What grade is your insurance?
Upload your policy's declarations page. Our AI reads it, explains it in plain English, and grades how well it actually protects you — usually in under a minute.
Free scanNo account neededYour documents are never stored
Three steps. About a minute.
No account required, and we never ask for your phone number. Just answers about the policy you already pay for.
Upload your dec page
Snap a photo or upload the PDF. It's the summary page that came with your policy — usually headed “Declarations” or “Policy Summary.”
AI reads every line
Coverages, limits, and deductibles — extracted from the page and weighed against our grading rubric and real-world risk.
Get your CoverageCard
A report card for your coverage: what's solid, what's missing, and what each gap means in real life.
Every policy earns a grade.
Most people have no idea how protected they actually are. The grade makes it impossible to ignore.
And rumor has it there's a secret rank for the rare policy with no gaps at all. Almost nobody's seen it.
More than a grade.
Two more ways to make insurance make sense.
CoverageCard Checker
Auto, home, renters, or an auto + home bundle — drop in any dec page and we’ll figure out the rest.
Drop your declarations pages here
PDF or JPG/PNG photos · pick multiple files for extra pages or bundled policies
Reading your document…
What does insurance cost?
Same driver, fifty-one price tags. See the estimated average for a profile like yours — in your state, and in every other one.
State minimum (liability only) — just the coverage your state requires. It pays for injuries and damage you cause to others. It pays nothing for your own vehicle.
Liability + comp & collision — adds protection for your own vehicle: collision covers crashes, comprehensive covers theft, hail, fire, and animal strikes. You’ll often hear this called “full coverage.” No policy covers everything, so that name is misleading — but it is the term the published rate studies use, which is why it appears in the rate basis below.
Estimated averages for a similar profile — not a quote and not your price.
Advertiser disclosure: we may be paid if you get a quote through a partner link. Compensation never affects our estimates or analysis.
What does it all mean?
Every term you’ll meet on an auto, home, or renters policy — in plain English.
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Analytics
First-party and cookie-free. No personal data is collected or shown here.
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Advertiser disclosure: we may be paid if you get a quote through a partner link. Compensation never affects your grade or our analysis.
CoverageCard explains what your policy says — it doesn’t recommend or sell insurance. For coverage decisions, talk with a licensed insurance producer in your state. See our Terms of Use.
How we read your policy
Everything that left your browser and everything that came back — the same data your grade was built from.