Transparent Smart Rates

No mystery calculations. We combine a stable base rate with your live telemetry performance metrics to determine final monthly totals.

Select Your Base Tier

Choose the package that aligns with the telemetry streams you want to connect to maximize your savings.

Starter Log

$29/mo base

Up to 15% Max Log Discount

  • 1 Active Telemetry Feed
  • Self-Sync API Updates
  • Standard Claims Assist
  • Continuous Risk Index
  • Multi-Device Bonus
Select Starter

Home Sentinel

$69/mo base

Up to 40% Max Log Discount

  • Home IoT Alarm Feed
  • Water Leak Telemetry
  • Priority Claims Assist
  • Continuous Risk Index
  • Multi-Device Bonus
Select Sentinel

Unified Executive

$99/mo base

Up to 55% Max Log Discount

  • Unlimited Sync Feeds
  • Priority Adjuster Line
  • Instant Deposit Settlement
  • Continuous Risk Index
  • Multi-Device Extra Bonus
Select Executive

Full Feature Matrix

Feature Description Starter Log Smart Driver Home Sentinel Unified Executive
Base Subscription Cost $29/mo $49/mo $69/mo $99/mo
Log Streams Supported 1 Stream Auto Only Home Only Unlimited Feeds
Real-time Premium Adjustments (Daily) (Instant) (Daily) (Real-time)
Claims Processing Path Standard Form Auto-Telemetry Sensor Verified Instant Settlement
Mobile Tracker App
Data Privacy Control Centre
Corporate Compliance Logs

Quote Cost Estimator

Use our smart log estimator model to see how your active dashboard metrics will translate into monthly discounts on your base rates.

Safe deceleration rates above 90% and maintaining smoke monitor device online averages above 98% automatically unlock our highest saving brackets.

Estimate Premium Discount

Telemetry Discount Stacking

Why limit yourself to one category of savings? Insurify SmartLog lets you connect driving, home safety, and health telemetry channels simultaneously. Stacking streams reduces risk profiles and unlocks bonus tier reductions.

Adding a second logging channel automatically unlocks a flat 5% multi-device stack bonus, while connecting three or more channels triggers our Executive 10% stack discount.

Example Calculation: Auto Safe Driver (35%) + Home Sentinel (15%) + Apple HealthSync (5%) + Executive Stack (10%) = 65% Total Premium Discount.

Stacking Limitations

  • • Maximum cumulative discount capped at 65% per policy
  • • Active heartbeats required from all connected devices monthly
  • • Individual category scores must check above 80% to stack

Commercial & Fleet Group Plans

Extend telemetry rate benefits to commercial fleets, company cars, and residential building networks.

Courier Networks

Tailored for local shipping and delivery vans. Connect route metrics and speed safety limits via OBD-II APIs.

Custom Underwriting SLA

Smart Apartments

Building-wide leak sensors and centralized smoke sentinel logs for real estate developers and landlords.

Volume Discounts Active

Enterprise Executive

Unified packages matching executive travel fleets. Complete compliance audit reporting tools.

API Sandbox Included

Billing Details

Billing Recurrence Monthly invoice cycles
Grace Period 14 days for connection dropped heartbeats
Dispute Window 60 days for database re-evaluation manual audits

Billing & Flexible Payment FAQs

We want payment calculations to be simple and intuitive. Because premiums are tied directly to your active device scores, monthly invoices will naturally adjust as your telemetry habits evolve.

If your driving scores improve from 90% to 98% during a billing period, the additional rate discount is automatically subtracted on your subsequent cycle invoice.

Savings Forecast Matrix

See projected monthly and yearly dollar savings based on typical user profiles and telemetry habits.

Remote Worker Profile

Low daily automobile mileage combined with active Nest smoke alarm monitoring logs.

$340 / yr saved
Typical Plan: Starter + Home

Daily Highway Commuter

High daily mileage, but maintains 98%+ safe deceleration and speed limit adherence scores.

$480 / yr saved
Typical Plan: Smart Driver Tier

Connected Smart Home

Full home automation, including moisture alerts, smart locks, and connected security cams.

$580 / yr saved
Typical Plan: Home Sentinel Tier