Our Mission: Clarity in Coverage

Insurance shouldn't be a gamble. Yet, for owners of specialized assets—antique instruments, e-bikes, graded collectibles—standard homeowner policies often provide an illusion of safety rather than actual protection.

NichePolicy was founded by a coalition of insurance adjusters, data scientists, and passionate collectors who saw a gaping hole in the market: Transparency.

The Problem with "Standard"

Most general insurance carriers treat a $10,000 custom e-bike the same way they treat a $100 department store bicycle. They depreciate value aggressively, deny claims based on obscure usage clauses, and cap payouts significantly below replacement cost.

When you file a claim, you aren't just fighting for a check; you're fighting an algorithm designed to minimize payout.

Our Methodology

We don't sell insurance. We audit it. Our "Truth through Clarity" framework involves:

• Policy Text Analysis: We read the fine print (so you don't have to) to identify exclusion clauses.
• Real-World Valuation: We partner with auction houses and marketplaces to determine fair market value, not just "book value".
• Claim Simulation: Our calculators simulate claim scenarios to predict payout success rates.

"True coverage is binary: you are either protected or you are paying for peace of mind that doesn't exist. We exist to eliminate the gray area."

Meet the Editors

Contact Us

Have a policy you want us to review? Or a collection you need help valuing?

Email our research team at research@nichepolicy.com.