Start free

Every insurance policy you own, and what changed at renewal.

Halfstone keeps your household's auto, home, and other policies in one place, and puts each renewal next to last term, line by line.

Start freeSee a Renewal Review

No quotes, no agents, no commissions. The Renewal Review comes with Plus.

ExampleAuto policy, renewed March 143 lines changed

Last term

Declarations page

Mar 14, 2025 to Mar 14, 2026

Premium, 12 months
$1,212
Bodily injury liability
$100,000 / $300,000
Property damage liability
$100,000
Collision deductible
$500
Comprehensive deductible
$500
Uninsured motorist
$100,000 / $300,000
Medical payments
$5,000
Rental reimbursement
$30 a day
Roadside assistance
Included

Page 1 of 3

This term

Declarations page

Mar 14, 2026 to Mar 14, 2027

Premium, 12 months
was $1,212$1,390
Bodily injury liability
$100,000 / $300,000
Property damage liability
$100,000
Collision deductible
was $500$1,000
Comprehensive deductible
$500
Uninsured motorist
$100,000 / $300,000
Medical payments
$5,000
Rental reimbursement
was $30 a dayRemoved
Roadside assistance
Included

Page 1 of 3

Example numbers. Three lines moved this term; every other line matches last term.

This term next to last term, line by line

Every line of the new declarations page sits beside the same line from last term. Tap a line to read what it means before you call your carrier.

Changed this term

ExampleRenewal Review: auto policy3 lines changed
  • The price of the policy for one term, usually six or twelve months. It can be paid at once or in installments. The renewal packet lists the new premium for the coming term.
  • What the policy pays if you injure someone else in a crash. Two numbers mean a limit per person and a limit per accident, so $100,000 / $300,000 caps one person at $100,000.
  • What the policy pays for damage you cause to someone else's car, fence, or building. It is one limit per accident and does not pay for your own car.
  • The part of a collision repair you pay before the policy pays the rest. At $1,000, a $3,200 repair means you pay the first $1,000.
  • What you pay first when the car is damaged by something other than a crash: hail, theft, a falling branch, a deer. It is often set apart from the collision deductible.
  • Pays for your injuries when the other driver has no insurance or too little of it. The two numbers work like bodily injury: per person, then per accident.
  • Pays medical bills for you and your passengers after a crash, whoever caused it, up to the limit shown. Some states call a similar line personal injury protection.
  • Pays toward a rental car while yours is in the shop for a covered repair, up to a daily amount and a number of days. When it is removed, the line disappears or reads "not included".
  • Towing, a jump start, a tire change, or a lockout call, up to the amount the policy lists. It is usually a small add-on to the premium.
Example numbers. A real Review uses the lines on your own declarations pages.

All your household's policies on one page

Premium, the deductible or limit that matters most, and the next renewal date for each policy, so nobody has to open the drawer to find out.

Example4 policies, $4,616 a year

  • Home

    Homeowners policy

    Premium
    $2,460 a year
    Wind and hail deductible
    2% ($8,000)
    Renews
    Nov 20, 2026

    Renews next

  • Umbrella

    Personal umbrella

    Premium
    $310 a year
    Limit
    $1,000,000
    Renews
    Nov 20, 2026

    Renews next

  • Auto

    Two cars

    Premium
    $1,390 a year
    Collision deductible
    $1,000
    Renews
    Mar 14, 2027

  • Term life

    20-year level term

    Premium
    $38 a month
    Death benefit
    $500,000
    Term ends
    Aug 12, 2041
Example numbers for a household with a house, two cars, an umbrella, and a term life policy.

How it works: add, get a heads-up, review

  1. Add a declarations page

    Upload the page or type in the key numbers: premium, limits, deductibles, endorsements, and the renewal date.

  2. Get a heads-up

    A reminder arrives well before each policy renews, with time to read the new packet before it takes effect.

  3. Review the renewal

    Add the new page when it comes. This term sits next to last term, and every line that moved is marked.

More on how it works
A couple at a dining table in the evening, two short stacks of papers face down between them under a lamp.
Two terms, one page each. The Review marks every line that moved.

A plain-English note on every line

Insurance words are used, then explained. Tap a term from a home policy to read what it means.

  • The summary page at the front of a policy: who and what is insured, the term dates, each limit and deductible, the endorsements, and the premium. A new one comes with every renewal.
  • The most the policy pays to repair or rebuild the house itself. Carriers often raise it at renewal to follow building costs, which can move the premium too.
  • A separate deductible for wind or hail damage. It is either a set dollar figure or a share of the dwelling limit, so 2% on a $400,000 dwelling means the first $8,000.
  • The policy pays what it costs to replace an item with a new one of like kind. Actual cash value, the other common option, takes off for age and wear first.
  • A change to the standard policy that adds, removes, or adjusts coverage. Endorsements are listed by form number and name on the declarations page or a schedule attached to it.
  • An add-on that covers water coming up through a drain or sump pump. A standard home policy often leaves it out, so it is listed on its own line when it is there.

What Halfstone won't do: no quotes, no agents, no commissions

  • No quotes

    Halfstone does not quote rates or sell policies.

  • No agents

    Nobody calls you, and no agent or carrier gets your name.

  • No commissions

    No referral fees or partner payments. Subscriptions are the whole business.

  • No coverage calls

    It never says whether a loss is covered or what to change.

Halfstone is organizing software, not an insurance company, agent, broker, or advisor. It explains what a line on your policy means. What to buy, what to change, and whether a loss is covered stay between you and your carrier.

From households using Halfstone

Stories are illustrative.

  • Our home renewal looked the same as always until the Review showed the wind and hail deductible had become a percentage. I called the carrier that week with one clear question.

    Dana R., Omaha

  • Two cars, the house, an umbrella, and a life policy were spread across three inboxes. Now they sit on one page with their dates, and my husband sees the same page.

    Priya S., Raleigh

  • Rental reimbursement had dropped off our auto policy. I would never have caught that reading the packet. In the Review it was a changed line.

    Marcus T., Boise

Written up in Geeker Mag, Everybody Loves Your Money, and Top Inspired. Read the headlines

Free to start, $5 a month for the Renewal Review

Free has the household view and renewal reminders. Halfstone Plus adds the Renewal Review.

Free

$0

  • Up to two policies
  • The household view
  • Renewal reminders
Start free

Halfstone Plus

$5 a month or $48 a year

  • Unlimited policies
  • The Renewal Review, side by side, at every renewal
  • A shared household account for two people
  • A one-page policy summary to download and keep
Choose Plus

The Free plan is not a trial and has no end date. Plus is billed monthly or yearly, and you can cancel it whenever you like.

Compare the plans

Guides for the renewal surprise

Questions people ask

Why did my premium go up?

The Review shows which lines moved between terms. The reason behind a price change is your carrier's to explain, so Halfstone lists the changed lines worth asking about.

Did my deductible change?

Every deductible sits next to last term's, including a wind or hail deductible that went from a flat amount to a percentage.

Did I lose coverage?

A removed endorsement or a lowered limit shows as a changed line, with last term's value beside it. Halfstone shows the change. Whether a loss would be covered is a question for your carrier.

Is this another way to sell me insurance?

No. Halfstone does not quote rates, work with agents, or take commissions or referral fees.

What happens to my documents?

They are used to show your policies to you. Halfstone never sells them or shares them with agents or carriers.

Start with the policy that renews next

Add one declarations page. The household view and renewal reminders are free for up to two policies.

Start freeSee pricing