Free policy review
Check my insurance policy.
Upload your homeowners declarations page and get an AI-powered review in 60 seconds. We'll show you exactly where coverage falls short and where you're overpaying.
1. Upload
Drop in your declarations page. PDF, photo, or screenshot — all work. No account needed.
2. AI review
Our model reads every line, cross-references current rebuild costs, and flags every gap and deductible trap.
3. Scored report
Get a 3-part score: coverage strength, savings opportunities, and claim readiness. Plus a plain-English action list.
What we check on every policy
- Dwelling coverage vs current local rebuild cost
- Roof endorsement (replacement cost vs actual cash value)
- Wind/hail deductible (flat dollar vs percentage)
- Liability limit and umbrella opportunity
- Personal-property sub-limits (jewelry, electronics, cash, firearms)
- Water-backup, ordinance & law, service-line endorsements
- Discount stack vs what you actually qualify for
Frequently asked
How do I check my insurance policy?
The fastest way is to upload your declarations page (the 1–2 page summary your carrier sends each renewal). RateMyPolicy reads it with AI and flags coverage gaps, deductible traps, and overpayment in under a minute.
Can I check my insurance policy online?
Yes. Upload a PDF, photo, or screenshot of your declarations page here — no login needed to start. You only enter an email to unlock the full report.
How can I check my homeowners insurance policy?
Look at your declarations page for: dwelling limit (Coverage A), personal property (Coverage C), liability (Coverage E), wind/hail deductible, roof endorsement (RCV vs ACV), and any sub-limits on jewelry or electronics. Or upload it and we'll do it for you.
How to automate insurance policy checking?
RateMyPolicy automates exactly this. The AI reads the declarations page, compares it to current rebuild costs and standard endorsements, and produces a scored report. Designed for homeowners and the advisors who help them.