Guardian Membership

Most people only think about insurance
when something goes wrong.

Guardian members never have to.

Step 1 — Your Policy Vault

Upload your declarations page. Get answers about your actual policy.

The Professor reads every word. Your specific limits. Your deductible structure. Your state's statutory requirements. Then tells you exactly what you have, what you're missing, and what it means — with statute citations — in 60 seconds.

OK

Hurricane Deductible

2% confirmed — FL §627.701

GAP

Ordinance or Law Coverage

Not found — FL §627.706 requires code upgrade coverage

GAP

Flood Coverage

CRITICAL: Flood excluded, no NFIP policy documented

CHK

Wind Mitigation Credits

No credits found — FL §627.0629 discounts may apply

Covers FL, TX, CA and 34 more states · Documents encrypted · Never shared · Delete anytime

Go to your Policy Vault →
Your Policy Cycle — All 8 Stages
1
Policy Onboarding
Upload your declarations page. The Professor reads every word and tells you what you have, what you're missing, and what to fix.
2
Active Coverage
The Professor monitors your state's regulatory environment, your carrier's health, and listens for life events that change your risk.
3
Policy Services
Inspections, loss control requirements, mid-term endorsements — the Professor tells you what's required, what the deadline is, and what happens if you miss it.
4
Claim Support
Highest Stakes
Post-loss duties, adjuster communication, settlement evaluation. The Professor stands beside you through every step — knowing your specific policy, citing the statutes that protect you.
5
Resolution
The claim is closed — but the Professor makes sure your coverage is restored, your rights are protected, and you understand what comes next.
6
Pre-Renewal Audit
Every Year, Automatically
90 days before your renewal, the Professor initiates a full audit — your coverage vs your current situation, your carrier's DOI complaint ratio, and every regulatory change in your state since your last renewal. Then drafts the questions to ask your agent.
7
Renewal Decision
Stay, shop, or negotiate. The Professor prepares your questions, evaluates your options, and makes sure you go into renewal knowing exactly what you're worth as a customer.
8
Policy Renewal
New cycle begins. The Professor resets with everything it learned — and starts watching again. Your coverage never goes unreviewed for another year.
Free during development
All 8 stages of Guardian are available at no charge while we build and test. No payment required.
Start your first cycle →
Educational service · Not licensed insurance advice