Understand what’s in front of you.
Bring policies, declarations, renewals and endorsements together. Read limits, deductibles and conditions with the original wording close by.
CLARITY. CONFIDENCE. A BETTER CONVERSATION.
Know your
coverage.
Own the conversation.
Understand the details. See what changed. Walk into your next renewal ready to talk with your agent or broker.
Personal & commercial property and casualty insurance. No life, health, financial or legal advice.
Powered by The Intelligent Agent
ILLUSTRATIVE EXAMPLE · NOT YOUR POLICY
Homeowners renewal
Current annual premium$2,100
→New annual premium$2,340
+$240+11.4% annually
Wind deductible1% → 2%+1 percentage point
Water backup limit$10,000 → $5,000−$5,000
A higher premium. A higher wind deductible. A lower backup limit. Three things to discuss before renewing.
YOUR NEXT MOVETurn a change into a clear question.↓
MOVE FROM PAPERWORK TO A PLAN
Understand coverage
Spot changes
Prepare for renewal
Talk to your agent
THE PRICE IS ONLY PART OF THE STORY
See the difference.
Before you decide.
A renewal can change more than the premium. Put the old and new terms beside each other, with dollar changes, percentages and the details that deserve a closer look.
Illustrative figures show how a comparison works. Your results come from your documents. Numeric changes require compatible, source-checked values; missing or conflicting terms stay unresolved.
Compare your policy versions →A CLEARER VIEW OF YOUR BUSINESS COVERAGE
Your business.
Every moving part.
One clear comparison.
Review the package premium alongside general liability, property, business income and deductibles. Keep a separate cyber policy distinct, so a limit from one policy is never mistaken for another.
BUSINESS OWNERS / PACKAGE
A business policy, side by side.
Illustrative example figures in USD. General liability and property limits have different purposes and are not added together.
ILLUSTRATIVE BOP / PACKAGE EXAMPLE · USD
| Coverage / term | Current | Renewal | Change |
|---|---|---|---|
| Annual package premium | $8,400 | $9,240 | +$840 · +10% |
| GL · per occurrence | $1,000,000 | $1,000,000 | No change |
| Business property limit | $250,000 | $275,000 | +$25,000 · +10% |
| Property deductible | $1,000 | $2,500 | +$1,500 · +150% |
SEPARATE CYBER POLICY
Cyber needs its own line of sight.
This companion example is a separate policy. Cyber coverage is not assumed to be included in the package above.
ILLUSTRATIVE SEPARATE CYBER EXAMPLE · USD
| Coverage / term | Current | Renewal | Change |
|---|---|---|---|
| Annual cyber premium | $1,200 | $1,500 | +$300 · +25% |
| Cyber liability · per claim | $1,000,000 | $1,000,000 | No change |
| Cyber retention · per claim | $2,500 | $5,000 | +$2,500 · +100% |
Example terms are hypothetical. Your actual comparison requires complete policy wording, compatible coverage bases, and source checks. A higher limit does not by itself establish broader coverage.
Organize your business coverage →DON’T LET RENEWAL BECOME A LAST-MINUTE DECISION
A renewal center.
A clearer plan.
Bring the deadline, the changes and the next conversation together. Know which document you need, what deserves a closer look, and what to ask your agent before deciding.
↻Renewal center
ILLUSTRATIVE WORKSPACEHOMEOWNERS RENEWAL
Your review, in one place.
Example term end: November 19, 202642calendar days
in this example
in this example
1 · Gather documents2 · Review changes3 · Talk with your agent4 · Check issued wording
THREE CHANGES TO REVIEW
- Annual premium
- +$240 +11.4%
- Wind deductible
- 1% → 2% of dwelling limit
- Water backup limit
- $10,000 → $5,000 −$5,000
Illustrative dates and status, not a live reminder. Your workspace uses confirmed issued-policy dates and shows its timezone. Drafts are reviewed and copied by you; nothing is sent automatically.
LESS GUESSWORK. A CLEARER NEXT STEP.
Make the details
work for you.
Prepare before the renewal date.
See the recorded term end from confirmed policy dates. Compare a new offer with the current version and identify what still needs an answer.
Have a more useful conversation.
Take focused questions to your agent or broker. Prepare an editable email draft that explains what you want to review, in your own words.
CLEAR QUESTIONS. BETTER CONTEXT.
Give your agent
something useful
to respond to.
Move beyond “Why did my price go up?” Bring the specific changes, the policy wording and your priorities into the conversation.
Prepare your next conversationYou review, edit and copy the draft. Email, reminders and policy changes are never sent automatically.
ILLUSTRATIVE EMAIL DRAFT
To Your insurance agent or broker
Let’s review these renewal changes.
FOR THE LIFE AND WORK YOU’RE BUILDING
Personal lines.
Commercial lines.
Bonds, too.
01 / PERSONAL
Protecting your everyday.
Home, auto, renters and umbrella documents. See each policy’s details without blending unrelated limits or assuming every risk is covered.
Your household workspace →02 / COMMERCIAL
Supporting your business.
Property, general liability, business income, professional liability and cyber documents. Organize the paperwork behind your business decisions.
Your business workspace →03 / BONDS & SURETY
Understanding the obligation.
Keep bond documents with your business records and read their original wording. Bond-specific structured analysis is planned; issuing, underwriting and quoting bonds are not available.
Organize bond documents →PDF storage and selectable-text reading are available. AI-assisted extraction and questions are currently limited to selected validation documents. Scanned-page reading is under validation.
CONFIDENCE STARTS WITH THE SOURCE
Don’t stop at
the summary.
See the wording.
A limit may have a condition. An endorsement may change a term. Open the original page behind a detail and bring the wording, not just an AI summary, into the conversation.
Ask your policyYOUR WORKSPACE
Start with your document.
Your saved policy details and original sources will appear here.
Original PDFs stay attached to their policy versions.
YOUR DOCUMENTS, HANDLED WITH CARE
Clear choices.
Visible sources.
Sign in to organize your records. Choose external processing for each document version. Keep the original within reach.
Separate workspacesEach customer owns a private workspace. Support access requires a named, expiring document grant.
Processing by permissionReview the named providers before using external AI or scanned-page reading.
Room to recoverRemoved documents can be restored from Trash for seven days.
Which documents can I upload?＋
Use public forms or redacted, non-sensitive policy documents. Health insurance, medical or claim records, Social Security/tax IDs, payment-card data, passwords and other sensitive information are not accepted. This service does not provide data-residency guarantees.
How are documents processed?＋
Native text reading runs within this app. When configured and approved for a version, OpenAI receives extracted text and questions for policy analysis; Reducto receives the PDF for scanned-page reading. Availability is shown in the workspace.
What should I know about retention and removal?＋
Provider retention depends on the account and processing settings. Removing a document here immediately hides its app sources and allows seven days for recovery; automatic cleanup is pending separate activation. Active policies stay until you delete them. App removal does not erase provider records or logs. We do not claim zero retention.
How should I use the results?＋
Use PolicyLingo to prepare, compare and ask better questions. Check the original conditions and endorsements, and confirm important coverage decisions with your licensed insurance agent or broker. The app does not bind coverage, decide claims or replace their advice.
YOUR POLICY. YOUR QUESTIONS. YOUR NEXT STEP.