RateMyPolicy
Compare More Than Price

Cheap insurance is easy to sell. Good coverage is harder to find.

RateMyPolicy identifies hidden coverage gaps, claim limitations, and costly endorsements before they become expensive surprises.

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Upload your insurance policy and uncover hidden exclusions, ACV roof coverage, percentage deductibles, and claim pitfalls.

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Policy Review
Sarah Mitchell
State Farm · HO-3 · Renews Aug 14
Reviewed
82
Coverage
67
Savings
74
Claim Ready
2% wind/hail deductible — ~$12,000 out of pocket
Roof silently switched to ACV — depreciated payout
Dwelling coverage $89k below rebuild cost
  • 12,000+Policies analyzed
  • $4,300 avg.Exposure uncovered
  • 9 of 10Have a coverage gap

Based on internal RateMyPolicy reviews. Individual results vary.

The hidden truth

Two homeowners can pay the same premium — and have completely different coverage.

Both pay $2,400 / year
Policy A
  • Protected
    Flat $2,500 deductible

    $2,500 out of pocket, every time

  • Protected
    Full roof replacement (RCV)

    Carrier pays full cost to replace

  • Water backup included

    $5,000–$10,000 of backup coverage

After a hail claim
~$2,500out of pocket
~$42,000 covered by the carrier
Policy B
  • Hidden gotcha
    2% wind / hail deductible

    $12,000 on a $600k home

  • Hidden gotcha
    ACV roof payout

    Depreciated by age — you cover the gap

  • No water backup coverage

    100% out of pocket for sewer backup

After a hail claim
~$27,000+out of pocket
~$17,000 covered by the carrier

Same premium. Very different claim outcome.

What we analyze in your policy

  • Roof payout type (RCV vs ACV)
  • Wind & hail deductibles
  • Dwelling coverage adequacy
  • Water backup protection
  • Ordinance & law coverage
  • Liability limits
  • Special limits on valuables
  • Hidden exclusions & endorsements

We translate insurance language into plain English.

How it works

  1. Choose your path

    Run the 60-second risk check or upload your policy for a full AI review.

  2. Our AI reviews your policy

    We flag costly gaps, percentage deductibles, and claim pitfalls.

  3. Get a plain-English breakdown

    Plus recommendations from a licensed independent advisor.

Before your next claim

Cheap insurance can become very expensive after a claim.

60 seconds. No phone call. Just clarity.

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