Your carrier changed your rate. Did you notice?
Most carriers make small changes every renewal cycle. A 4% increase here, a removed discount there. Over 2-3 renewals, it adds up to hundreds.
Renewals are designed to go unread.
Your renewal arrives 30 days before it takes effect. It's 40 pages of the same-looking document. The rate changed, but the number is buried on page 3 in a table that looks identical to last year's.
Nobody compares their renewal to last year's version page by page. That's the point. Your carrier knows you won't catch a 5% increase spread across three line items. Multiply that across auto, home, and umbrella, and you're looking at $400-500 per year in rate creep you never approved.
Rate creep compounds. That's the business model.
Insurance pricing isn't static. Carriers adjust rates at every renewal based on claims trends, risk models, and competitive positioning. Small increases feel reasonable in isolation. But they compound.
A 5% annual increase on a $3,000 home policy means you're paying $3,800 after 5 years. Zero claims. Same house. Same coverage. That's $800 per year more than where you started. Across your full portfolio, the gap widens faster.
5%
Typical annual rate increase on a stable policy with no claims.
$400-500
Annual cost of rate creep across a typical 3-policy household.
$2,000+
Cumulative overpayment after 5 years of uncontested renewals.
Upload each renewal. See exactly what changed.
Every time you get a renewal, upload it. We compare it against your previous version and flag exactly what's different. Rate changes, coverage adjustments, discounts that appeared or disappeared.
No more reading 40-page documents side by side. No more wondering if 4% is normal or if you should be shopping. You get a clear summary of what moved and by how much.
Rate change detection
See every premium change, broken down by line item. Know exactly where your money went.
Discount tracking
Discounts disappear quietly. We track which ones you had and which ones are missing on the new version.
Coverage shift alerts
Deductibles, limits, and exclusions can change at renewal. We flag anything that moved so nothing slips through.
Year-over-year trends
After 2-3 renewals, you see the full trajectory. Are your rates climbing steadily or holding? Now you know.
What 3 renewals look like.
A homeowner uploads their policy in 2024 at $2,800. Renewal comes in 2025 at $3,080. That's a 10% increase, but the declaration page just shows the new number. No context.
With Policy Penguin, they see the breakdown: base rate up 6%, a good driver discount was removed (worth $120), and the deductible was lowered from $2,500 to $1,000 (which they didn't ask for). The "10% increase" is actually three separate decisions, two of which they can push back on.
By the third renewal, they have the full picture. Rates are up 22% over 3 years with zero claims. That's the data you need to have a real conversation with your agent or start shopping.
See it for yourself.
Upload your policies free. Auto, home, umbrella. No credit card. No commitment.