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Home policy analyzer

Analyze your home insurance policy

Upload your homeowners, condo or renters policy and see what it covers, what you’d pay out of pocket, and where you might be underinsured.

  • Free, no account needed
  • Limits, deductibles and gaps in plain English
  • Questions to ask your broker about each finding

What kind of policy is it?

Best results: your declarations page, usually the first 1–3 pages of the policy. The full policy gives a more complete picture.

This is an automated, educational tool

This educational tool uses automated analysis, including AI, to help explain the documents you upload. It may make mistakes or miss important provisions. A declarations page alone generally does not include all policy terms, exclusions, or endorsements. Information not shown should not be assumed to be covered or excluded. Review the complete policy with a licensed insurance professional before making coverage decisions.

Protected by a quick security check. By continuing you agree to the Terms and Privacy Policy.

Example report

What your breakdown looks like

An example of the plain-English report you’ll get. Upload your own policy above to see yours.

Carrier

Harborview Mutual

Policy form

HO-3

Premium

$2,860/yr

Renews

Feb 15

What we found

  • Dwelling limit may be below rebuild costCheck

    $540,000 dwelling limit. Our estimate to rebuild is about $712,000.

    Ask your broker: Can I add extended replacement cost or raise Coverage A?

  • Wind and hail deductible is a percentageCheck

    2% of the dwelling limit means you’d pay about $10,800 before wind or hail coverage starts.

    Ask your broker: What would a flat-dollar wind deductible cost?

  • No water backup coverage foundCheck

    Sewer and drain backup is usually excluded unless you add it.

    Ask your broker: Can I add water backup coverage, and for how much?

  • Belongings are covered at replacement costLooks good

    You’d be paid to buy new items, without depreciation.

    Ask your broker: Are there sub-limits for jewelry or electronics I should schedule?

Limits and deductibles

A · Dwelling
The house
$540,000
B · Other structures
Fences, sheds
$54,000
C · Personal property
Belongings
$270,000
D · Loss of use
Living costs
$108,000
E · Liability
Injuries and damage
$300,000
All-peril deductible
Most claims
$2,500
Wind and hail deductible
2% of dwelling
$10,800

Read from your document. Check anything that looks wrong against the original.

Want someone to look at this with you?

A licensed broker can confirm what we found and quote changes.

Find a broker

How it works

  1. 1

    Upload your document

    Your declarations page, usually the first 1–3 pages of the policy. The full policy gives a more complete picture.

  2. 2

    We read every limit and deductible

    Coverages, liability and every deductible, along with the endorsements the page lists.

  3. 3

    Get a plain-English breakdown

    What’s covered, possible gaps, and questions to ask your broker.

What we check on home policies

  • Dwelling vs. rebuild cost
  • Replacement cost or ACV
  • Wind, hail and hurricane deductibles
  • Water backup coverage
  • Ordinance or law coverage
  • Liability limit
  • Flood and earthquake gaps
  • Jewelry and valuables sub-limits

Your documents stay yours

  • We use your upload to create your breakdown.
  • We don’t send your policy to carriers or brokers.
  • It’s only added to an account if you create one.
Read our privacy policy

Questions

Will it tell me if my dwelling limit is too low?

It reads your dwelling limit and flags it when it looks low for the home. Rebuilding costs depend on the home and local prices, so a broker can confirm the right figure.

Does it work for condo and renters policies?

Yes. Upload an HO-6 condo or HO-4 renters declarations page and it reads the coverages that policy has.

What should I upload?

The declarations page is the most useful: it lists your limits, deductibles and endorsements. The full policy adds exclusions and definitions.

Is it really free?

Yes. There’s no charge and no account needed to see your breakdown.

How accurate is it?

It’s an automated reading, including AI, and it can make mistakes or miss provisions. Check anything that looks wrong against your document, and review the complete policy with a licensed insurance professional before making coverage decisions.

Will a broker or carrier contact me?

No. We don’t send your policy to carriers or brokers. We only email you if you give us your address to receive your report.

Can I analyze more than one policy?

Yes. Upload each one separately. With a free account you can keep them together and see how the limits line up.