PolicyOwl

PolicyOwl is a free, AI-powered insurance policy audit designed to help you finally understand your insurance coverage. By analyzing your actual insurance documents, PolicyOwl breaks down complex policy language into clear, plain English and shows you exactly what you’re covered for — and what you’re not.

In minutes, PolicyOwl reviews your policy to identify coverage gaps, overlapping coverage, exclusions, and potentially unnecessary add-ons that could be costing you money. Instead of guessing or relying on confusing policy summaries, you get an objective, data-driven audit tailored specifically to your policy.

PolicyOwl works across major insurance types, including auto, home, renters, and life insurance. Simply upload your policy, answer a few optional questions to refine the analysis, and receive a personalized breakdown of your coverage along with actionable recommendations to improve protection, reduce waste, or ask smarter questions before renewing or switching providers.

Best of all, PolicyOwl is 100% free and completely unbiased. It doesn’t sell insurance or push specific providers. Its only goal is to give you clarity and confidence, so you can make better insurance decisions with less effort and less stress.

Whether you’re reviewing a new policy, preparing for renewal, or just want peace of mind, PolicyOwl gives you a smarter way to audit your insurance — powered by AI, built for consumers.