Your privacy is the default, not a setting. You choose how much to share: upload your policy, or skip documents and answer a few simple questions instead. We never sell your information. Uploaded policy documents are not stored after your report is generated.
Insurance made easier to understand.
Homeowners, condo, and renters policies
Upload your policy PDF and CoverageDecoder reads it and explains what it says: exclusions, deductibles, endorsements, and limits, each tied to the page it came from. Start with a free quick check. The full explanation is $9.
Unlike a chatbot, it asks about your home and state first, so it covers what you would not know to ask.
The quick check is free. The full explanation of your policy is a one-time $9.
We never sell your information. Your policy is used only to build your report and is not kept afterward.
Start here
A 36-second video shows four lines worth a closer look.
The quick check works from your answers alone, free.
Read it on screen or in your email, then take the questions to your agent.
Why CoverageDecoder exists
Insurance policies are written by insurance professionals, for insurance professionals. Insurance companies have trained staff, and increasingly AI tools, to read every line. A homeowner usually has neither.
CoverageDecoder puts that reading on your side. It does not sell insurance, earn commissions, or work for an insurance company, so the report has one job: explaining what your policy says.
Sample finding
From CoverageDecoder's fictional Ohio sample policy.
Sample report
Page 12 · Form EX-RS-01Your policy says
“Roof damage caused by windstorm or hail is paid at actual cash value.”
What it means
In this fictional policy, a storm-damaged roof is paid at its used value, not what a new roof costs. On an older roof that difference can be thousands of dollars.
Your report has a page like this for every finding. See the full example report.
Free ways to learn
Guides, interactive home scenarios, official state resources, and the checklist remain free with no email required.
Questions worth asking about your homeowners policy, with an email ready to copy.
ExploreSee what a percentage wind or hail deductible actually costs you in dollars. No sign up.
ExploreFocused explanations of policy topics, no email required.
ExploreExplore everyday home scenarios and save questions you may want to ask your agent.
ExploreOfficial consumer links for all 50 states and DC.
ExploreEight items worth checking in a residential policy.
ExploreA few quick questions on how home insurance actually works.
ExploreA report that pulls out the key exclusions, endorsements, deductibles, and limits in your policy and explains each one without the insurance jargon. You also get questions you may want to ask your agent and an email to your agent with those questions, ready to send. It appears on screen, is emailed to you, and can be printed or saved as a PDF.
No. The free quick check is built from what you tell us about your home, state, and situation. If you add a policy PDF, the $9 full review also explains document-specific limits, deductibles, forms, endorsements, and policy language it finds. The policy upload option is not available in every state.
CoverageDecoder uses AI to generate each report from a researched findings library checked against state law and insurance-department guidance, plus your own document when you upload one. Rules check the report before delivery for banned wording, invented figures, and out-of-state material. The report can still be wrong or incomplete, and your actual policy always governs. It is educational, not insurance or claims advice.
There is no account. CoverageDecoder does not store your answers, finished report, policy document, or email address in its report database. A policy document is used to generate the report, and the checkout email is passed to the email provider for delivery. CoverageDecoder never sells your information. See the Privacy Policy for service-provider processing and retention details.
Your finished report appears on screen and is emailed to the address you enter at checkout. You can print it or use your browser's print window to save it as a PDF. The email can sometimes land in Spam or Promotions.
Completed reports are not refundable. If your report fails to generate, email support@coveragedecoder.com. We will confirm the failure and refund the payment to the original payment method.
Free quick check · $9 full review
Start with a free quick check from a few questions, or upload your policy for a one-time $9 full review on screen and by email. No subscription, no account.
Completed reports are not refundable. If a report fails to generate, email support@coveragedecoder.com for a confirmed-failure refund.