VIU by HUB is a digital insurance platform, developed by HUB International, one of the largest personal lines insurance brokers in the U.S. It is designed to simplify the way individuals shop for, compare, and manage personal insurance policies across multiple carriers - all in one place.

VIU by HUB is an independent digital insurance platform. Residents interact directly with VIU by HUB through a secure, omni-channel experience, regardless of their property management provider. The platform offers unbiased advice, transparent options, and a single view of protection for all policies, ensuring residents have control over their insurance journey without being tied to any specific management company.

No, VIU by HUB is not the insurance provider. Instead, VIU by HUB acts as a digital platform that aggregates insurance options from more than 50 national insurers including Travelers, Nationwide, Safeco, Hartford, Liberty Mutual, Progressive and more. This streamlined, user-friendly platform makes it easier for you to shop, compare, and purchase the coverage that best fits your needs, all in one convenient place.

VIU by HUB offers a variety of personal insurance policies, including instant digital quotes for auto, homeowner, renters, condo, life and pet. They also offer second home, umbrella, boat, bike, RV and many other kinds of policies by phone. They do not offer personal, individual or group medical health policies.

FirstService Residential’s affiliate FS Insurance Brokers has partnered with VIU by HUB to empower residents with greater choice, transparency, and control over their personal insurance decisions. This collaboration reflects FirstService’s commitment to risk management and its mission to enhance the quality of life for every resident. By integrating VIU by HUB’s digital insurance platform, residents gain access to a wide range of coverage options from top-rated carriers, along with expert, unbiased guidance tailored to their individual needs. This not only supports smarter financial protection but also aligns with FirstService’s responsibility to provide innovative solutions that simplify and safeguard the homeowner experience.

VIU by HUB empowers homeowners by streamlining and simplifying the insurance shopping process. Homeowners can easily quote, compare, and purchase coverage tailored to their needs, all stored securely in a digital wallet for simple management. The platform continuously monitors available insurance options to help residents find coverage at competitive prices, while the VIU by HUB licensed advisors provide personalized guidance without pushing any specific carrier.

VIU by HUB tailors insurance coverage recommendations by combining smart technology with expert guidance. The platform collects key details about your home, lifestyle, and coverage preferences, then uses that information to compare quotes from over 50 carriers. Based on your unique profile, VIU by HUB highlights the most suitable options and connects you with licensed insurance advisors who offer unbiased advice. It also continuously monitors your policies and alerts you when better coverage or pricing becomes available.

You can shop and compare insurance quotes with VIU by HUB almost instantly. The platform is designed to deliver real-time quotes from over 50 carriers based on the information you provide. Once you enter your details—such as your home address, coverage needs, and preferences—VIU by HUB generates personalized quotes within minutes, allowing you to quickly review, compare, and select the best option for your situation.

To determine the right amount of insurance coverage for you, VIU by HUB helps assess your specific needs based on several factors. These include the value of your home and belongings, your location and associated risks (like flood or wildfire zones), your financial situation, and your personal preferences for deductibles and liability protection. The platform uses this information to recommend coverage levels that balance protection and affordability. Additionally, licensed advisors are available to guide you through the process.

A deductible is the amount you pay out of pocket for a covered loss before your insurance policy begins to pay. Generally, a higher deductible leads to a lower premium, since you are assuming more of the financial responsibility in the event of a claim. Lower deductibles result in higher premiums because the insurance company takes on a greater share of the risk. A VIU by HUB Advisor can help you determine the deductible amounts that make the most sense for your needs.

The time frame for filing an insurance claim after an incident, known as the "claim filing window," varies depending on the type of insurance and the specific terms of your policy. Generally, it's advisable to file a claim as soon as possible.

Insurance claims are handled by your insurance carrier, and most claims service centers are open 24/7.

FS Insurance Brokers plays a critical role in enhancing the value of the VIU by HUB platform for residents by contributing deep expertise in underwriting data, risk management practices, and community-specific insurance insights. FSIB brings a nuanced understanding of the unique risks faced by residential communities and shares high-quality underwriting data to help VIU by HUB's digital platform offer insurance options that are competitive and appropriately tailored to each resident's living environment.

FS Insurance Brokers (FSIB) receives a portion of the commission revenue when residents purchase insurance through the VIU by HUB platform. This arrangement supports FSIB's role in helping deliver tailored insurance solutions. FirstService Residential does not receive any revenue from this partnership.