At Oyster, we are providing top-rated insurance for your personal items and experiences. Currently you can insure bikes, eBikes, jewelry, collectibles, phones, laptops, and other electronics. Our full product suite can be found here and is ever-expanding.

Standard homeowners and renters insurance rarely provides adequate coverage for your personal items in day-to-day life. Risks that are specific to your belongings (such as mysterious disappearance for your jewelry or third-party liability for your bike) are not covered. Perhaps the largest drawback is that the maximum payout per item is normally capped at a relatively low amount (i.e. $1,500), while keeping a high deductible (i.e. $1,000) per claim. If you'd like to learn more about the key differences between Oyster and homeowners or renters insurance, check out our blog post here.

Oyster offers insurance, which is different from warranty protection. Warranties typically only cover manufacturing defects and never theft and loss. Insurance covers all the important and common risks, including theft, loss, and accidental damage, at a minimum. Depending on the specific product you insure, insurance will also cover risks specific to that product, such as third-party liability, medical payments, and mysterious disappearance.

We sure are! Oyster operates as a licensed property & casualty insurance agency for selling insurance policies. We work with a select group of top A-rated insurance companies to underwrite the insurance products that we offer. This allows us to offer a wide range of products and the most comprehensive coverage available.

The price of insurance varies based on a few factors, including the type and value of the product you are insuring. You can customize the policy to fit your budgets and your needs. Getting a free, no-obligation quote takes less than a minute with Oyster.

Integrating with Oyster can be as quick as it takes to read through these FAQs! We support multiple integration methods, from no-code options as simple as adding a Shopify app to your store, to entirely custom low-code solutions your team can integrate into any eCommerce platform. We will also support you in every step and our team is just a message or phone call away.

Oyster is completely free to use for our merchant partners. There are no integration costs, no upfront or ongoing fees, and no catch.

Our merchant partners enjoy higher conversion on purchases when they can assure their customers that their purchase will be protected. Additionally, as a merchant partner you'll earn a referral fee for each insurance application as well as increased revenue from replacement/repair purchases. If you are interested in our partnership program, send us an email at hi@withoyster.com.

We partner with leading insurance carriers and offer comprehensive coverage against the most important and common risks your customers may encounter. Our coverages are specifically designed for each product, rather than a cookie cutter approach, so please get in touch with us for full coverage details.

We cover all kinds of personal products, including (but not limited to) bikes and ebikes, jewelry, collectibles, phones, electronics, and more. Any product that a consumer buys, we are there to help them protect it.