They Thought They Were Fully Insured... The Fire Proved Otherwise.
Most homeowners never realize how underinsured they are — until disaster strikes. My Policy Advocate™ helps you understand your coverage before you need it.
The Chen Family’s $800,000 Loss*
David and Sarah Chen purchased their $1.9 million home in a fire-prone area in 2017. Their agent set the Coverage A—Dwelling at the purchase price, and they never rechecked it. By 2025, rebuilding costs in Marin had surged to $2.7 million. When a record wildfire destroyed their home, the insurer only paid the limit of $1,900,000 leaving an $800,000 gap, losing their ability to rebuild in their community.
Potential Denial (The Gap):
The policy limit was frozen in the past. The Chens were effectively uninsured for nearly a third of their home's true rebuild value.
Risk Identified by My Policy Advocate:
Outdated Dwelling Limit—never reviewed since purchase.
Policy Language:
"SECTION I – PROPERTY COVERAGES, COVERAGE A – DWELLING … The limit for this coverage is $1,900,000. This is the most we will pay for loss to the dwelling.”
Discovery by Clara, our Ai Assistant:
Clara reads every line of your policy and detects coverage limits that don’t match regional rebuilding averages. If your coverage is outdated or below local estimates, Clara flags it for review before disaster strikes.
Questions to Ask Your Agent:
- Can we run a fresh Replacement Cost Estimate based on today’s construction rates and city codes?
- Does my policy include extended or guaranteed replacement cost coverage?
- How does my insurer calculate rebuilding inflation each year?
* This scenario described is fictious and is solely for illustrative or educational purposes so the insured has the opportunity to discuss these issues with their licensed insurance producer.
Why My Policy Advocate
We Read Every Line So You Don’t Have To.
- Upload your policies (PDFs or insurer downloads).
- Our AI assistant, Clara, analyzes every line for outdated limits, exclusions, or risky endorsements.
- You get a clear summary and renewal reminders that help prevent coverage gaps.
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Each month, My Policy Advocate™ donates $100,000 to disaster-impacted communities. Members vote on where funds go — because true advocacy means Paying it Forward.
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For Educational Purposes Only: My Policy Advocate is an educational platform, not a licensed insurance agent, broker, or financial advisor. We do not sell insurance or provide legal, financial, or tax advice. Our goal is to help you understand your existing policies.
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