Overview
Goodcover is a cooperative renters insurance company founded in 2017 by Christopher Lotz and Daniel Di Spaltro and headquartered in San Francisco, California. Backed by Y Combinator (S17 batch), Goodcover operates as a Managing General Agent that administers personal insurance on behalf of its member cooperative. Unlike traditional insurers, Goodcover takes a fixed fee on every policy, pools premiums to pay claims, and returns remaining funds to members through an annual dividend. The cooperative model eliminates the conflict of interest where insurers profit from denying claims. Goodcover is fully licensed in 39 U.S. states and works with AM Best A-rated carrier partners.
At a Glance
- Founded
- 2017
- Headquarters
- San Francisco, CA
- Employees
- 11-50
Category & Focus
- Category
- Renters Insurance / Personal Lines Carrier
Links
Last updated: 2026-05-17