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Every policy you own, finally understood.

Upload any insurance policy and ask it anything: what is covered, what is not, and exactly what you would pay. Every answer cites the page and clause of your own document. Then we watch the whole household’s policies year-round: what changed at renewal, where they overlap, where they leave you exposed.

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understandmypolicy.com · your report
→A tree hit my roof.Your HO-3

Falling objects are a covered perilp.8, but if it is a named storm, your $8,600 hurricane deductiblep.3 ▸ applies instead of the $2,500 you remember. And your 17-year roof settles at 40% of replacement costp.12.

Does loss of use apply?What are my policy’s deadlines?
YOUR-POLICY.PDFPAGE 3 / 38
…Section I. Deductibles. All other perils: $2,500. Hurricane deductible: 2% of the Coverage A limit of liability ($430,000), being $8,600, applies once per calendar year to loss caused by a hurricane as defined…
The signature move: click any claim, see the exact clause in your actual document.
WHY THIS EXISTS

Three things happened to people we love. Maybe they have happened to you.

"My friend’s home burned in the Palisades fire. For years afterward he had a million questions, and a policy nobody would sit down and read with him."
When the worst happens, the answers are in a document you’ve never read. We read it with you: coverage, limits, deadlines, all cited. So you walk into every conversation already knowing your numbers.
"I hit a curb. $10,000 in damage. Should I even go through insurance? What happens to my rates? Nobody could tell me straight."
Your policy already answers this: your deductible, its own surcharge and claims-free-discount language, laid out side by side with your repair estimate. You see your contract’s math and draw your own conclusion.
"My wife was third car in a chain-reaction accident, and the driver who caused it filed a claim against us. Confusing doesn’t begin to cover it."
Stressful moments come with questions your policy actually addresses: liability limits, duties, how your coverage responds. Ask in plain English; get answers only from your own documents, with the clause shown.
THE NUMBERS YOU DON’T KNOW YET

Did you know you pay $21,500 before insurance pays anything for a hurricane?

If your Florida policy carries a 5% hurricane deductible on a $430,000 home, that is your number, and most people learn it after the storm. Two figures from your dec page reveal it in ten seconds.

Try the free hurricane calculator →
ACV @ 15yrA roof payment schedule quietly added at renewal: older roofs paid at depreciated value, not replacement cost. Caught by a Renewal Diff.
$5,000A water-backup sub-limit found in a policy whose owner assumed their full $215,000 contents coverage applied.
$1,500A per-item jewelry cap found by the photo home inventory, worth a question to the agent about a rider, before a loss.
REAL FINDINGS FROM ANALYZED POLICIES · SHARED WITH PERMISSION · YOURS WILL DIFFER · THAT’S THE POINT
EVERY RENEWAL, EVERY POLICY

Your carrier changed things this year. We show you exactly what.

Renewal packets arrive with quiet edits: a bigger deductible, a dropped endorsement, a new payment schedule. Upload the new packet and get a plain-English changelog, each change shown side by side with the exact clauses from both years.

This is why Household is a subscription, not a one-time report: we watch every policy in the house and run the diff at each renewal, year after year.

Start Household, $99/yr →Renewal reminders included free
DEDUCTIBLE INCREASEDHurricane deductible$8,600 → $21,500
The hurricane deductible moved from 2% to 5% of Coverage A, raising your per-season out of pocket by $12,900.
2025 POLICY · P.3
…Hurricane deductible: 2% of the Coverage A limit of liability…
2026 POLICY · P.3
…Hurricane deductible: 5% of the Coverage A limit of liability…
1 of 6 changes found this renewalSee all 6 →
HOW IT WORKS

Ten minutes now. Answers for the year.

STEP 1
Upload any policy
The dec page you already have, any of the types we read. We detect what it is; you confirm in one tap.
STEP 2
Ask it anything
Scenario cards for real moments, or your own words. Every answer cites the page. No guessing, ever.
STEP 3
We keep watch, year-round
Renewal diffs on every policy, cross-policy gap flags, and your home inventory checked against your real limits.
ONE READER, EVERY MAJOR TYPE
HomeAutoUmbrellaPetLifeSOONDisabilitySOONHealthSOONBusinessSOON
PRICING

Cheaper than finding out the hard way.

One overlooked deductible, sub-limit, or quiet renewal change costs more than any plan below.

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Full plain-English report, every claim cited · 10 questions on that policy · Credits toward Household within 30 days
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72 hours of unlimited questions on one incident · Your policy-stated duties and deadlines, cited · Optional deadline reminder emails
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BEST VALUE
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Unlimited policies, all supported types · Unlimited questions and reports · Renewal diffs on every policy · Coverage stack and portfolio monitoring · Up to 5 household members · about $8/mo · or $14/mo month to month
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Free calculators run on numbers you enter yourself and give full answers. Anything read from an uploaded document stays preview-only until you unlock it. Free tools are on the way.