Coverage At-a-Glance
Insurance is about more than writing a check after something goes wrong.
At VTRO, prevention is at the heart of how we protect California homeowners. Every policy comes with connected water sensors that are monitored in real time. These sensors have been proven to reduce water-related losses by nearly 40 percent, saving families money, stress, and time.
We also provide access to a responsive mitigation network. If a sensor triggers or an issue arises, our network can help address the problem before it grows into a costly repair. It is a smarter way to protect the place you call home.
bolt Prevention Technology
Water sensors are used with every VTRO policy. They are simple to install, connect seamlessly, and continuously monitor for problems. Alerts notify homeowners when action is needed, and VTRO can coordinate support to stop damage before it spreads.
This technology provides peace of mind by helping protect the home, the belongings inside it, and the future that families have built.
Every household has unique risks. VTRO provides protections that reflect the way Californians live.
Coverage for connected devices, electronics, and home technology, helping families safeguard the tools they rely on every day.
Liability and physical damage coverage, with safeguards for family safety.
Protection for households with electric vehicles or e-bikes, including fire risk during charging.
Coverage for one of the most common home upgrades across the state.
Workers compensation coverage for nannies, caregivers, or household employees, protecting both families and those who work in the home.
Why It Matters
Homeowners insurance has always been about recovery. VTRO takes a proactive approach. With prevention tools, a mitigation network, and coverage tailored to California homes, we help reduce risks before they turn into claims.
This approach gives homeowners greater confidence that their property and their future are protected with care and foresight.
