HouseholdsAIRoboticsStandardRequireRatingMarketModelVisionPitch日本語
Roboline Home · The all-in-one household bundle

One policy for everything in your home that thinks and moves.

The vacuum, the mower, the AI oven, the humanoid arriving next year — and whatever you buy after that. Not a device list you maintain. One bundle that covers every embodied machine under your roof, for one price and one deductible.

Get a price — 90 seconds See what's covered

No address, no email, no phone call. Just tap what you own.

From $9/month
Unlimited devices, one premium
New machines covered automatically
Humanoid endorsement 2027
The product

It's one bundle. Not a policy per robot.

Buying separate cover for each machine is how you end up with four deductibles, four renewal dates, and an argument about which policy answers when the vacuum knocks something onto the dog. Roboline Home is a single household bundle. Everything embodied in the house sits on it.

Roboline Home · Household Bundle

Everything in your home with a body and a brain.

1premium · 1 deductible · unlimited devices
Liability
What your machines do to other people and their property
The machines
Damage to the devices themselves, at agreed value
Data & privacy
Leaks from any camera, microphone, or sensor in the house
Obsolescence
Total loss when the maker sunsets or bricks the device
Buy a new robot → covered the day it arrives Sell one → nothing to cancel One claim, one deductible, however many machines were involved
What's included

If it senses, decides, and acts — it's on the policy.

We don't insure a list of approved products, because the list would be out of date by the time you read it. The bundle is written around a definition: physical embodied intelligence. Three things have to be true.

Senses

It perceives the physical world — cameras, lidar, microphones, weight, temperature, moisture.

+
Decides

It chooses what to do next without a person approving that specific action.

+
Acts

It changes something physical — it moves, lifts, cuts, heats, sprays, locks, or unlocks.

=
Covered

Automatically, whether we've heard of it or not.

On the bundle

  • A robot vacuum that maps your floor and drives itself
  • An oven that recognizes the dish and starts its own cycle
  • A mower that decides its route around the garden
  • A smart lock that opens on face recognition
  • A humanoid that carries laundry down the stairs
  • Whatever you buy in 2028 that does all three

Not on the bundle

  • A dishwasher with a timer — no perception, no decision
  • A thermostat following a schedule you set
  • A doorbell camera that only records and notifies
  • A drone you fly yourself by remote
  • Your car — that belongs on an auto policy
  • Purely digital AI — that's our business division

The practical effect runs both ways: you never have to wonder whether a purchase is covered, and we never get to argue that your new machine wasn't on a schedule. If it passes the test, it's on the bundle.

Inside the bundle

What that looks like in a real house.

One definition catches three very different populations of machine — the ones already humming away in your house, the ones about to walk into it, and the ones that have been quietly autonomous for years without anyone calling them robots.

Robot vacuum working on a living room rug beside a dog
01 — Robots

The ones already here

Robot vacuums and mops, lawn mowers, pool cleaners, indoor camera drones, litter robots, snow bots. Machines that navigate your home and yard while nobody is watching them.

Typical claim A mower crosses a boundary and destroys a neighbor's garden bed; a vacuum spreads a pet accident across the carpet at 2 a.m.
Covered today
Home humanoid robot folding laundry in a sunlit room
02 — Humanoids

The ones arriving next

1X NEO, Tesla Optimus, Figure, Unitree. A machine with arms, weight, and the run of your house — carrying things down stairs, near your kids, near your guests. The largest new risk any home has taken on in a century.

Typical claim A misjudged step while carrying a load: injury to a person, damage to the house, and a five-figure machine on the floor.
Bundle live now · humanoid endorsement 2027
Modern kitchen at dusk with a smart oven glowing
03 — Appliances

The ones you forgot are smart

AI ovens and ranges that preheat on their own schedule, laundry and dishwashers that run unattended, smart locks, AI cameras, fridges that reorder. Quietly autonomous, and quietly excluded everywhere else.

Typical claim An auto-cook cycle starts with a towel on the range; a smart lock lets in someone it shouldn't; camera footage of your family leaks.
Covered today
Why you need it

Your existing policies were written for a house that sits still.

Homeowners may well respond to some resulting damage — that is what it is for. What it was not written to do is affirmatively cover autonomous behavior, failed updates, device obsolescence, household privacy loss, and an accumulating fleet of intelligent machines. That gap is the entire product.

Homeowners & warranty

What they actually do
  • Built around events — fire, theft, storms, burst pipes — not decisions
  • Manufacturing defects, for a fixed warranty term
  • Autonomous device behavior is rarely addressed affirmatively either way
  • Nothing when the maker sunsets the servers
  • Nothing for footage of your family getting out
  • A separate deductible, per policy, per claim

Roboline Home

What we add
  • Damage your machine causes to other people and their property
  • Injury to guests, contractors, neighbors, and your household
  • The machine itself: falls, crashes, water, failed updates, bricking
  • Total loss when the company behind it disappears
  • Privacy response when cameras or microphones leak
  • One deductible, one premium, every robot in the house

This isn't a criticism of your home insurer — it's a category problem. Their forms were drafted before a machine in your kitchen could form an intention. Ours were drafted after.

Loss scenarios

How robot losses actually happen.

These are the ordinary, boring, expensive ways domestic machines go wrong. We show them because they are the situations the bundle is designed to respond to — not because every one of them ends in a paid claim.

Robot vacuum · pet household

The 2 a.m. incident

The vacuum runs its scheduled cycle, finds what the dog left in the hallway, and distributes it across eight hundred square feet of carpet before anyone wakes up. It is well documented enough that owners have a name for it — and it is a flooring problem, not a cleaning one.

Warranty: not a defectRoboline: designed to respond
Robot mower · suburban yard

It crossed the property line

A boundary wire shifts after heavy rain and your mower spends forty minutes in the neighbor's garden bed. They send a landscaper's invoice for $2,400 — and they're entirely within their rights to.

Homeowners: may not respondRoboline: designed to respond
Home humanoid · stairs

It misjudged the top step

Carrying a laundry basket down from the second floor, the humanoid misreads the landing edge. Twenty thousand dollars of machine hits the banister, the banister loses, and you are suddenly very interested in what your policy says about robots.

Warranty: user environmentRoboline: unit + property
Smart oven · unattended cycle

Auto-cook started without you

The oven recognizes the dish and begins preheating on its own schedule. It cannot see the dish towel someone left across the burner. Smart appliances start fires the same way ordinary ones do — just with nobody in the room.

Depends on the causeRoboline: designed to respond
The policy

In plain language.

No schedule of forms, no defined-terms appendix. Six things, stated the way you'd say them.

✓If it damages someone else's property

Your neighbor's garden, a guest's laptop, the wall in your rental. We pay them, so you never have to negotiate with them.

✓If it hurts someone

A visitor, a contractor, a child, a member of your household. Medical costs, liability, and the legal defense if it escalates.

✓If it breaks itself doing its job

Falls down the stairs, drives into the pool, bricks itself on a bad update. Replacement at agreed value, not depreciated resale.

✓If it makes a mess worth more than the mess

The 2 a.m. pet incident and its many cousins. We cover the flooring, not just a professional clean.

✓If its cameras or microphones leak

Recordings of your family getting out is a real harm. Notification, monitoring, and help handling the fallout.

✓If the company behind it disappears

Servers shut down, subscription discontinued, device bricked by a sunset announcement. Covered as a total loss.

Pricing

One bundle. One price. Rated on capability, not headcount.

An arm that lifts things is a bigger risk than a disc that bumps into walls, so capability is what we rate — not how many boxes you own. Each additional machine costs less than the one before it, and the bundle never splits into separate policies.

Starter home
$12
per month · typical
  • A robot vacuum and a smart appliance or two
  • $300,000 liability
  • $250 deductible, once per household
  • Add devices any time at the same rate
Most common
Full house
$34
per month · typical
  • Vacuum, mower, pool robot, AI kitchen, cameras
  • $300,000 liability
  • Pets and kids factored in
  • Yard and outdoor machines included
Best value per device
Humanoid household
$140
per month · typical
  • Everything above, plus a home humanoid
  • $1,000,000 liability
  • Agreed-value cover on the humanoid itself
  • Pilot markets — added by endorsement
Available 2027

Typical figures for illustration; the $9 floor is a single low-capability device in a household with no aggravating factors. Your actual price depends on which machines you own and who lives with them. On mechanics: the deductible is $250 per occurrence, applied once however many machines were involved in that one event; capability rating means the premium follows what your machines can do, and each additional machine adds less than the one before it. Devices bought mid-term are covered on arrival, with your replacement-value limit trued up at renewal.

Questions

Asked, answered.

Doesn't my homeowners policy already cover my robot vacuum? +
Ask your insurer to put it in writing — it genuinely varies by carrier and by policy. Most policies cover the device as property against perils like fire or theft, and personal liability may respond to some damage it causes. What is rarely addressed affirmatively is the machine's own behavior: a privacy breach from its camera, a failed update that bricks it, or the maker shutting down its servers. Roboline is written to name those explicitly and to sit alongside the policy you already have.
Is this a warranty? +
No, and the difference matters. A warranty covers the manufacturer's mistake — a part that fails when it shouldn't. Roboline covers the machine's behavior: what it decides to do, what it runs into, what it ruins, and who it hurts. We also keep covering it after the warranty expires, and we cover it when the manufacturer no longer exists.
Do I have to list every device? +
No. You tap what you own so we can price the bundle, which takes about a minute — no model numbers, no receipts. After that the coverage follows the definition, not the list: anything in the house that senses, decides, and acts is on the bundle, including machines you buy mid-term. You only update us at renewal so your replacement limit keeps pace with what's actually in the house.
What if I buy something you've never heard of? +
That's exactly why the bundle is written around a definition instead of a product schedule. A category that doesn't exist yet still passes the test the moment it senses, decides, and acts in your home — so it's covered on arrival. The alternative, which most device warranties use, is an approved-model list that quietly stops protecting you the year after you buy it.
Can I insure just the humanoid, or just the vacuum? +
We don't sell it that way, and that's deliberate. Single-device policies are how households end up with four deductibles and a coverage argument every time an incident involves two machines. One bundle means one deductible per claim no matter how many machines were involved — and it costs less than covering two devices separately would.
What about the humanoid I've pre-ordered? +
Home humanoid coverage is live in pilot markets and added by endorsement, with general availability targeted for 2027 — timed to when meaningful numbers actually reach homes. Add it to your quote now and we'll hold your pilot pricing through launch. If you already have one in the house, we want to hear from you: early households shape the rate table.
Does the policy watch my devices? +
No. Business fleets connect telemetry because it lowers their premium meaningfully; households don't, and we don't ask. Nothing is installed, nothing is monitored, and we never see your camera footage. You tell us what you own and we price it. If you file a claim, you choose what to share with us.
How do claims work? +
Photos and a short description, from your phone. Most household claims are small, obvious, and boring — a ruined rug, a broken window, a dead robot at the bottom of the stairs — so we pay them fast rather than investigating them slowly. One deductible applies per claim, regardless of how many devices were involved.
Six robots. One deductible.
The campaign

Six robots. One deductible.

Most homes did not decide to acquire a staff of machines — it happened one purchase at a time. The bundle exists because the sixth robot should not mean the sixth policy, the sixth renewal date, and an argument about which one pays.

Find out what your house
is actually carrying.

Ninety seconds, no email required. Tap the machines you own and we'll show you the claims your current policies exclude.

Get a price    I'm insuring a business