Tugboat is the consumer infrastructure layer of property insurance, supporting policyholders during the most challenging moments of their insurance journey. Insurance claims are the most consequential time in that journey, both financially and emotionally, and that is where the core of Tugboat's tools and support lie. Homeowners, business owners, and renters use Tugboat to document their property before a loss, understand what their policy actually covers, and move through a claim with expert guidance at every step, from first notice to final payment. Tugboat reaches people both directly and through the institutions already in their lives, offered by apartment owners, financial institutions, and employers to everyone they serve. Members who settle with Tugboat's support recover roughly $25K more on average, and roughly $54K more after wildfire.