AI policy review
AI insurance policy review.
Upload your homeowners policy. Our AI reads every line, compares it against benchmarks for your area, and produces a scored report on coverage, gaps, and savings — in under a minute, without trying to sell you a new policy.
Trained on real policies
Our model has read thousands of HO-3, HO-5, and HO-6 declarations pages. It knows what's standard, what's missing, and what's a quiet downgrade.
60-second review
Drop in a PDF or photo. The AI extracts every limit, deductible, and endorsement, then compares against benchmarks for your zip code.
Independent
We're not an insurance carrier. We don't earn commission for switching you. The review tells you what's actually wrong, not what's profitable to sell.
Plain English
No jargon. Each finding includes what it means, why it matters in dollars, and what to do about it.
Why AI is the right tool for this
Homeowners insurance is the rare consumer product where the buyer doesn't read the contract. Declarations pages are dense, the language is dated, and the most expensive details — sub-limits, endorsements that quietly switched form, percentage deductibles — are the ones easiest to skim past.
That's exactly the kind of work language models are built for: extracting structured data from semi-standardized documents and comparing it against a benchmark. RateMyPolicy combines that extraction with current rebuild-cost data, standard- endorsement libraries, and state-specific risk profiles.
The result is the review your independent agent could do for you in an hour, in 60 seconds, for free, without a sales pitch attached.
What's included in a homeowners insurance policy review
Not sure if you even have a problem? Run the 10-red-flag diagnostic first →
Whether you run it through our AI or do it manually, a thorough review covers these nine items:
- Coverage A vs current local rebuild cost per square foot
- Deductible structure — flat, plus any percentage wind/hail/hurricane/named-storm deductibles
- Personal property settlement: RCV vs ACV (and any roof-only ACV endorsement)
- Sub-limits on jewelry, firearms, electronics, cash, and business property
- Endorsements present vs missing: water backup, service line, ordinance & law, equipment breakdown
- Liability limit (most defaults of $100k are too low) and whether an umbrella is layered on top
- Loss of use limit and time cap
- Mortgagee clause, named insureds, and any LLC/trust on title
- Discounts applied vs available (claims-free, monitored alarm, roof age, bundle)
New to this? Start with our declarations page explainer — it walks through every line of the document the review is reading.
Frequently asked
What is an AI insurance policy review?
An AI insurance policy review uses a language model to read your declarations page, extract every limit and endorsement, and compare them against benchmarks (current rebuild costs, standard endorsements, common sub-limits). The output is a scored report of coverage strength, gaps, and savings opportunities.
What is an insurance policy review?
An insurance policy review is a structured check of your declarations page and policy form against current benchmarks — replacement cost, recommended deductible structure, standard endorsements, and common sub-limits — to find coverage gaps, underinsurance, and missing discounts before you file a claim.
What's the difference between a policy review and a homeowners insurance audit?
They're the same thing in practice. 'Audit' is the term agents tend to use; 'review' is what consumers search for. Both walk through every line of your declarations page and compare it to current benchmarks for your home.
How often should I review my homeowners policy?
At least annually at renewal, and any time you remodel, finish a basement, add a structure, buy something valuable enough to schedule (jewelry, firearms, art), or experience a 10%+ jump in local rebuild costs. Most underinsurance comes from policies that haven't been touched in 3+ years.
Can I do a homeowners policy review myself?
Yes — start with our declarations-page explainer and the checklist above. The AI review automates the same checks in 60 seconds and flags benchmark gaps you'd have to look up manually.
Is the AI review accurate?
The AI is excellent at extracting structured data from declarations pages and comparing it to benchmarks — that's what language models do best. For complex situations (high net worth, business use of home, prior claims) we recommend pairing the AI review with a 15-minute call with a licensed advisor.
Do I need an account to get an AI insurance review?
No. You can upload your policy and start the review without an account. We only ask for an email when you're ready to view the full scored report — that lets you save it and come back later.
Is my policy data private?
Yes. Your declarations page is processed for your review only and isn't shared with carriers or used to train external models. You can delete it from your account at any time.
Try it now
Free, no account required to start. Email only at the report stage.