Frequently Asked Questions
About Us
Bllota policies are primarily sold online through our website or our mobile apps. Customers are required to download the app in order to manage their policy, get help from our team, and file claims.What kind of policies does Bllota offer?
We currently offer renters, homeowners, Car and pet health insurance. We’re constantly working on new and exciting products and features. We recommend following us on Twitter to get updates about new stuff as it becomes available.
we’re coming soon, so stay tuned via Twitter or sign up here for updates.
If you have a Bllota policy or have had one in the past and need help now, click here to get started. Otherwise, you can always get in touch with our team through our app or website.
We highly value and respect your privacy (see our Privacy Policy). We will never sell your information, or share it with anyone except for the purposes of providing our services and promoting our business.
Homeowners
Homeowner premiums are calculated individually for each policyholder and are based on a number of different factors, including the value, condition, and construction quality of your home, as well as your insurance history, previous claims and more. Here are things that could affect your homeowners price:
- The more coverage you add the higher the premium gets.
- The higher deductible you choose, the lower the price will get.
- Better maintained homes and low risk areas cost less to insure.
- Insurance history that’s full of claims will increase your price, and in some cases even prevent us from being able to cover you.
- Protective devices such as deadbolts, burglar alarms, and smoke alarms will get you a discount.
- Bundling with other Bllota products, such as pet insurance, will get you a discount.
- Paying annually will reduce your premium.
Your policy price (the ‘premium’) is mostly affected by the coverage amounts of your policy, which you can easily adjust before payment. A higher deductible may lower your price. Your deductible is the amount that will be deducted from any claim payment you may receive. Think of it as your participation in the damage or loss. In addition, your rate may be reduced if you live in areas that are less susceptible to environmental, crime, or weather-related damages and if you own protective equipment such as fire and burglar alarms.
Congrats on the new place! If you haven’t moved in yet, we recommend keeping your renters insurance active, and getting a new homeowners policy for your new home. After you’ve moved out of your rental apartment and into your home, use the Bllota app to cancel your renters policy.
It might. History shows a record of making claims are more likely to make claims in the future. In fairness, our rates have to take all relevant data points into account, and your claims history influencing your rate. As your history changes (for better or worse) over time, your rates may reflect it. Some jurisdictions restrict our ability to increase rates due to prior losses.
You can cancel your policy at any time through the Bllota app and receive a refund for the remaining period you’ve paid for. If you ever want to come back, we’d love to have you! But please be aware that insurance prices change from time to time, so your new policy may come with a different rate.
We say we have great prices, and we mean it. But while our prices tend to be cheaper than those of the more established players, that won’t always be the case. Insurers use different models and data sets to establish prices, and on occasion, our prices will be higher than someone else’s. It’s the way statistics work.
Coverage
A Bllota Homeowners policy covers your home and property for damages caused by things like extreme weather, crime, and vandalism. It also protects you against liability claims for damages you accidentally cause others, like if you cut a tree down in your yard and it falls on your neighbor’s car. In cases where your home becomes unlivable, we’ll also cover the costs of alternative living arrangements.For a complete list of coverages, we recommend getting a quote. You’ll be able to see and make changes to your coverage, deductible, start date, and more. After buying a policy, we’ll send you a copy of your new policy by email.
Here are things that could affect your homeowners price:
- The more coverage you add the higher the premium gets
- The higher deductible you choose, the lower the price will get
- Better maintained homes and low risk areas cost less to insure
- Insurance history that’s full of claims will increase your price, and in some cases even prevent us from being able to cover you
- Protective devices such as deadbolts, burglar alarms, and smoke alarms will get you a discount
- Bundling with other Bllota products, such as pet insurance, will get you a discount
- Paying annually will reduce your premium
Sure. Before purchasing a policy, you’ll be able to adjust the coverages you need as well as choose a deductible that works for you. Naturally, we have maximum and minimum limits to all coverages. Your “Replacement Cost” coverage limits (the estimated cost of completely rebuilding your home) can be modified within reason, as this is regulated in order to prevent unnecessary risk-taking. After you buy a policy, you’ll be able to view and edit your coverages through the Bllota app.
The short answer is yes with additional Premium, but we recommend adding their name to your policy.
If you’re living with your significant other, we recommend adding their name to your policy (at a minor additional cost). Beyond adding their name, make sure you update your Personal Property coverage to include the stuff they keep in your home as well.
Yes. Bllota Homeowners policy covers your personal property “anywhere in Saudi arabia” (that’s straight from our policy).If your bike gets stolen from in front of your apartment or your laptop gets stolen from your local coffee shop, you are covered up to your policy’s Personal Property limit. Your deductible applies, and we’ll also need you to file a police report with the officer’s name, precinct/department, and report number. Keep in mind, a stolen pet is not covered under any of our policies.
Unfortunately, insurance doesn’t cover e-v-e-r-y annoying thing that can happen. Things like your power, water, or heat going out in the dead of winter, or a bed bug infestation, aren’t covered by homeowners policies. That means we can’t reimburse you if any of those things happen.
We also don’t cover personal property that gets mistakenly lost or broken. Here’s a guide to what’s covered and what’s not under your homeowners policy.
Yes! Your Bllota Homeowners policy covers your personal electronic equipment up to the amount you select for your Personal Property limit when signing up. Coverage for laptops, phones, tablets, TVs, and other personal electronics are all included, as standard, in the policy. Please note that this is coverage against the list of specific, named perils mentioned in the policy such as theft, fire, explosion, vandalism, etc. Be careful with that computer, because your policy doesn’t cover loss or breakage if you drop it!
For personal property stored in a self-storage facility, or usually stored at a place other than your home, our policy covers you for theft .Make sure to review your policy to understand the amount of coverage you have. Oh, and if your personal property is stored in the basement of your condo or apartment building, it’s covered because it’s still at your home address.
Your base policy already covers direct loss caused by fire, explosion, or theft resulting from earthquakes.
We offer Personal Liability protection as part of our homeowners policies. This means Bllota will hire a lawyer to defend you, and we’ll pay covered damages you are found liable for, in the event someone claims to be injured due to your actions or negligence, or if there’s property damage to someone else’s property caused by your actions or negligence. Make sure to read your policy. If you experience an incident that may fall under this coverage, then make a claim using our app.
Payments
As a homeowner you have one payment option:
- payment using your card.
- If you’d like to pay directly, we will ask you for your credit card details.
- Regardless of how you end up paying, know that you can always cancel your policy and get a refund for the remainder of the period you’ve paid for.
Claims
Easy! Just open the Bllota app or website and hit the ‘Claim’ button. We will guide you through the rest of the short process there.
Your policy price (the ‘premium’) is mostly affected by the coverage amounts of your policy, After you complete the claim report on the Bllota app or website, you will be asked to enter your bank account information. Once your claim is approved, we’ll issue payment, minus the amount of your deductible, directly into your account.
Our goal is for the majority of simple property claims to be paid almost instantly. There will be cases in which we’ll need to fully review the incident to approve the claim, and there will be property damage claims or liability claims that may take longer to settle. If this is not the first loss you are reporting, or if some of the information we require is missing from your report, our team will need extra time to manually assess the incident and will most likely get in touch with you for further review.
There’s no better way for us to understand your incident than by having you tell us in your own words. It only takes a minute to shoot the video. We’ll use your video solely for the process of handling or reviewing your claim.
We define an emergency as an event that requires immediate assistance or temporary housing as a result of fire, ongoing water damage, or any other structural damage that leaves your home exposed. Shortly after you report an emergency, our response team will call you to assess the situation and provide you with emergency services such as water or fire damage cleanup, temporary housing, or a designated specialist as soon as possible. We have your back, 24/7.
When filing a claim for your property, if you have receipts—that’s great! But, we know that not everyone saves their receipts. Do try and be sure to keep your receipts for the more expensive stuff you buy, That way, we can settle your claim more quickly. Even if you don’t have the receipt, keeping note of where and when you purchased more expensive items will help us help you.
Our homeowners policies offer ‘replacement cost’ for any destroyed, damaged, or stolen items. This means we’ll calculate the value of your item based on its current, lowest, as-new market value. If the item is no longer being sold, we will look for a similar one, and use that price for reference.