For homeowners
Know what your policy actually covers.
Most people find the gap in their coverage the day they file a claim. Upload your policy and we'll explain it in plain English, show the real risk on your address, and point you to brokers who'll take your home.
- Free
- No account needed to start
- No policy handy? Check your address instead
- Rebuild cost
- $712,000
- Your limit
- $540,000
You may be underinsured by $172,000
One of the biggest checks you write every year
When a carrier drops you or your renewal jumps, you're usually on your own to figure out what you had, what you need, and who'll cover you next. You should be able to do that without a week on the phone.
- Understand your policyLimits, deductibles and gaps - in plain English.
- Know your real riskWhat a carrier sees about your address.
- Lower it where you canFixes ranked by what moves your premium.
- Find someone who'll insure itLocal brokers who write your area.
Everything in one place, from policy to claim
Follow one home through what Underwrite shows you.
Upload the declarations page. Skip the decoder ring.
Drop the PDF your carrier sends every year and get an educational review of your limits, your deductibles and - the part nobody reads - the gaps that would cost you at claim time.
- Every coverage line laid out
- Percentage deductibles converted into dollars
- Gaps ranked by how much they matter
Example screen from Underwrite. All figures below are illustrative sample data.
- Dwelling (Cov A)
- $540,000
- Other structures (Cov B)
- $54,000
- Personal property (Cov C)
- $270,000
- Loss of use (Cov D)
- $108,000
- All-peril
- $1,000
- Wind / hail
- 2% ($10,800)
- No water backup coverageA sump-pump or sewer backup would not be covered at all.
- Wind/hail deductible is a percentageYou would pay $10,800 out of pocket before this policy pays anything on a storm claim.
- Replacement cost on contentsYour belongings are settled at replacement cost, not depreciated value.
Find out before the fire, not after it.
Your dwelling limit was set at some point in the past. Construction costs were not. We estimate what it would cost to rebuild your home today and put that number next to the limit on your policy.
- A replacement-cost estimate for your specific home
- The gap called out in dollars, not insurance euphemisms
- Recalculated as the property record gets better
Example screen from Underwrite. All figures below are illustrative sample data.
Estimated rebuild cost
$712,000
What it would cost to rebuild
Current coverage
$540,000
Dwelling limit on your policy
You may be underinsured by $172,000
If your home were a total loss, your dwelling limit might not cover the cost to rebuild it. This is the single most common gap we see.
The same picture a carrier looks at.
Wildfire, flood, wind, hail and earthquake exposure for your property - plus an insurability read that says, in plain terms, how hard your home is to insure and why.
- Hazard ratings from the kinds of models carriers price against
- Protection class, flood zone and rebuild cost in one view
- When the record is too thin to be honest, it says so
Example screen from Underwrite. All figures below are illustrative sample data.
- 28FloodZone AE, near a creek
- 44WindRemnant tropical systems
- 71HailBelow regional average
- 66WildfireModerate WUI exposure
- 90EarthquakeLow regional seismicity
Example screen from Underwrite. All figures below are illustrative sample data.
Most insurance carriers will offer a policy on this home, but the flood zone might drive the price up and some insurance companies will require a separate flood policy before they bind.
- Roof replaced in 2021Architectural shingle, class A
- Fire protection class 5Hydrant within 1,000 ft
- FEMA flood zone AEInside the 100-year floodplain
- Finished basementRaises the cost of a water loss
Concrete steps for your home, not generic advice.
Educational recommendations for your actual property and its actual hazards - each with what it costs, how much work it is, and roughly what it could do to your premium.
- Ordered by what would move the pricing needle on your home
- Cost range and effort level on every item
- The ones carriers care about, flagged as such
Example screen from Underwrite. All figures below are illustrative sample data.
- Install a sump pump with battery backupModerate$1,200–$3,000~5–10% premium
- Add roof-to-wall hurricane strapsMajor$1,500–$4,500~10–20% premium
- Add a monitored water-leak sensorEasy$150–$400~2–5% premium
Someone in your corner during a claim.
Log what happened and get a checklist built for that kind of loss - what to photograph, what to keep, what to ask the adjuster, and when. We check in every week so the claim does not quietly stall.
- Guidance specific to your incident type and your policy
- A running timeline you can hand to anyone who asks
- Weekly nudges so a slow adjuster does not become a lost month
Example screen from Underwrite. All figures below are illustrative sample data.
- Reported
- Filed
- Inspection
- With adjuster
- Paid
- Photograph the damage before any cleanup
- Save receipts for emergency repairs and lodging
- Ask the adjuster for their scope of loss in writing
- Compare the estimate against your Coverage A limit
The reminders your carrier will not send you.
Renewals, coverage gaps, open mitigation steps, quotes waiting on you - everything that needs attention, in one list, highest priority first.
- A renewal heads-up while you still have time to shop
- Coverage gaps resurfaced as your rebuild cost changes
- One list across every property you own
Example screen from Underwrite. All figures below are illustrative sample data.
- Your policy renews in 34 daysA good moment to check the dwelling limit against today’s rebuild cost.
- Coverage gap on 84 Willow Bend RoadDwelling limit is $172,000 below the estimated rebuild cost.
- Two mitigation steps still openBoth are rated Easy and could move your premium.
Get to a human who can actually place your home.
When you are ready to shop, get matched with verified local brokers who know which carriers still write your market. You decide what they can see about your home - and you can turn any of it back off.
- Local brokers who work your market, not a national call center
- You choose what to share: claims, policy, documents, property facts
- Revocable at any time, from your own dashboard
Example screen from Underwrite. All figures below are illustrative sample data.
- Claims
- Policy
- Documents
- Property facts
You choose what to share, and you can switch any of it off at any time.
How it works
- 1
Analyze your policy
Upload a declarations page. No account needed to start.
- 2
See your address
Risk ratings, flood zone, insurability and rebuild cost in one place.
- 3
Create a free account
Save your home and policy so everything stays together.
- 4
Get connected
Meet brokers who write your area when you are ready to shop.
Common questions
Is it really free?
Yes. Analyzing your policy, checking your address and keeping a homeowner account are free.
Do I need an account?
Not to start. You can analyze a declarations page or check an address without signing up. A free account saves your home and policy so you can pick up where you left off.
Will this change my insurance?
No. Using Underwrite does not purchase, bind, or change insurance coverage, and checking your policy or address does not contact your insurer.
Who can see my information?
A broker sees only what you choose to share with them - claims, policy, documents or property facts - and you can switch any of it off at any time from your dashboard.
Is this advice?
No. A policy read is educational: it summarizes the document you upload and isn't legal or coverage advice. Your complete policy is the final word, and licensed advice comes from the brokers on the platform.
Start with your policy.
Upload your declarations page and see where you stand. Create a free account to keep your report.