Not an insurer. We sell no policies and never share your data.
A flood map, a hail climatology, a recall feed, your own declarations page. Each one is public or yours already. The work was never getting access — it was knowing the list existed, and checking it more than once.
A ZIP code. An email address. Optionally a declarations page and the products you own. That is the whole input, and each one opens a different set of the sources below.
Check every source that applies, keep the answer with the source and date attached, and check again on a schedule. A source that cannot answer for you says so rather than being averaged over.
Pull your credit, buy broker data, store a street address, or move anything across the wall between health, privacy and insurance. The full list is further down this page.
Last reviewed November 2, 2026.
Here they are with their front doors. If you check them yourself once a year, you have most of what we do — and we would rather say that than let you find out later. What you are paying us for, when paid plans exist, is the second year and the third: the same checks run again without you remembering to, against a record of what they said last time.
Not hard, not soft, not once. We ask whether a freeze is in place; we never look at the file behind it.
We check whether brokers list you so you can get removed. We have never been a customer of one and will not become one.
ZIP and county, because flood zone and hail frequency need them. Properties are told apart by whatever you choose to call them.
Health is excluded from insurance analysis, comparison and routing at the database level, not by policy.
No carrier, broker or agency receives anything about you unless you hand it to them at an action you chose.
No ad pixels on scored surfaces, no location history, no purchase-history inference. The products we know about are the ones you told us.
We record that a baseline exists and when. We never interpret it, trend it, or let it touch any other score.
A number we cannot point at a source for is discarded and logged, however plausible it looks. This is the rule the whole product rests on.
Next to the number, on the screen where it renders. A figure whose source cannot be named does not render at all.
Claim frequencies are per insured house-year and say so. We do not convert a population figure into a personal probability, because it is not one.
Consumer-facing statistics come from a separate seeded registry with source, version, tier and population attached. Internal risk statistics never reach a screen.
When a source cannot answer for your household, the finding says so and the domain goes unscored. Nothing is imputed to make a page look complete.