About Halfstone
The half of insurance people skip is the upkeep
Halfstone is organizing software for a household's insurance policies. It keeps them in one place and shows what changed each time one renews.
Why Halfstone exists
Most people read their insurance once, when they buy it. After that a renewal packet arrives every six or twelve months. The premium moves. A deductible goes from $500 to $1,000. An endorsement that used to be there is gone. The packet goes into an email folder or a kitchen drawer, and the change sits there unread until a claim.
Buying a policy gets a lot of attention. Keeping up with it gets almost none. Halfstone is built for that second half: knowing what you have, knowing when it renews, and seeing what moved between this term and last term.
You add a declarations page, or type in the key numbers. Halfstone lays out the premium, deductibles, limits, and renewal date for each policy on one household view. When the new page arrives, the Renewal Review puts the two terms side by side, line by line, with a plain-English note beside every term. You decide what to do about it.
How Halfstone earns
Subscriptions are the whole business. There are no commissions, no referral fees, and no partner payments, so nothing on the page is there to move you toward a sale.
- Free
- $0. Up to two policies, the household view, and renewal reminders.
- Halfstone Plus
- $5 a month or $48 a year. Unlimited policies and the Renewal Review at every renewal, plus a shared household account and a one-page summary.
What we won't do
Six things Halfstone refuses, each for a plain reason. Open one to read it.
No quotes
A quote is a price for a new policy, and pricing policies is a carrier’s job. Halfstone shows you the price you already pay, this term and last term, and leaves shopping to you.
No selling policies
Halfstone holds no insurance license, and the subscription is the only thing it charges for. If it sold policies, every reminder would start to look like a pitch.
No agents or referrals
Nobody gets your name when you add a policy. There is no agent waiting at the end of a Review and no referral fee for sending you anywhere.
No coverage calls
Whether a loss is covered depends on the full policy, the facts of the loss, and the carrier. Halfstone explains what a line means and never says whether a claim would be paid.
No recommending carriers
Halfstone does not rank carriers or say one is better for you. It has no partner list, so there is nobody it would be tempted to put first.
No sharing data with agents or carriers
Your declarations pages are read to show your policies back to you. They are never passed to an agent, a carrier, or anyone who would use them to sell to you.
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.
What stays private
A declarations page says a lot about a household: where you live, what you drive, what the house is worth. Halfstone treats it that way.
- Your documents are used to show your policies to you, and for nothing else.
- They are never shared with agents or carriers, and never sold.
- A shared household account shows the same page to the two people on it. Nobody else is added without you.
- Text messages, if you turn them on, are account notifications only: renewal reminders, a Review that is ready, billing notices, codes, and support replies.
The Privacy Policy covers each of these in full.
As seen in
Publications that have written about Halfstone, with their headlines as they ran.
- Geeker Mag (opens in a new tab)
“How Halfstone Puts This Term Next to Last Term, Line by Line”
- Everybody Loves Your Money (opens in a new tab)
“Halfstone and the Renewal Increase Nobody Reads About”
- Top Inspired (opens in a new tab)
“Halfstone Wants to Empty the Insurance Drawer in Your Kitchen”
Start with the policy that renews next
The free plan holds two policies and sends a heads-up before each renewal.