Covrabl
Covrabl
COVRABL

Finally understand what your insurance actually covers — and verify it holds up.

Covrabl analyzes your policies, shows you what's covered, what isn't, and verifies your coverage against real requirements.

No legal jargon. No 200-page documents. Just clear explanations of what you're actually covered for.

Free for up to 3 policies. No credit card required.

Not an insurance companyWe never sell insuranceYour data stays yours
Works across all your insurance — home, auto, umbrella, business, specialty, and more.
See how layered coverage becomes visible in seconds
app.covrabl.com
⬆️
Drop any policy here
Personal, commercial, or professional
1/6Upload any policy — personal or business

Know if you're actually compliant

Upload a lease, loan agreement, or contract. Covrabl compares your actual coverage against the requirements — and tells you exactly where you stand.

Certificates don't guarantee coverage. Covrabl verifies the actual policy.

Lease Compliance Checkvs. Hartford GL Policy
General Liability ≥ $1,000,000
Verified
Additional Insured endorsement
Verified
Workers’ Compensation coverage
Not Found
?Waiver of Subrogation
Unclear
Property Damage ≥ $500,000
Verified
1 requirement failed, 1 unclear. Review needed before this coverage meets your lease terms.

Gaps your policy won't tell you about

Most people think they're covered — until they actually check. These are real gaps Covrabl users found in their policies.

⚠️

Umbrella requires higher auto limits

Your umbrella policy requires $500K auto liability, but your auto policy only has $300K. A claim over $300K would leave you exposed.

🏠

Home replacement below rebuild cost

Your dwelling coverage is $320K, but construction costs in your area suggest $410K to rebuild. A total loss could leave a $90K gap.

🏢

Rental property excluded from umbrella

Your rental property liability isn't listed as an underlying policy on your umbrella. A tenant lawsuit could bypass your excess coverage entirely.

How it works

Upload any policy — personal or business. Covrabl reads it, explains what it covers in plain English, and checks it against your real requirements.

Step 1

Add your insurance in seconds

Forward a policy email or upload a PDF. Covrabl reads your documents and extracts carrier, limits, deductibles, renewal dates, and more — automatically.

📧
Fwd: Your policy renewal
From: insurance@statefarm.com
Extracted
📄
auto-policy-2026.pdf
Uploaded just now
Extracted
Carrier
State Farm
Policy #
SF-8834201
Coverage
$500K / $1M
Deductible
$500
Renewal
Mar 14, 2026
Type
Auto
Step 2

AI insights you can act on

Complex policies are translated into clear, color-coded coverage you can actually understand. Your Coverage Overview shows where you're strong, where you're exposed, and gives you specific questions to ask your agent — without reading a single page of legalese.

Every answer is based on your actual uploaded documents — not generic AI.

Auto — State Farm
Policy SF-8834201
Active
Liability
$500K/$1M
Good
Comprehensive
$500 ded
Good
Collision
$500 ded
Good
AI Insights
GAPNo umbrella policy — your $500K auto liability may not cover a serious lawsuit
NOTEYour total coverage may not be sufficient for current replacement costs
TIPAdding roadside assistance would cost ~$20/yr on your auto policy
Step 3

Your insurance expert, on demand

Not a generic chatbot — it reads your actual policy documents and gives answers specific to your coverage. No more calling your agent for basic questions.

Am I covered if my basement floods?What’s my deductible for a fender bender?Does my policy cover rental cars?What happens if I miss a payment?
💬Policy InsightsBased on your policies
Am I covered if a tree falls on my car?
Yes. Your State Farm auto policy includes comprehensive coverage with a $500 deductible. This covers damage from falling objects, including trees.
File a claim: 1-800-732-5246
Ask about your coverage...
Step 4

Stay ahead automatically

Renewal reminders, premium changes, and coverage shifts — Covrabl watches your policies so you don't have to. You'll know about changes before they become surprises.

🔔
Renewal in 18 days
Home — Allstate · Renews Mar 14, 2026
Upcoming
Premium increased 12%
Auto — State Farm · $1,840 → $2,060/yr
Changed
All 5 policies active
No coverage gaps detected
Next renewal: 18 days

People are finding gaps they didn't know they had

Real coverage insights from real users.

I had no idea my home policy excluded flood damage. Found it in 30 seconds.

Homeowner, 3 policies

Saved $340/yr by spotting a duplicate coverage between my auto and umbrella policies.

Family, 5 policies

My agent was impressed I could explain exactly what my coverage gaps were.

Small business, 7 policies
500+
Policies analyzed
200+
Gaps identified
15+
Policy types supported
Emergency Access

When something happens, instantly see everything you need.

Policy numbers. Claim phone numbers. Coverage summary. Next steps. All in one place — no digging through email or filing cabinets. This is the feature people keep the app installed for.

Instant access — no login required in emergencies
Shareable with family via secure PIN
Step-by-step emergency checklists for every policy type
Works offline — even without cell service
🆘Emergency Coverage CardActive
Shared with Sarah M. · Last updated today
🚗AutoState Farm1-800-732-5246
🏠HomeAllstate1-800-255-7828
❤️HealthBlue Cross1-800-262-2583
📋Step-by-step emergency checklists included for each policy

Built for privacy. Designed for clarity.

Your insurance data is sensitive. We treat it that way.

🔒

Encrypted everywhere

Bank-level AES-256 encryption in transit and at rest. Your documents are always protected.

🛡️

Your data stays yours

We never sell, share, or monetize your information. No ads, no data deals, no third parties.

📖

Plain-language extraction

No insurance jargon. See what matters in words you actually understand.

🚫

No external data

We only analyze documents you upload. No scraping, no assumptions, no outside sources.

Why we built Covrabl

We got tired of the same experience everyone has:
Paying thousands each year for insurance and not really knowing what's covered.

Digging through 40-page PDF policies written in legal language.
Calling your agent to ask basic questions.
Scrambling for a policy number during an emergency.

Insurance is too important to feel this unclear.

Covrabl exists to turn dense policy documents into an intelligent coverage picture — a clear health overview that shows where you stand, where the gaps are, and what to discuss with your agent.

Built by real estate investors and operators who needed this ourselves.

— The Covrabl Team

Frequently asked questions

Stop guessing. Start verifying.

See what your insurance actually covers — and verify it holds up when it matters.

Free for up to 3 policies. No credit card required.
Your data is encrypted and never shared or sold.