Typical cost: $15,000–$25,000
ACV vs. RCV roof
Actual Cash Value depreciates your roof by age. A 15-year-old roof might pay out 30% of replacement cost.
We flag every ACV clause — and tell you exactly what to ask for instead.
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The real cost of bad insuranceshows up after the claim.
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Sample Policy Review
HO-3 · Sample Declarations
CriticalACV roof clause
"Roof: Actual Cash Value (ACV) settlement"
Owner could lose ~$18,000 after a hailstorm
WatchHidden percentage deductible
"Wind/Hail Deductible: 2% of Coverage A"
$9,200 out of pocket on a $460k home
CriticalWater backup excluded
"Water backup of sewers or drains: NOT INCLUDED"
Avg. denied claim: $7,500
GoodRCV dwelling coverage
"Dwelling Coverage: Replacement Cost"
Good — your home rebuilds in full
Total exposure flagged
$34,700
Why homeowners feel safe uploading here
Declarations page only
One page is usually enough — not your whole policy file.
Redact what you want
Cover your name, address, or policy number. We still flag the gaps.
Encrypted & never sold
Stored privately. Never shared with carriers or marketers.
Real licensed advisors
Every finding is reviewed by a human before it reaches you.
No card. No obligation.
Free forever. No pressure to switch carriers — ever.
$47,000
Average coverage gap closed
3.2
Hidden gaps found per policy reviewed
1,247
Policies independently reviewed
Coverage first. Price second. We review your policy independently — no carrier kickbacks, ever.
Why we exist
Insurance is the only product nobody markets on quality.
Every other industry sells you on what's better about their product. The insurance industry sells you on price and a punchline — because legacy carriers know most homeowners will never read the fine print that actually decides their claim.
That's the gap RateMyPolicy fills. We read the coverage so you can buy on protection, not price.
Carriers compete on price
Lower the premium, win the click. Coverage gets quietly trimmed to hit a number — and the trim never shows up on the quote screen.
Ads sell brand, not protection
Geckos, mayhem, celebrity spokespeople. Notice no carrier ever says 'our coverage is better' — because legally and competitively, they can't.
Two identical premiums, two different outcomes
Same $1,800/yr. One pays out $250k after a hailstorm. The other pays $90k. The difference is in clauses no one reads until it's too late.
Three clauses that quietly decide claims
Three clauses that quietly cost homeowners thousands.
They're buried in your declarations page. We read every line so you don't have to.
Typical cost: $5,000–$12,000
Percentage deductibles
A '2% wind/hail deductible' on a $500k home means $10,000 out of pocket — not the $1,000 you assumed.
We translate every deductible into a real dollar number based on your dwelling coverage.
Typical cost: Entire claim denied
Anti-concurrent causation
If wind and water both damage your home, this clause lets the insurer deny everything. Common after hurricanes.
We surface this clause and the carriers most likely to invoke it.
How it works
From upload to insights in under 2 minutes.
Step 1
Upload Your Dec Page
Your declarations page as a PDF or photo — takes 30 seconds.
Step 2
AI Reviews Coverage
Our model analyzes 50+ coverage details and flags risks.
Step 3
Receive Insights
Get personalized scores, recommendations, and savings ideas.
Free tools & guides
Not ready to upload? Start here.
Free calculators and plain-English guides — no signup, no credit card.
Coverage Calculator
Estimate how much homeowners insurance you actually need in 60 seconds.
Run the calculatorFind Coverage Gaps
The 7 hidden gaps we find in 90% of homeowners policies.
See the gapsCheck My Policy
A free 60-second policy check — no PDF upload required.
Start the checkCoverage Guide
How much dwelling, liability, and personal property coverage you actually need.
Read the guide Independent audit checklist
The 19-point check we run on every policy.
No marketing fluff — these are the exact line items our AI reviews and our licensed advisors verify, drawn from the clauses that quietly decide claims.
Roof & dwelling
- ACV vs. RCV roof settlement clause
- Cosmetic damage exclusion on roof
- Replacement cost vs. market value on dwelling
- Ordinance & law coverage limit
- Extended/guaranteed replacement cost endorsement
Deductibles & perils
- Wind/hail percentage deductible (translated to $)
- Named-storm or hurricane deductible
- Anti-concurrent causation language
- Earth movement / sinkhole exclusions
- Water backup of sewers & drains endorsement
Liability & contents
- Personal liability limit vs. household risk profile
- Personal property: ACV vs. replacement cost
- Scheduled personal property (jewelry, firearms, art)
- Loss of use / additional living expense limit
- Umbrella policy alignment with underlying limits
Discounts & savings
- Class 4 / impact-resistant roof discount
- Bundling, claims-free, and loyalty discounts
- Protective device & monitored alarm credits
- Deductible optimization vs. premium savings
Every finding is reviewed by a licensed advisor before it reaches you.
We've reviewed policies from every major carrier.
State FarmAllstateTravelersUSAALiberty MutualFarmers
Homeowners trust the review
"I had no idea my roof was on ACV until RateMyPolicy flagged it. Would have cost me thousands at claim time."
Jennifer K.
Austin, TX
"Clean, simple, and the insights felt like a real advisor walked me through my policy."
Marcus B.
Tampa, FL
"Thought I was 'fully covered' with a name-brand carrier. They found three exclusions I'd have learned about the hard way."
Priya S.
Denver, CO
Human in the loop · 100% free
Want a real human to walk you through it — for free?
A licensed advisor will review every flagged finding with you in person — at no cost. No sales pitch, no carrier kickbacks, no obligation to switch. Just an independent read on what your policy actually does.
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