Named Storm Deductibles
Many Florida and coastal policies sneak in 5% hurricane deductibles — that's $15,000+ out of pocket before your insurance pays anything.
$9.99 · No account · No subscription · 30-second result
Read your insurance policy in plain English. Know what's actually covered.
Upload any policy — home, auto, renters, health, business, umbrella. In 30 seconds you see the exclusions, the sneaky deductibles, and the coverage holes that turn a claim into a denial. Before you need it — not after.
32 policies scanned in the last hour
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This is a real sample output — same format, same depth, same specificity you'll get for your own document. No fluff, no hedging, copy-paste scripts you can send the same day.
- Plain-English breakdown — no jargon, no legalese
- Specific dollar amounts, not vague ranges
- Copy-paste scripts you can send the same day
- Delivered in about 30 seconds
C+
Policy Grade: C+
Adequate base coverage but significant gaps in flood, sewer backup, and high wind/hail deductibles that could leave you exposed.
Covered
✓Fire, lightning, and explosion damage
✓Theft and vandalism up to dwelling value
✓Temporary housing up to 12 months if displaced
Not Covered
✗Flood damage of any kind — including storm surge
✗Sewer or drain backup (requires $50/yr endorsement)
✗Earthquake, sinkhole, or earth movement
Top Gotchas
⚠Named storm deductible is 5% ($19,250) — not the standard $2,500
⚠Jewelry capped at $1,500 per incident — most engagement rings exceed this
⚠Claims must be filed within 60 days or they can deny you entirely
How ReadMyPolicy actually works
A purpose-built analysis pipeline — frontier AI, a specialist prompt, and a structured report you can act on the same day.
Step 1
Paste
Copy your insurance policy text into the analyzer
Step 2
Analyze
AI reads every clause, exclusion, and condition
Step 3
Understand
Get your grade, gaps, gotchas, and plain English breakdown
What's under the hood
Frontier-grade AI
Built on state-of-the-art reasoning models — the same class of AI used for research-grade analysis.
Specialist prompt
Tuned for instant insurance policy analysis by domain experts — not a generic “help me with this”.
Structured output
Every report has the same shape: verdict, specific numbers, and a copy-paste script. Never freeform chat.
Privacy-first
Sent for the one analysis, then discarded. Never stored, never trained on, never sold.
12%
of homeowner claims were denied in 2023
Source: III
41%
Americans are underinsured against flood risk
Source: FEMA
64%
of homeowners have never fully read their policy
Source: Insurance Research Council
The traps hiding in your insurance policy
Six things ReadMyPolicy catches that most people miss.
Jewelry & Valuables Caps
Standard homeowner's policies cap jewelry at $1,500 per incident. If your engagement ring costs more, a single loss could leave you uncovered.
Sewer Backup Exclusions
Nearly all standard policies exclude sewer and drain backup — a $10,000+ claim waiting to happen. A $50/year endorsement fixes this.
Dog Breed Liability
Pit bulls, rottweilers, and wolf hybrids are often excluded entirely from liability coverage. One bite could mean a six-figure lawsuit you pay out of pocket.
Short Claim Windows
Some policies require claims within 30-60 days of loss — not discovery. Miss the window and your claim is dead on arrival.
Home Business Exclusions
If you work from home, most policies exclude business equipment, client visits, and liability. One slip-and-fall and you're personally liable.
Early user feedback
What users are saying
ReadMyPolicy is new — these are notes from our first users. Real customer reviews will replace this block once we have three or more.
“I've had this policy for 6 years and never noticed the 5% hurricane deductible until ReadMyPolicy flagged it. Five percent of my dwelling coverage is $19,250 — that's what I'd owe before my insurance kicked in for any storm damage. Called my agent the next morning.”
Sarah M.
Homeowner in Galveston, TX
“I figured $9.99 wasn't going to beat my agent. It found three things he never mentioned: the jewelry cap, the dog breed exclusion, and that I was two tiers under-insured on replacement cost. The replacement cost gap alone would have cost me an estimated $42,000 if my house burned down.”
Marcus D.
First-time homebuyer
“My renters policy said 'water damage' was covered. What it actually meant was very specific — not from upstairs neighbors, not from city water mains. ReadMyPolicy caught it and told me exactly what endorsement to add. $30/year fix on a policy that would have left me with a $9,000 loss.”
Priya R.
Apartment renter
Built for anyone who's been burned by fine print
Six common situations where ReadMyPolicy pays for itself.
Homeowners & Condo
Decode your HO-3, HO-5, HO-6, or condo policy before disaster strikes — find the gaps your agent didn't mention.
Renters
Know if your renters insurance actually protects your stuff — and exactly what's excluded.
Drivers
Decode your auto policy: collision, comprehensive, liability limits, uninsured motorist, and rental coverage.
Health & Disability
Understand your deductible, out-of-pocket max, in/out of network rules, and what's excluded — before you need care.
Small Business
General liability, E&O, BOP, cyber — find the coverage gaps that could sink you in a single claim.
Claim Disputes
Read what your policy actually says before you file — know exactly what they can and can't deny.
One payment. One report. Done.
No account, no subscription, no surprises. Pay $9.99, get your report, walk away.
- Plain-English coverage breakdown by section
- Specific gotchas with dollar amounts
- Action items with the exact endorsements to add
- Full report in about 30 seconds
- No account, no signup, no upsells
- Your data is never stored
- Instant download — no waiting on email
Independent insurance broker review: $150-300
$9.99
per analysis · one-time
Read My Policy — $9.99Secure payment via Stripe. One-time charge, no subscription.
Frequently asked questions
Everything you might be wondering before paying.
How does ReadMyPolicy work?
Paste or upload your policy. our AI reads every clause, every exclusion, every footnote, and hands you back a plain-English breakdown: what's covered, what isn't, the gotchas you'd never spot on your own, and a letter grade. About 30 seconds.
Is my insurance data safe?
Your policy goes to our AI provider for the analysis and that's it — we don't store it, we don't sell it, we don't have a database of your stuff. Your read is yours.
Can I upload a PDF of my policy?
Yep. PDF, Word, plain text, even a photo of a paper policy if that's what you've got. Drag and drop or click. 10MB cap.
How accurate is the AI analysis?
We use a frontier AI model that is very good at reading dense legal text — better than most of us will admit. It catches gaps, exclusions, and sub-limits that humans skim past. That said, it's a second opinion, not binding advice. For a claim dispute or a high-stakes decision, bring in a licensed agent or attorney.
What types of insurance can it analyze?
Homeowners (HO-3, HO-5, HO-6), renters, auto, condo, landlord, umbrella, most personal lines. Works on business and health too — just slightly less detailed on those because the policies are weirder.
How much does it cost?
$9.99. Once. Not a subscription, not a trial, not a mailing list. Pay, get the report, close the tab.
Can ReadMyPolicy replace my insurance agent?
No, and it's not trying to. Think of it as the sanity check you do before calling your agent — so when you call, you know exactly what to ask and exactly what they're not telling you.