Understand your policy

Your carrier reads one policy. We read all of them.

Most homes are covered by more than one policy, and the gaps live between them — the flood limit that covers a fraction of the rebuild cost, the loss-of-use that will not pay for a flood. Each document is correct on its own. Nobody reads them together.

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The problem with one at a time

A declarations page is written to be filed, not read. Even once you have decoded one, it only describes itself — it has nothing to say about the policy sitting next to it.

So the questions that matter most go unanswered. If flood is excluded from your homeowners policy and your flood policy covers 17% of what the house would cost to rebuild, both documents are accurate and you are still badly exposed. No carrier is going to tell you that, because no carrier is looking at both.

Start with one

A declarations page, in plain English

Upload it and get the limits, deductibles, endorsements and exclusions laid out — plus what a professional would flag. No account needed to run the first one.

Limits and deductibles pulled off the page, not retyped by you
Endorsements and exclusions called out in words you can act on
Flagged findings separated from the parts that are simply fine

Policy read

my-policy-declarations.pdf

No account needed to run this

Limits

Dwelling (Cov A): $540,000
Other structures (Cov B): $54,000
Personal property (Cov C): $270,000
Loss of use (Cov D): $108,000

Deductibles

All-peril: $1,000
Wind / hail: 2% ($10,800)

What stands out

No water backup coverage
A sump-pump or sewer backup would not be covered at all.
Wind/hail deductible is a percentage
You would pay $10,800 out of pocket before this policy pays anything on a storm claim.
Replacement cost on contents
Your belongings are settled at replacement cost, not depreciated value.

Example screen. Figures are illustrative. Findings describe the document, never a coverage decision.

Then all of them

One home, several policies

Homeowners, flood, earthquake, a FAIR Plan and its wrap — each with its own carrier, deductible and renewal date. They are kept as what they are rather than flattened into one.

One current policy per line of business, not one per home
Each renewal tracked on its own date
The annual total across everything in force

Policies

Policies on this home

Total $20,323 / yr

Homeowners

Rock Ridge Mutual

$2,053,978

renews Feb 15

Flood

Harborlight Flood

$250,000

renews Oct 14

Earthquake

Palmetto Seismic

$1,500,000

renews Oct 14

A home is rarely one policy. Each line renews on its own date, with its own carrier and its own deductible.

Example screen. Illustrative carriers and limits.

The part nobody does

Read together, not one at a time

We read every policy on the home against the others and surface what only shows up in the comparison — mismatched limits, a peril one policy excludes and another covers, deductibles that stack on a single storm.

Findings that cite the policies they span
An exclusion answered by another policy is said to be answered, not raised as a gap
Regenerate it whenever your policies change

Whole-home review

Your protection as a whole

Three policies in force. The arrangement works — flood is excluded from the home policy because a flood policy covers it — but the limits do not line up.

Criticalacross 2 policies
Flood limit covers 17% of the rebuild cost
$250,000 against a $1,445,000 estimate — the gap is not covered by the home policy.
Worth a lookacross 2 policies
Loss of use would not apply to a flood
The home policy pays for temporary housing; flood is excluded from it.
Worth a lookacross 2 policies
Deductibles stack in a storm with wind and flood damage
Two separate deductibles apply when one event damages the home two ways.

Each policy is read on its own by its carrier. Nobody reads them together — which is where these live.

Example screen. Illustrative. Whether a loss is covered is always your carrier’s decision.

Ask it anything about your cover

“Ordinance or law is embedded via OPP-032 SC” is not English. Ask what a finding means and the answer comes from your own documents — all of them, so a question about flood knows you hold a flood policy and what its limit is.

It explains your cover. It does not decide it, price it, or tell you what to buy — anything that needs a decision goes to your broker, who can quote it.

Start with the policy you have

One declarations page is enough to begin. Add the others when you are ready and the comparison comes with them.

Read my policy If you need to file a claim