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
Plain-English insurance policy summary in 30 seconds.
Upload any policy — home, auto, renters, health, business, umbrella. See exclusions, deductibles, and coverage gaps in plain English. Informational only — bring your agent into any coverage decision.
32 policies scanned in the last hour
PDF, Word, or photo · Max 10MB
Stripe-secured·Report in ~30s·Refund if we can't parse it
Secure payment via Stripe · One-time $9.99 · No account · No subscription
By continuing you agree to our Terms and understand this is an AI-generated informational summary that may contain errors. AI can be wrong even when it sounds confident. You are responsible for verifying the output and for any decision you make based on it. Not legal, financial, insurance, or professional advice.
One-time $9.99 · no subscription
Instant report · no waiting
Stripe-secured · Data never stored
See the exact report before you pay.
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 plain-english insurance policy summary 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 really focused on the hurricane-deductible language until ReadMyPolicy surfaced it in plain English. Gave me a clear question to bring to my licensed agent the next morning. Useful as a starting point — outcomes from the conversation are between you and your agent.”
Sarah M.
Homeowner in Galveston, TX
“Figured $9.99 wasn't going to beat my agent's read. The summary surfaced a few things I hadn't been thinking about — jewelry sub-limits, breed exclusions, replacement-cost questions — that gave me a useful agenda for the next call with my agent. Individual experience; your situation will vary.”
Marcus D.
First-time homebuyer
“My renters policy mentioned 'water damage' but the language was nuanced. ReadMyPolicy gave me a plain-English summary of the carve-outs so I knew what to ask my agent about. Useful research input.”
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 summary of covered and excluded items
- Sub-limits, deductibles, and gotchas surfaced in one place
- Questions to bring to your licensed agent
- 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
Get My Plain-English Summary — $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, exclusion, and footnote, and returns a plain-English summary: what appears to be covered, what appears to be excluded, sub-limits and deductibles to be aware of, and questions to bring to your licensed agent. About 30 seconds. Informational only.
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 summary 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 summary?
AI can make mistakes — sometimes confidently. The summary may contain factual errors, miss context, or misinterpret the policy text you submitted. Treat the output as a starting point for a conversation with your licensed agent, not a definitive coverage opinion. For claim disputes or high-stakes decisions, your agent or a licensed attorney is the right call.
What if the summary is wrong?
You are responsible for verifying every specific (deductible amounts, exclusion language, sub-limits, named clauses) against the source policy and with your licensed agent before acting. We're not liable for decisions you make based on inaccurate output. If the analysis itself won't run, our refund policy covers that.
What types of insurance can it summarize?
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 summary, close the tab.
Is this insurance advice? Can it replace my agent?
No. ReadMyPolicy is an informational summary tool. We are not a licensed insurance producer, broker, or agent. Use the summary to know what questions to bring to your licensed agent — they're the right person for any actual coverage decision.