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.
Understand what's in your policy.
Most people don't know what their home insurance policy says until they need it. CoverageDecoder shows you what your policy says it includes, what it excludes, and the limits most people never notice, without the insurance jargon. Your report is personalized to your home and your situation, with questions on each important topic it finds and an email to your agent, ready to send, so you can have an informed conversation about your coverage.
One-time payment. Policy document optional.
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 report works without it too.
The key exclusions, endorsements, and deductibles in your policy, each explained without the insurance jargon. Plus targeted questions for your agent, and an email to your agent with those questions, ready to send.
Payment happens after the questions and before the report is generated. The finished report appears on screen and is emailed to the checkout address.
Answers only: the report explains the topics that usually matter for a home like yours, plus questions for your agent.
Add your policy: it also pulls out the exclusions, endorsements, deductibles, and limits in your own document, with the page each one came from.
Why CoverageDecoder exists
Insurance policies are written by insurance professionals, for insurance professionals. Insurers use experts and AI to read every line. Most homeowners have neither.
CoverageDecoder uses AI to put that reading on your side: your policy, decoded, so you can understand it.
Questions about a purchase or report? Email support@coveragedecoder.com.
An example finding from a report
This example comes from CoverageDecoder's fictional Ohio sample policy.
One finding from an example 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 gap 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.
Focused explanations of policy topics, no email required.
ExploreExplore everyday home scenarios and save questions for your agent.
ExploreOfficial consumer links for all 50 states and DC.
ExploreEight items worth checking in a residential policy.
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 targeted questions for 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 answers-only report is built from what you tell us about your home, state, and situation. If you add a policy PDF, the report can also explain 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.
One report · One payment
Answer a few questions, add your policy if you have it, and get your report on screen and by email. One time. No subscription, no account. We never sell your information.
Start my report · $9Completed reports are not refundable. If a report fails to generate, email support@coveragedecoder.com for a confirmed-failure refund.