Named Storm Deductibles
Many Florida and coastal policies sneak in 5% hurricane deductibles — that's $15,000+ out of pocket before your insurance pays anything.
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Check what your insurance policy actually covers in 30 seconds.
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Here's exactly what your $9.99 gets you.
No fluff, no hedging. A specific verdict and a copy-paste script you can use the same day.
- Plain-English breakdown — no jargon, no legalese
- Specific dollar amounts, not vague ranges
- Copy-paste scripts you can send the same day
- Delivered in about 30 seconds
C+
Policy Grade: C+
Adequate base coverage but significant gaps in flood, sewer backup, and high wind/hail deductibles that could leave you exposed.
Covered
✓Fire, lightning, and explosion damage
✓Theft and vandalism up to dwelling value
✓Temporary housing up to 12 months if displaced
Not Covered
✗Flood damage of any kind — including storm surge
✗Sewer or drain backup (requires $50/yr endorsement)
✗Earthquake, sinkhole, or earth movement
Top Gotchas
⚠Named storm deductible is 5% ($19,250) — not the standard $2,500
⚠Jewelry capped at $1,500 per incident — most engagement rings exceed this
⚠Claims must be filed within 60 days or they can deny you entirely
How FineRead actually works
A purpose-built analysis pipeline — frontier AI, a specialist prompt, and a structured report you can act on the same day.
Step 1
Paste
Copy your insurance policy text into the analyzer
Step 2
Analyze
AI reads every clause, exclusion, and condition
Step 3
Understand
Get your grade, gaps, gotchas, and plain English breakdown
What's under the hood
Frontier-grade AI
Built on state-of-the-art reasoning models — the same class of AI used for research-grade analysis.
Specialist prompt
Tuned for instant insurance policy analysis by domain experts — not a generic “help me with this”.
Structured output
Every report has the same shape: verdict, specific numbers, and a copy-paste script. Never freeform chat.
Privacy-first
Sent for the one analysis, then discarded. Never stored, never trained on, never sold.
12%
of homeowner claims were denied in 2023
Source: III
41%
Americans are underinsured against flood risk
Source: FEMA
64%
of homeowners have never fully read their policy
Source: Insurance Research Council
The traps hiding in your insurance policy
Six things FineRead catches that most people miss.
Jewelry & Valuables Caps
Standard homeowner's policies cap jewelry at $1,500 per incident. If your engagement ring costs more, a single loss could leave you uncovered.
Sewer Backup Exclusions
Nearly all standard policies exclude sewer and drain backup — a $10,000+ claim waiting to happen. A $50/year endorsement fixes this.
Dog Breed Liability
Pit bulls, rottweilers, and wolf hybrids are often excluded entirely from liability coverage. One bite could mean a six-figure lawsuit you pay out of pocket.
Short Claim Windows
Some policies require claims within 30-60 days of loss — not discovery. Miss the window and your claim is dead on arrival.
Home Business Exclusions
If you work from home, most policies exclude business equipment, client visits, and liability. One slip-and-fall and you're personally liable.
Early user feedback
What users are saying
FineRead is new — these are notes from our first users. Real customer reviews will replace this block once we have three or more.
“I've had this policy for 6 years and never noticed the 5% hurricane deductible until FineRead flagged it. Five percent of my dwelling coverage is $19,250 — that's what I'd owe before my insurance kicked in for any storm damage. Called my agent the next morning.”
Sarah M.
Homeowner in Galveston, TX
“I figured $9.99 wasn't going to beat my agent. It found three things he never mentioned: the jewelry cap, the dog breed exclusion, and that I was two tiers under-insured on replacement cost. The replacement cost gap alone would have cost me an estimated $42,000 if my house burned down.”
Marcus D.
First-time homebuyer
“My renters policy said 'water damage' was covered. What it actually meant was very specific — not from upstairs neighbors, not from city water mains. FineRead caught it and told me exactly what endorsement to add. $30/year fix on a policy that would have left me with a $9,000 loss.”
Priya R.
Renter in Brooklyn
Built for anyone who's been burned by fine print
Six common situations where FineRead pays for itself.
Homeowners & Condo
Decode your HO-3, HO-5, HO-6, or condo policy before disaster strikes — find the gaps your agent didn't mention.
Renters
Know if your renters insurance actually protects your stuff — and exactly what's excluded.
Drivers
Decode your auto policy: collision, comprehensive, liability limits, uninsured motorist, and rental coverage.
Health & Disability
Understand your deductible, out-of-pocket max, in/out of network rules, and what's excluded — before you need care.
Small Business
General liability, E&O, BOP, cyber — find the coverage gaps that could sink you in a single claim.
Claim Disputes
Read what your policy actually says before you file — know exactly what they can and can't deny.
One payment. One report. Done.
No account, no subscription, no surprises. Pay $9.99, get your report, walk away.
- Plain-English coverage breakdown by section
- Specific gotchas with dollar amounts
- Action items with the exact endorsements to add
- Full report in about 30 seconds
- No account, no signup, no upsells
- Your data is never stored
- Instant download — no waiting on email
$9.99
per analysis · one-time
Scan My Policy — $9.99Secure payment via Stripe. One-time charge, no subscription.
Frequently asked questions
Everything you might be wondering before paying.
How does FineRead work?
Upload or paste your insurance policy text. Our AI reads every clause, exclusion, and condition, then gives you a plain English breakdown: what's covered, what's not, the top gotchas you'd miss, and an overall grade A through F. Takes about 30 seconds.
Is my insurance data safe?
Yes. Your policy text is sent to the AI for analysis and is not stored in our database. We don't save, share, or sell your information. Your analysis is for you only.
Can I upload a PDF of my policy?
Yes — FineRead accepts PDF, Word (.docx), TXT files, and even photos or screenshots of paper policies. Just drag and drop or click to browse. Max file size is 10MB.
How accurate is the AI analysis?
FineRead uses Claude, one of the most advanced AI models available. It identifies coverage gaps, exclusions, and hidden terms with high accuracy. However, it's a decision-support tool — for binding advice, always consult a licensed insurance agent or attorney.
What types of insurance can it analyze?
Homeowners (HO-3, HO-5, HO-6), renters, auto, condo, landlord, umbrella liability, and most personal lines policies. It also works with business and health insurance, though results are most detailed for personal lines.
How much does it cost?
A single policy analysis is $9.99. One-time payment, no account, no subscription. You pay, you get your report, you're done.
Can FineRead replace my insurance agent?
No — FineRead is a second opinion, not a replacement for professional advice. It helps you understand what you're paying for and spot gaps before you need to file a claim. Use it alongside, not instead of, a licensed agent.