Reviewed the way underwriters review

Know what your policy actually covers — before you need it to.

Upload any homeowners, auto, or small business policy. Get a clause-by-clause breakdown of your coverage, your limits, and the gaps most people find out about too late.

●No account required ●Reviewed in ~90 seconds ●Built by a licensed insurance producer
homeowners_policy_2026.pdf SCAN COMPLETE
DWELLING — COVERED
WATER BACKUP — LOW LIMIT
FLOOD — EXCLUDED
3 items flagged Overall read Fair
⚠ Informational only — not a guarantee of coverage. Reports are generated by AI and may contain errors; always confirm details with your carrier or agent. Your file is sent to a third-party AI service for analysis and is not stored after your report is generated. By uploading, you agree to our Terms of Service and Privacy Policy.
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What we check

The same read an underwriter gives a file

Every policy gets checked against the same categories a carrier would use to price it — so you see it the way they do.

◆Coverage limits
Are your dwelling, liability, and personal property limits enough to actually rebuild or replace — not just meet the minimum?
DWELLING / LIABILITY / CONTENTS
◆Exclusions
The clauses buried in the back that quietly remove coverage for flood, mold, sewer backup, or business use.
FINE PRINT
◆Deductible structure
Flat deductible vs. percentage deductible, and what that means in dollars during an actual claim.
CLAIM MATH
◆Endorsements & riders
What's been added on — and what common riders (scheduled jewelry, home business, water backup) are missing.
ADD-ONS
◆Underinsurance risk
A plain-language flag when your limits look low relative to typical rebuild or liability exposure for your situation.
WORTH ASKING ABOUT
Sample report

What you get back

A real example, redacted — this is the exact format every uploaded policy is turned into.

Fair
Overall read: Fair
3 flagged items · reviewed in 84 seconds
HO-3 · Single Family · CA
Dwelling limit looks appropriately sized
$410,000 is in line with typical rebuild cost estimates for a home this size in this area.
Looks covered
Water backup limit may be worth a second look
The $5,000 sub-limit is on the lower end of what sewer/drain backup claims often cost ($15k–$40k). Worth asking your agent if a higher limit is available.
Worth reviewing
Flood doesn't appear to be included
This looks like a standard HO-3 policy, which typically excludes flood by default. No separate flood policy shows up here — worth confirming with your carrier, especially given the property's flood zone.
Ask your agent
From the blog

Plain-language explainers

Short reads that answer the questions people usually only ask after filing a claim.

LIABILITY

What does liability coverage actually mean?

The part of your policy that protects you when someone else is harmed — explained without the legal language.

Read the post →
HOMEOWNERS

Am I underinsured on my home?

How to check your dwelling limit against real rebuild costs, and why "market value" is the wrong number to use.

Read the post →
SMALL BUSINESS

Small business insurance, explained

General liability, BOP, and workers' comp — what each one actually covers and which ones you probably need.

Read the post →
JD
LICENSED INSURANCE PRODUCER · 11 YRS
"Most people don't read their policy until they're filing a claim. By then it's too late to fix a gap."

DecodeMyCoverage was built by a licensed insurance producer who spent over a decade helping people choose and understand the exact kinds of policies people now upload here. The checks this tool runs are the same categories a carrier uses to price risk, translated into plain language.

  • 0111 years placing personal & commercial lines
  • 02Licensed Property & Casualty insurance producer
  • 03Reviewed 4,000+ policies across 6 carriers

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