EVERY POLICY · ONE HOUSEHOLD

The home for your household's insurance.

Every policy your family carries, in one place: limits side by side, gaps between policies visible, every renewal watched. Reading one document is easy. Holding the whole picture, year after year, is the hard part. That's what we do.

Start your household stack →See a sample household
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
THE ALVAREZ HOUSEHOLD · 4 POLICIES · $11,840/YR WATCHED · SAMPLE DATA
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 language; 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 →
Older roofA roof payment schedule quietly added at renewal: after about 15 years, older roofs pay at actual cash value (the depreciated amount, ACV), not full 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-language 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, $49/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 →
THE HOUSEHOLD PORTFOLIO

Every policy in the house, watched in one place.

Home, auto, umbrella, pet, your parents' policies too. One dashboard with what needs your attention, the year of renewals ahead, and the key number from every policy.

understandmypolicy.com · Alvarez household
Alvarez household6 policies · $11,840/yr in premiums watched
↻
Your home renewal packet arrived. Citizens changed 6 things this term.
See what changed →
⚑
Your umbrella may not connect to your auto policy. A question worth asking your agent.
See the stack →
HomeDIFF READY
$21,500
hurricane deductible · renews Sep 12
Auto
$100k/$300k
bodily injury · renews Nov 3
Umbrella
$1,000,000
liability limit · renews Jan 20
Mom's condo
$2,000
loss assessment · renews Jul 30
Included with Household: unlimited policies, up to 5 family members, cross-policy gap flags, and the home inventory.
HOW IT WORKS

Ten minutes now. Answers for the year.

⌕
Drop your dec page here
Looks like a life policy, correct?✓
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.
Drain backup is capped at $5,000p.7, far below your $215,000 contents limit.
…Water Backup and Sump Discharge or Overflow: $5,000 each loss…
IS MOLD COVERED?MY DOG BIT SOMEONE
STEP 2
Ask it anything
Scenario cards for real moments, or your own words. Every answer cites the page. No guessing, ever.
DEDUCTIBLE INCREASED
Hurricane deductible$8,600 → $21,500
Water backup cap$10,000 → $5,000
Your carrier changed 6 things this year. Here they are.
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
AutoHomeRentersSOONFloodUmbrellaPetLifeDisabilitySOONHealthSOONBusinessSOON
PRICING

Cheaper than finding out the hard way.

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

Free
$0
Self-entered calculators, full answers · Upload + Scorecard preview · Renewal reminders
Check your numbers
Policy report
$39$49
Full plain-language report, every claim cited · Unlimited questions on that policy · Credits toward Household within 30 days
Unlock your report
BEST VALUE
Household
$99/yr
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
Cover the household
Incident reader
$49$59
72 hours of unlimited questions on one incident · Your policy-stated duties and deadlines, cited · Optional deadline reminder emails
Read your policy now
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. Hurricane deductible, claim vs. out-of-pocket, and the dec page decoder are live now.
For agents & brokers
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UnderstandMyPolicy · Know your numbers before you need them