Have your Renters policy PDF ready?
Renters Insurance — CLEAR Report
Your landlord's policy covers the building. Not you.
Your CLEAR Report analyzes the exact language in your renters policy — not generic advice. Every finding is specific to your carrier, your state, and your coverage.
What We Analyze
→Personal property limit vs. actual possessions value
→ACV vs. replacement cost settlement basis
→Loss of use / additional living expenses limit
→Liability coverage limit adequacy
→High-value item sublimits (jewelry, electronics)
→Water backup and sewer endorsement
→Named perils vs. open perils form
→Roommate coverage clarification
Industry Reality Check
What the data actually shows.
55%
of renters have no renters insurance at all
$20K
average personal property loss in a rental fire
3x
more likely to be burglarized than a homeowner
1 in 4
renters believe their landlord policy covers their belongings
Common Coverage Gaps
Where renters policies typically fall short.
Three common areas where coverage often fails to match real-world exposure. Your CLEAR Report flags each of these — specific to your policy language.
Gap 01
Personal property limit vs. actual possessions value
Gap 02
ACV vs. replacement cost settlement basis
Gap 03
Loss of use / additional living expenses limit
Your Report Framework
The CLEAR Report — 5 Core Areas
Every report — regardless of policy type — covers these five pillars. Each section is populated with findings specific to your actual policy language.
C
Coverage
What is actually protected under your policy and under what conditions.
L
Limits
Where your financial caps, sublimits, and per-occurrence maximums live.
E
Exclusions
What is explicitly left out — often buried in endorsements and riders.
A
Adjustments
Endorsements, modifications, and riders that change your base coverage.
R
Risk
Your overall exposure score based on gaps, limits, and exclusion density.
Report Structure
9 Sections. Every policy. Every time.
01
Coverage Summary
Plain-English breakdown of what your policy actually covers.
02
Limits Analysis
Every financial cap mapped against real-world exposure.
03
Exclusions Review
What is left out — and what that means for your specific risk.
04
Endorsements & Adjustments
Riders and add-ons that modify your base policy terms.
05
Risk Score
Your CLEAR score: a 0–100 rating of overall policy strength.
06
Coverage Gaps
Specific areas where your coverage falls short of your exposure.
07
Carrier Flags
Known issues and patterns specific to your insurance carrier.
08
Claim Readiness
Whether your policy and documentation are ready if you need to file.
09
Questions for Your Agent
Specific questions to ask your agent based on what we found.
Ready to see what your policy actually says?
Get your Renters policy explained.
I Have My Policy — Explain It Now — $19.99One-time analysis · No subscription · No agent bias · Delivered in minutes