Consumer Library

At Oyster, we are providing affordable and transparent insurance for your personal items. Currently you can insure bikes, eBikes, jewelry, collectibles, phones, laptops, and other electronics. Our full product suite can be found in the product pages from the navigation bar 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. 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-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.