your policy. For example, if your policy is $2,000, they may earn 10% ($200) for the first year and 5% ($100) for each year you renew. They make money by selling you the highest-priced policy you’d buy.

Albus is on a mission to help individual rental home investors re-capture the $100 billion they currently leave on the table due to under-optimizing their real estate assets. We're starting with bringing down insurance costs for our customers, and will soon be expanding to areas in legal, tax, and finance, all in one integrated experience. At the end of the day, what does this mean for you? Higher returns, and lower hassle. That’s the Albus magic.

Albus uses a PDF of your policy declarations page to learn about your current coverage details. We use those details to compare rates across top providers to find you the cheapest rate for your exact coverage. Once you give us your approval, we'll then coordinate between your current insurance company, new insurance company, and escrow to switch to the new policy and get your refund. From there, we'll continue to monitor insurance rates for you automatically, for free, ensuring you're always paying the lowest rates.

Albus charges a one-time fee of 25% of what we save you. For example, if we save you $1,000 by switching to a new policy, our one-time fee is $250. Until we find you a cheaper policy, our services are provided completely free of charge. We only win when you win.