Understand exactly what your policy covers
Upload any insurance policy to see coverage limits, exclusions, deductibles, claims procedures, and whether you have gaps in protection — before you need to file a claim and discover what's not covered.
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What It Analyzes
Every key area reviewed, flagged, and explained in plain English.
Coverage Limits
Shows per-occurrence and aggregate coverage limits clearly so you know the maximum you can actually receive in a claim.
Exclusion Mapping
Lists every exclusion that could prevent a valid claim from being paid — flood, earthquake, mold, home office, and policy-specific carve-outs.
Claims Deadlines
Some policies require notice within days or hours of a loss. Missing these deadlines can void your coverage — our analyzer surfaces them prominently.
Deductible Structure
Explains how deductibles apply (per-occurrence vs. aggregate), what you pay out-of-pocket first, and any special deductibles for specific perils.
Replacement Cost vs. ACV
Identifies whether damaged property is replaced at current replacement cost or depreciated actual cash value — a significant difference in a real claim.
Cancellation & Non-Renewal
Reviews how easily the insurer can cancel or non-renew your policy, how much notice they must give, and your rights in each scenario.
How It Works
Three steps to instant insights
Upload or Paste
Drop a PDF or paste your document text directly into the tool.
AI Analysis
Our AI processes your document and extracts key information, risks, and recommendations.
Get Your Report
Receive a structured report with plain-English explanations and actionable next steps.
What You Get
Every analysis includes a comprehensive, structured report.
Frequently Asked Questions
What types of insurance policies can I analyze?
Homeowners, renters, auto, health, umbrella, life, business owners (BOP), commercial general liability, professional liability (E&O), and more. If it's an insurance policy document, our AI can review it.
Why do I need to review my policy now — before I file a claim?
Most people only read their policy when they need to file a claim — by which point it's too late to change coverage or understand gaps. Reviewing now lets you add riders, adjust limits, or switch policies before you have a loss that exposes an uninsured gap.
What's the difference between replacement cost and actual cash value?
Replacement cost covers the cost to replace damaged property at today's prices. Actual cash value (ACV) is depreciated — older belongings get paid out at their used market value, which may be far less. A 5-year-old laptop replacement cost might be $1,200; ACV might be $200.
Can I use this to compare multiple policies?
Yes. You can run each policy through the analyzer separately and compare the outputs to evaluate which provides better coverage for your specific situation.