For homeowners
Know what your policy actually covers.
Premiums keep climbing and carriers keep leaving whole regions. Most people find out their coverage had a gap the day they file a claim. Underwrite reads your policy in plain English and shows the real risk on your address — free.
Why bother
Home insurance is one of the biggest checks you write every year, and it is written in a language designed to be skimmed. When a carrier drops you or your renewal jumps, you are usually on your own to figure out what you had, what you need, and who will cover you next.
You should be able to understand your own policy and your own risk without spending a week on the phone. That is the whole idea here.
Your policy, in plain English
Upload the declarations page. Skip the decoder ring.
Drop the PDF your carrier sends every year and get your limits, your deductibles, and — the part nobody reads — the specific gaps that would cost you money at claim time. No account required to run it.
- Every coverage line laid out: dwelling, contents, loss of use, liability
- Percentage deductibles converted into the dollars you would actually pay
- Gaps ranked by how much they matter, not by page number
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.
Are you actually covered?
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.
- An honest 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 would not cover the cost to rebuild it. This is the single most common gap we see.
The real risk on your address
The same picture a carrier looks at.
Wildfire, flood, wind, hail, and earthquake exposure for your specific 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 instead of guessing
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 carriers will write this home, but the flood zone will drive the price and some 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
Lower your risk
Concrete steps for your home, not generic advice.
Recommendations generated 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 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
When something happens
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
Stay ahead of it
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.
How it works
Analyze your policy
Upload a declarations page and get the breakdown in a few minutes. No account required to start.
See your address
Risk scores, flood zone, insurability, and rebuild cost for your property, gathered in one place.
Create your free account
Save your home and your policy so you can pick up where you left off and keep everything together.
What this is — and what it costs
All of the above is free, and Underwrite is not an insurer. A policy read is a summary of the document you uploaded, not legal or coverage advice; an insurability read is an estimate of insurance availability from property and regional data, not a quote or a guarantee of coverage, pricing, or eligibility. Your policy document is always the final word.
Start with your policy
Upload your declarations page and see where you stand. It takes a few minutes, and you can create a free account to keep your report.