EVERY POLICY · ONE HOUSEHOLD · WATCHED YEAR-ROUND

When an insurance moment hits, the answer already knows your coverage.

Bring your policies into one place. Then a confusing letter, a renewal, or a “wait, am I covered?” moment has an answer that reads your actual documents and cites the exact page. Not a general chatbot that forgets you when the tab closes.

EVERY ANSWER CITED TO YOUR OWN PAGES · PRIVATE · NEVER TRAINS AI
Home · Citizens HO-3
DWELLING $430K · LIABILITY $300K
RENEWS SEP 12✓ READ
Auto · Geico, 2 cars
LIABILITY 100/300 · UM 100/300
RENEWS JAN 14✓ READ
BETWEEN POLICIESYour umbrella starts at $500K. Your auto liability stops at $300K. The policies themselves say so, side by side.both cited
Umbrella · Chubb $1M
ATTACHES AT $500K UNDERLYING
RENEWS MAY 2✓ READ
Life · not added yet+ Add
SAMPLE · THE ALVAREZ HOUSEHOLD · 4 POLICIES WATCHED
START WHERE YOU ARE

What brings you here?

Pick the moment you’re in. Each one is free to try, no account needed. Whichever door you take, adding your policies is what makes the next answer know your actual coverage.

I got a letter I don’t understand

Snap a photo. We tell you what it is, who sent it, and what it’s asking, cited. Free.

FREE TO TRYDecode a letter →
Something happened, am I covered?

Describe what happened. We show what each of your policies says about it, cited to the page.

FREE TO TRYAsk about a situation →
My renewal changed

Bring this year’s packet and last year’s. We show every moved number and dropped endorsement, both years cited.

FREE TO TRYCompare my renewal →
THE DESTINATION
I want all my policies in one place

Add your policies once. Every answer after that reads your whole stack together and stays watched: renewals compared, letters decoded against your real coverage, an archive that remembers. This is the hub the other doors quietly build toward.

START FREE · ADD ONE TO BEGINStart your household →
Just exploring

Try a sample household and free calculators. See how a cited answer reads before you add anything.

FREESee a sample →
THE HONEST DIFFERENCE

Why here, and not a general chatbot?

We are not a smarter model. On one document, a frontier chatbot reads about as well as we do. The difference is that we hold your actual policies, watch them over time, and cite every answer to your page.

Is water backup covered on my house?READ FROM YOUR HO-3
WHAT THE DOCUMENT SAYS
Your policy lists a water backup endorsement with a $5,000 sublimit.p.7
WHAT APPEARS TO APPLY
The endorsement covers backup through sewers or drains. Flood from outside water is addressed in a separate policy.p.8
WHAT CAN’T BE DETERMINED FROM THE DOCUMENTS
Whether a specific claim would be paid. That depends on the event and the insurer’s review, which the policy text can’t tell us.
EVERY LINE CLICKS THROUGH TO YOUR PAGE · EDUCATIONAL ONLY · NOT ADVICE
A GENERAL CHATBOT
Doesn’t hold your policies. You paste, it reads, it forgets when the tab closes.
Can’t watch your renewals or compare this year to last.
Can’t decode a letter against your real coverage, only in the abstract.
Cites nothing you can click back to.
SAME READING. DIFFERENT MEMORY. THE STACK IS THE DIFFERENCE.
THE CONTEXT FLYWHEEL

Every policy you add makes the next answer better

The second document isn’t an onboarding chore. It’s a free upgrade: cross-document readings only the whole stack can show, and answers that already know the rest of your coverage.

Found in your documents, cited to the page, held for you. Nothing re-uploaded, nothing forgotten.

1 policy in
We read your home policy and hold every figure, cited. Ask anything about it. $ ••,••• found, cited, yours.
Add autoCROSS-DOC UNLOCKED
Now questions can span both. “A tree hit my car” checks home and auto together, each cited.
Add flood + umbrella
The whole stack reads together. Your flood and home policies set different deductibles for the same house, side by side. both cited
WHY IT KEEPS EARNING ITS PLACE

It keeps working after you close the tab

A chatbot session ends when you leave. Your stack stays, and keeps watching.

Renewals compared

When next year’s packet arrives, we read it against this year’s and show what changed, both years cited. Automatically.

Letters decoded in context

A notice arrives, you snap it, and we read it against your actual coverage, not in the abstract. Cited to the page.

An archive that remembers

Every policy, question, and answer kept and searchable. Come back in a year and it still knows your coverage.

PRICING

Start free. Pay when the context is worth it.

We never sell insurance and take no carrier commissions. You pay us, so we answer to you.

FREE
$0
→ Calculators and free tools→ Document and mail decoder→ A narrow but complete first result→ Renewal dates stored
Start free
ONE-TIME · PER POLICY
$39 one-time
→ Full cited report on one policy→ Unlimited questions on that policy, including after a loss→ Kept for you to revisit anytime
Read one policy
HOUSEHOLD · THE HUBBEST VALUE
$99 / year
→ Every policy in one place, read together and cited to your pages→ Every renewal compared with last year automatically→ Coverage read across your whole stack→ Your whole household, not just you: a partner's policies, a parent's, in one place
Start your household
OR $10/MO MONTH TO MONTH · 2 MONTHS FREE YEARLY

We explain what your documents say, cited to the page. We don’t sell insurance, take no carrier commissions, and never tell you what to do or predict what an insurer will pay.

Free calculators run on numbers you enter yourself and give full answers: hurricane deductible, claim vs. out-of-pocket, and the dec page decoder.

WHY WE BUILT THIS

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 language; get answers only from your own documents, with the clause shown.
For agents & brokers
A co-branded policy explainer for your clients.
Claim your page →
UnderstandMyPolicy · Know your numbers before you need them