Free • 2 minutes • No credit card

Are you overpaying for weak insurance?

Find Gaps. Cut Costs. In 30 Seconds.

60% of Americans are under-insured and overpaying. Are you protected? Could you save? Our AI tool grades your policy to show you where you're exposed and where you could be saving — Completely Free. No Sales Calls.

Free — One Question — 2 Minutes — No Credit Card

Secured byCanopy Connect

10,000+

Policies analyzed

4.9★

Average user rating

300+

Carriers supported via Canopy

PolicyPilot Coverage Report showing a 70% overall score with areas that need attention

Continuous Compliance Monitoring

256-bit AES Encryption

TLS 1.3+ in Transit

CSA STAR Level 1 APIs

Canopy Connect — 300+ Carriers

Continuous Compliance Monitoring

256-bit AES Encryption

TLS 1.3+ in Transit

CSA STAR Level 1 APIs

Canopy Connect — 300+ Carriers

How It Works

Three Simple Steps. Two Minutes. Total Clarity.

Step 1

Connect Your Insurance

Securely link your existing policy through Canopy Connect. We never see your login credentials.

Step 2

Let AI Analyze It

Our AI checks every line against industry benchmarks to find gaps, overlaps, and pricing issues.

Step 3

Get Your PolicyPilot Score

Receive a clear grade, actionable insights, and a shareable PDF report in minutes.

Before & After

See what PolicyPilot reveals.

Most people think their coverage is fine — until they see the gaps.

Before PolicyPilot

Hidden gaps, unknown risks

Score

49%

Home

61%

Auto

36%

Bodily Injury

$25k/$50k

1/5

State minimum only. Won't cover most serious injuries.

Property Damage

$15,000

1/5

Below recommended levels for modern vehicle damage.

Uninsured/Underinsured Motorist

$25k/$50k

1/5

Matches state minimum. Leaves you exposed if hit by uninsured driver.

Medical Payments

$1,000

2/5

Won't cover an ER visit. Should be at least $5,000.

Collision Deductible

$1,000

3/5

Higher than ideal for your vehicle's current value.

Comprehensive Deductible

$1,000

3/5

Consider lowering to $500 for better theft/weather protection.

After PolicyPilot

Gaps fixed, fully protected

Score

95%

Home

93%

Auto

96%

Bodily Injury

$250k/$500k

5/5

Well above state minimums. Strong injury protection.

Property Damage

$100,000

5/5

Covers most accident damage scenarios comfortably.

Uninsured/Underinsured Motorist

$250k/$500k

5/5

Matches your liability limits. Full protection from uninsured drivers.

Medical Payments

$5,000

4/5

Covers most ER visits and immediate medical costs.

Collision Deductible

$500

5/5

Appropriate and affordable for your vehicle value.

Comprehensive Deductible

$250

5/5

Low deductible for theft, weather, and animal damage.

Completely free. No credit card required.

Sample Policy Report showing coverage grade, gaps found, price check, and recommendations

The PolicyPilot Score

A single score that explains your entire policy.

We distill complex coverage into a clear grade and practical guidance you can act on today.

Coverage grade (0-100%)

A simple, objective rating of how protected you really are.

Gap analysis

Flagged exposures that could lead to uncovered losses.

Price comparison

Benchmarks your premium against similar homes and policies.

Personalized recommendations

Actionable steps to improve protection or reduce cost.

Bank-level security, built in.

PolicyPilot is powered by Canopy Connect and designed to meet the highest data privacy standards.

Security

Canopy Connect partnership

Securely connects to 300+ carriers with industry-leading infrastructure.

Security

We never see your login credentials

You authenticate directly with your carrier through Canopy Connect.

Security

Your data stays protected

Your information is handled securely and in accordance with our privacy policy.

256-bit SSLData EncryptionGDPR Ready

Trusted by homeowners and renters nationwide.

Clear, unbiased insurance insights designed for real people — not policy experts.

4.9from 500+ reviews

“I was shocked to find out how underinsured I really was and the risks associated.”

Tucker G.Verified

Renter, Scottsdale, AZ · 2 weeks ago

“I had two auto policies and figured they were both fine. Policy Pilot showed me one was way underinsured — I had no idea until I saw the report.”

Brandon P.Verified

Auto Policy Holder, Scottsdale, AZ · 1 month ago

“Quick and easy. Now I actually know what my renters insurance covers.”

Tom D.Verified

Renter, Scottsdale, AZ · 3 weeks ago

Questions, answered.

Everything you need to know before you start.

Yes — Policy Pilot is completely free to use. You simply upload your current insurance policy, and we analyze the coverage to show you where you might be overpaying or underinsured. There's no cost, no commitment, and no obligation to switch. Our goal is to help everybody have a better understanding of their insurance policy.

Policy Pilot uses Canopy Connect to securely connect to your insurance account. You simply log in to your current carrier through their encrypted portal, and your policy data is shared with us directly from the carrier. We never ask for PDFs or manual uploads when a secure connection is available.

Policy Pilot currently analyzes home, auto, and renters insurance policies. Our AI reviews your coverage limits, deductibles, and key protections to identify gaps or areas where you may be overpaying. The goal is to give you a simple, easy-to-understand grade for your coverage.

No. Policy Pilot will never sell your information or send your data to multiple agents. An insurance agent will only contact you if you specifically request help or ask to review quotes.

Our AI has been trained by licensed agents using thousands of policies and uses carrier-standard coverage benchmarks. While no automated analysis replaces professional advice, our scores consistently identify real coverage gaps and savings opportunities.

Yes. Your Policy Pilot report can easily be shared with your current insurance agent for review. Many users use the report as a starting point to discuss coverage improvements or potential savings.

Free analysis in 2 minutes

Get clarity on your insurance — instantly.

Join thousands of homeowners and renters using PolicyPilot to uncover coverage gaps and savings.

Completely freeNo credit cardPrivate & secure

PolicyPilot