The Insurance Industry Won't Tell You This
Your Policy Was Written
By Their Lawyers.
Not Yours.
Every insurance policy is a legal contract. It was drafted by the carrier's legal team to define exactly what they will and will not pay. Most people never read it. That's not an accident.
Read My Policy — $39The Numbers
What the Data Actually Shows
58%
of American homes are underinsured, according to CoreLogic
21%
average gap between coverage limit and actual replacement cost
$40B+
in uncollected insurance claims annually due to policy misunderstanding
74%
of policyholders have never read their full policy document
The Truth About Policies
Why the System Is Stacked Against You
None of this is illegal. All of it is intentional.
Policies Are Written in Legal Language on Purpose
The average insurance policy is written at a 16th-grade reading level. Most Americans read at an 8th-grade level. The gap is not a coincidence — ambiguous language almost always gets interpreted in the carrier's favor at claim time.
Your Agent Works on Commission
Independent agents earn 10-20% commission on your premium. Captive agents are employed by the carrier. Neither has a legal fiduciary duty to you. Their financial incentive is to sell the policy — not to ensure it actually covers your specific risks.
Sublimits Are Hidden in Plain Sight
Your policy may have a $200,000 personal property limit — and a $3,000 sublimit on jewelry theft buried in Section I. Carriers are not required to highlight sublimits. Most people discover them only after a claim is denied.
Replacement Cost Is Not What You Think
Replacement cost coverage sounds complete. But it only pays what it costs to rebuild with like kind and quality materials at the time of loss. If your dwelling limit is $400,000 and actual rebuild costs are $580,000, you have a $180,000 problem.
Flood and Earthquake Are Almost Always Excluded
Standard homeowners policies exclude flood and earthquake universally. Neither carrier nor agent is required to proactively inform you of this exclusion. The responsibility to identify gaps and purchase separate coverage falls entirely on you.
The Proof of Loss Process Favors the Carrier
After a major loss, you typically have 60 days to submit a sworn proof of loss — a detailed inventory of everything you lost with values. Most people have no inventory. No photos. No receipts. Without documentation, claims get reduced or denied.
Why Independent Matters
We Have No Stake in What You Buy
No commission
We are not licensed agents or brokers. We earn nothing from any insurance sale — ever.
No referrals
We do not refer you to agents, carriers, or any other financial product. There is no back-end deal.
No upsell
You pay $39. You get a report. That is the entire transaction. No subscription. No follow-up sales.
No data retention
Your policy file is permanently deleted immediately after your report is generated and delivered.
Take Action
Questions You Should Ask Your Agent Right Now
You don't need our report to ask these. But you'll understand the answers better once you've read yours.
01
What is my dwelling replacement cost limit and how was it calculated?
02
Do I have extended replacement cost coverage and what triggers it?
03
What are the sublimits on jewelry, electronics, and fine art?
04
Is flood excluded from my policy and do I need separate coverage?
05
What is my all-perils deductible and does it apply to every claim?
06
Does my policy pay actual cash value or replacement cost on personal property?
07
What endorsements are currently on my policy and what do they add?
08
How long do I have to file a claim and submit proof of loss after a loss?
09
Does my policy have an appraisal clause and how does it work?
10
When was my dwelling limit last reviewed against current construction costs?
Stop Guessing. Read Your Policy.
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