Free resource
Your state's insurance department, in one place
Most states publish tools nobody knows about: sample rate comparisons, consumer guides, complaint lines, and an insurer of last resort. Pick your state to find yours.
These links go to official state government sites. Sample rates are not quotes. CoverageDecoder receives nothing from any state or insurer, and a cheaper company on a state's list is not a recommendation from us.
All 50 states and the District of Columbia are here. Links verified September 3, 2026.
So... is it in YOUR policy?
Your state's department can tell you what companies charge. CoverageDecoder tells you what your own policy says. The free quick check is built from your answers about your home and walks through the topics they point to. Upload your own policy document for the one-time $9 full review, which also shows you what it found, with no insurance jargon.
No app to download. No subscription. The quick check is free. The full review is a one-time $9.
CoverageDecoder is an educational tool, not insurance advice. For decisions about your coverage, talk with your licensed insurance agent.