Upload your policy PDF. We'll compare your rates against your neighbors and flag the coverage gaps your insurer didn't mention.
watching 1,402 policies this week · free forever
From PDF to plain English in about a minute.
Drag in the PDF your insurer sent you. Anything from State Farm, Allstate, USAA — Hoot reads them all.
We pull out your premium, deductibles, roof settlement type, and every clause worth knowing about.
Compare your policy against real people on your block. Spot gaps, overcharges, and coverage you didn't know you were missing.
ACV vs. replacement cost — the single line item that decides whether you get a new roof or a check for a used one.
Wind, hail, hurricane, and standard deductibles vary wildly. We'll tell you if yours are quietly stacked against you.
Water backup, ordinance-and-law, personal property limits — the exclusions that catch people at claim time.
Anonymous premium data from real homeowners on your block. See where you land before renewal.
Not a trial. Not a freemium. Just free.
Not to insurers, not to brokers, not to anyone.
Download it, delete it, take it with you. Any time.
We work for you. The insurance industry does not fund us.
The more of us who share, the smarter every quote becomes. Your data is anonymized and used only to help the neighborhood.
Takes about a minute. Free forever. And Hoot never tells.