Interactive
Read your policy in English, not legalese
Your homeowners policy in plain English — what's covered, what's excluded and what's buried in the fine print. Download the analyzer as a single file, drop it into the AI chat you already use, and attach your policy.
Water Damage — Sump Pump Overflow
Loss resulting from discharge or overflow of water from any sump, sump pump, or related equipment is excluded unless endorsed by rider.
Basement flooding from a failed sump pump isn't covered — unless you added the specific rider for it.
Anti-Concurrent Causation
We do not insure for loss caused directly or indirectly by any excluded peril, whether or not any other cause or event contributes concurrently or in any sequence to the loss.
If a covered event and an excluded one hit together — say, wind and flood — the excluded one can sink the whole claim.
Vacancy Provision
Coverage under Section I is suspended while the described dwelling is vacant beyond sixty (60) consecutive days, unless otherwise endorsed.
Leave the house empty for more than 60 days and most of your coverage quietly switches off.
Every clause, sorted
Every coverage type in the document, in plain English — with the dollar limit next to it.
Every exclusion, listed one by one — not summarized into a single vague line.
Sublimits, vacancy clauses and claim-filing windows hidden inside the definitions.
How it works
The analyzer is a single .md file you can use in any LLM chat — nothing to install.
Download the file
One .md file. No account, no server, nothing to install.
Drop it into your LLM
Paste it into Claude, ChatGPT or any chat that takes file uploads.
Upload your policy
Attach your homeowners PDF or DOCX and ask it anything.
Downloaded — now drop it into your LLM of choice.
When you're done, ask “save this analysis” — it hands back a real PDF if your LLM can generate files, or a clean copy-ready version you can print to PDF yourself if it can't.
Why we built this
In News21's reporting on the housing crisis, homeowners hit by fires and floods often learned what their policies actually covered only after disaster struck — a missing rider here, a buried sublimit there. This tool is for reading the fine print before you need it.
This tool reads your policy and translates it — it does not adjudicate claims, and it isn't legal, financial or insurance advice. For an actual coverage dispute, talk to a licensed insurance professional or attorney.