Most homeowners leave deductible cash idle. Avow puts it to work and gives you adjuster review before you file.
Earn while you prepare. Withdraw anytime.
Limited access
90 days of full member benefits. Document your property, access adjuster review, and see how the vault works — all before you commit a dollar. Requires a homeowners policy.
Claim your spotProtocol telemetry
Block
-
Vault APY
0%
Total Deposits
$0.00
Accrued Rewards
$0.00
Member economics
Each tier earns from the same vault. Higher tiers get a larger share of every distribution. The sponsor bonus is fixed, so your APY percentage shifts, but your dollar earnings grow.
If you join today
Bronze
$100 min · auto/renters/home
Adjuster access at 90% preparation. Entry-level share.
5.00%
~$5/yr on $100.00
Silver
$500 min · renters/home
Adjuster access at 80% preparation. 5.1× distribution weight.
5.00%
~$25/yr on $500.00
Gold
$1,000 min · home only
Adjuster access anytime. 10.2× distribution weight.
5.00%
~$50/yr on $1,000.00
The percentage looks lower at higher tiers because the same bonus spreads across a bigger deposit, but you still earn more dollars overall.
Vault breakdown
Member Deposits
$0.00
Sponsor Deposits
$0.00
Claims flow
01
Day one
Follow a guided checklist. Snap targeted photos — exteriors, systems, serial numbers — based on your policy type. AI confirms each one. That's your pre-loss baseline, built before you ever need it.
02
When it counts
Your adjuster reviews the cause of loss and your documentation to see if the claim holds. You file with confidence or walk away knowing where you stand.
03
After a loss
Need to withdraw? You have three months after a reported loss. Distributions keep coming on the same tier and schedule. Nothing changes.