Your Independent Shield
Against Complex Policies
Upload your insurance policy and ask plain-English questions about your actual coverage. MyPolicyShield reads the fine print, finds the gaps, and tells you exactly what is - and is not - protected.
Policy analyzed. Here is what I found:
Am I covered if my sump pump overflows?
No. Section 8, Clause 4b excludes water backup unless you added the Water Backup Endorsement. This rider is not in your current policy. Typical cost to add: $50-150/year.
39,000+
Policy scenarios indexed
50 states
Coverage research available
10 carriers
Major insurers analyzed
100%
Independent - no carrier affiliation
How It Works
Three steps to know exactly what you are covered for
No more calling your agent. No more guessing.
Scan Your Policy
Upload any insurance PDF - home, auto, life, renters, health. Our OCR engine extracts every clause, exclusion, and limit in seconds.
Ask Anything
Chat directly with your policy. Ask "Am I covered if a tree falls on my fence?" and get a direct answer with the exact clause cited.
Find Your Gaps
Our AI flags missing riders, underinsured limits, and exclusions you never knew existed - before a claim reveals them the hard way.
How It Helps
Illustrative examples of what PolicyShield finds
"A homeowner uploads their policy and asks if water backup from their sump pump is covered. PolicyShield finds the exclusion in seconds - buried in Section 8 where most people never look."
Illustrative Example
Homeowner policy scenario
"A policyholder facing a denied roof claim uploads their policy. PolicyShield identifies the exact counter-clause the carrier overlooked - giving them the language they need to push back."
Illustrative Example
Homeowner claim scenario
"A small business owner uploads three separate policies - commercial liability, property, and auto. The gap analysis surfaces overlapping exclusions none of their agents had flagged."
Illustrative Example
Commercial policy scenario
The Policy Digest
Your entire policy reduced to what actually matters
Insurance policies run 40-80 pages of legal language engineered to protect the carrier. MyPolicyShield strips that down to a structured summary of every number that affects your claim - deductibles, per-occurrence limits, sublimits, and exclusions - organized by category.
- +Every deductible extracted and labeled
- +Coverage limits by category in plain English
- +All exclusions listed and explained
- +Active riders and endorsements identified
- +Key findings flagged for immediate attention
Common Questions
Frequently asked questions
Is my uploaded policy document secure?
Yes. All documents are encrypted with AES-256 at rest and in transit. We automatically redact sensitive identifiers (SSNs, account numbers) before any AI processing. We never sell or share your data.
Is this legal advice?
No. MyPolicyShield provides educational analysis of your policy text. All outputs include a clear disclaimer. For legal disputes with your carrier, consult a licensed attorney or public adjuster.
What file types can I upload?
PDF is the primary format and covers 99% of insurance policies. Support for image-based scans (JPG, PNG) is coming in the next release.
Can I analyze more than one policy?
Free accounts include one policy scan. Premium ($14.99/year) includes unlimited scans, letting you analyze all your policies and compare coverage.
Do you actually know what your policy covers?
Most people find out what is not covered the moment they file a claim. MyPolicyShield gives you that answer today - for free.
No credit card required. 1 free policy scan included.