Personal Insurance Intelligence

Your insurance, finally clear.

Upload your policies and see everything: coverage gaps, missing discounts, rate changes, and the full picture across every carrier. Your intel, portable and independent.

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Files never stored
2-min check
100% independent
Policy Penguin dashboard showing policy insights, coverage details, and premium comparison
What You Get

Built for people with real insurance complexity

Multiple vehicles, properties, carriers, and renewals? We built this for you.

Policy Insights

See what your insurer isn't telling you

Coverage gaps, hidden fees, unnecessary add-ons. All surfaced automatically. We read every page so you don't have to.

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Discount Finder

Money you're leaving on the table

We cross-reference your policy against known discounts you may qualify for. Most people are missing at least two.

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Renewal Tracking

Your carrier changed your rate. Did you notice?

Upload each renewal and see exactly what changed. Rate increases, dropped discounts, coverage shifts. Over 2-3 renewals, the pattern becomes clear.

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Portfolio Tracker

All your insurance in one place

Track every policy, every renewal, every rate change across all your carriers. See what changed between renewals. Stop managing insurance in spreadsheets.

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"Why not just use ChatGPT?"

General AI can summarize your policy. It can't cross-reference your auto liability with your umbrella requirements, track what changed between renewals, or tell you which carrier-specific discounts you're missing. That takes domain knowledge, not just language skills.

See how it works
Who It's For

Built for people managing real insurance complexity

Not single-policy shoppers. People with portfolios.

Multi-policy households

You have auto, home, umbrella, and maybe a boat or RV. You're across 2-3 carriers with renewals scattered throughout the year.

One dashboard for every policy. See your total spend, track renewal dates, and catch rate changes before they hit.

Rate-conscious homeowners

Your renewal came in 12% higher and you don't know if that's normal. You want to know when to push back and when to shop.

Rate benchmarking, renewal alerts, and historical trend tracking so you never accept a bad renewal blind.

Portfolio optimizers

You're paying $10K+ per year in premiums and want to make sure your coverage fits, your discounts are applied, and nothing's falling through the cracks.

Coverage gap analysis, discount discovery, and year-over-year spend tracking across your entire portfolio.

How It Works

Three steps. Two minutes. Total clarity.

1

Upload

Drop in your policy PDFs. Auto, home, umbrella, whatever you've got.

2

Analyze

Our AI reads every page and extracts what matters. Files are processed and deleted.

3

Insights

Get the full picture: fees, discounts, gaps, and recommendations. Instantly.

Built on patent-pending analysis technology

Pricing

Start free. Upgrade when you're ready.

Upload your household free. Upgrade when you want to track renewals.

Free

$0

Upload your household. See the full picture.

  • Up to 3 policies
  • All 4 insight modules
  • Cross-policy analysis

Plus

$49/yr

Track every renewal. Catch every change.

  • Unlimited policies
  • Renewal version tracking
  • Rate change alerts

Pro

$199/yr

Full portfolio intelligence. Always on.

  • Everything in Plus
  • Annual auto-shopping
  • Coverage optimization recs

See what you've been missing.

Upload your policies free. No credit card. No commitment.