RateMyPolicy
Compare More Than Price

Your homeowners policy may look fine — until you file a claim.

RateMyPolicy finds hidden coverage gaps, percentage deductibles, ACV roof endorsements, and other costly surprises in under 60 seconds.

Step 1 · No upload60-Second Risk Check

5 questions · Instant risk score

Step 2 · Upload your policyRate My Policy

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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
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. 1

    Upload your declarations page

    Or run the no-upload risk check in 60 seconds.

  2. 2

    Our AI reviews your policy

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

  3. 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.

Step 1 · No upload60-Second Risk Check

5 questions · Instant risk score

Step 2 · Upload your policyRate My Policy

Upload your dec page · Full coverage report

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