We Read the Fine Print.
So You Don't Have To.

Flood damage is explicitly excluded under Section I of this policy. The property is located in an area subject to monsoon and flash flood events. No flood endorsement or separate NFIP policy was identified in the submitted documents.

Theft of jewelry, watches, furs and precious stones is subject to a $3,000 sublimit regardless of the Coverage C limit. Items with a combined value exceeding this amount are not fully covered under this policy without a scheduled personal property endorsement.

The Section I deductible applies to all covered property losses. The insured bears the first $5,000 of any covered property loss before the policy responds. This deductible level eliminates coverage for a significant number of common small to mid-size claims.

The declarations page does not reflect any scheduled personal property endorsements. High-value items such as fine jewelry, art, collectibles, or musical instruments may be subject to sublimits or excluded under the base policy.

The policy includes Extended Dwelling Coverage providing up to 50% additional coverage above the Coverage A limit, contingent upon maintaining 100% replacement cost coverage and notifying the carrier of renovations over $5,000 within 180 days.

01

Policy Overview

Carrier, form number, named insured, premium and policy period.

02

Coverage Summary

Every coverage, limit, deductible and settlement basis from your declarations.

03

Adequacy Estimates

Dwelling replacement cost and vehicle ACV estimates compared to your limits.

04

Gaps & Findings

Critical, High, Moderate and Info findings ranked by severity.

05

Key Exclusions

Exclusions that could deny or limit a real claim — identified and explained.

06

Endorsement Inventory

Every endorsement listed with its form number and coverage impact.

07

Claim Behavior

Settlement basis, depreciation, appraisal clause and proof of loss requirements.

08

Real-World Scenarios

How your policy responds to common loss scenarios specific to your coverage.

09

Plain Language

Contract language translated into plain English for key policy provisions.

10

Questions to Consider

Specific questions worth discussing with your agent based on your policy.

11

Claim Readiness Guide

Steps to take now so you are prepared if a loss occurs.

"I had no idea my jewelry wasn't covered above $3,000. I have pieces worth ten times that. The report found it immediately."

Sarah M.

Phoenix, AZ · Homeowners

"My deductible was $5,000 and I never really thought about what that meant until I read the plain language section. Eye opening."

James T.

Denver, CO · Homeowners

"Worth every penny. I sent the questions section straight to my agent and got two coverages added I didn't know I was missing."

Linda K.

Austin, TX · Auto + Homeowners

"The claim readiness guide alone is worth it. I had no inventory, no photos, nothing documented. Now I do."

Robert P.

Prescott, AZ · Homeowners

"I've had the same policy for 11 years and never read it. This report told me more in 10 minutes than I learned in a decade."

Carol S.

Nashville, TN · Homeowners

"My flood exclusion was buried on page 14. The report flagged it as critical. I live near a wash. I got flood coverage the next day."

Mike D.

Tucson, AZ · Homeowners

01

02

03