Hedges for life's risks, curated.
Yes, no, maybe.
Meet uncertainty's
antidote.
Take control of
what if.
Uncertainty,
on your terms.
Crowd wisdom.
Personal ease.
antidote.
what if.
on your terms.
Personal ease.
Curating prediction markets to hedge life's uncertainties. The Anti-Gamble™.
A layoff. A recession. 401K halved. A natural disaster — what if the thing happens?
Two truths most people miss.
You already have skin in the game.
A house in California. A 401K. A job at a tech company. A small business.
These aren't gambles you chose — they're the things you've built. And every one of them carries risk you didn't ask for.
The question is: When "the thing" happens, is your value protected?
Prediction markets get accused of being "just sportsbooks."
They're not. They're the most honest pricing engine for real-world risk we've ever had.
But here's the thing: the same mechanism that lets someone bet on The Big Game also lets you protect your retirement.
We're not betting the house on BLACK in Vegas.
We're protecting the house against RED — for when the bad thing actually happens.
Here's how it works.
Four steps. The whole pitch in 30 seconds.
Three real risks. Three real coverage choices.
Coverage scales to any amount. Some use CrowdCover alongside traditional insurance to bridge the gap. Others find it's all the coverage they need.
Earthquake Bridge Coverage
$1.4M home, two kids
She has earthquake insurance with a 15% deductible. Even with insurance, an M7.0+ means immediate displacement — but the settlement check takes 12-18 months. CrowdCover pays $15K within a week of USGS reporting M7.0+: hotel, food, school transitions while insurance settles.
S&P Crash Bridge Coverage
$820K in 401(k), retiring 2028
His retirement is two years out, tied to the S&P 500. A 14% drawdown erases $115K at the worst possible moment — sequence-of-returns risk where timing kills. CrowdCover pays $10K within a week if S&P touches $5,900 or lower: enough to ride out the dip instead of panic-selling.
Recession Bridge Coverage
$95K salary, two kids, mortgage
She's employed and stable, with savings and household obligations. Even keeping her job, a confirmed recession means hiring freezes, bonus cuts, and a tighter budget for 6-18 months. CrowdCover pays $5K within a week of NBER calling it: one month of mortgage, groceries, and childcare to breathe through the squeeze.
Pricing reflects illustrative live market data. Actual quotes refresh at purchase based on current Kalshi & Polymarket prices.
Insurance vs CrowdCover
The financial mechanics look similar. The customer experience is opposite.
Discretionary settlement
- Opaque pricing based on internal actuarial models
- High overhead costs baked into premiums
- Limited to "insurable" events
- Complex claims process with adjusters
- Months or years to receive payout
- Deductibles that can exceed your savings
- Premiums increase after claims
Mechanical settlement
- Transparent market-based pricing
- Minimal overhead — premium reflects actual odds
- Cover previously uninsurable risks (job loss, gas spikes, etc.)
- No claims process — automatic payout when the trigger fires, even if your home takes no damage at all
- Most payouts within a week
- No deductibles — full payout when the bad thing happens
- No penalty for claiming
The week after a M7.0+ Bay Area quake — what $15K actually covers.
$15K covers the first 4–8 weeks of cash you actually need before the settlement closes — different product, different timing.
"Can't I just hedge myself?"
Yes. Same way you could file your own taxes or represent yourself in court. Most people don't, and for the same reasons.
More coverage
Beyond the three above, here's the rest of the catalog. Pick by what you have at stake.
One account. Every hedge.
Each policy is priced individually based on the live prediction market backing it. Customers who hold multiple coverages get our most competitive pricing across all products — because we want you covered everywhere, not just one place.
Most CrowdCover users hold 2-4 coverages tailored to their specific risks: their job, their home, their retirement, their region.
Don't know where to start?
Take ValueScan. Answer 17 questions about your work, home, finances, and lifestyle. Get a personalized risk profile with your top exposures and what coverage costs.