Part of Halfstone Plus
The Renewal Review: this term next to last term
When a policy renews, you add the new declarations page. Halfstone puts it beside last term's, line by line, marks every line that moved, and keeps a plain-English note next to each one.
Add the new page. Upload the declarations page from the renewal packet, or type in the numbers.
See both terms. Premium, limits, deductibles, and endorsements, each beside last term's value.
Every renewal. For every policy in the household, on Plus at $5 a month or $48 a year.
One household's renewal, two policies
Tap any line to read what it means. Changed lines are marked in this term's column.
Changed this term
Example numbers. A real Review uses the lines on your own declarations pages.
Auto policy
Two cars, renewed March 14, 2026
3 lines changed
The premium went up $178, the collision deductible went from $500 to $1,000, and rental reimbursement is no longer on the page. The other six lines match last 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.
Homeowners policy
Renews November 20, 2026
3 lines changed
The premium went up $280, the wind or hail deductible changed from a flat $1,000 to 2% of the dwelling limit, and the water backup endorsement was removed. The limits match last term.
- 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.
- Covers buildings on the property that are not attached to the house, like a detached garage, shed, or fence. It is often set as a percentage of the dwelling limit.
- Covers what is inside the house: furniture, clothes, electronics. The declarations page shows the limit, and the policy says whether it pays replacement cost or actual cash value.
- Pays extra living costs, like a rental and meals, while the home cannot be lived in after a covered loss. It has its own limit, sometimes a percentage of the dwelling limit.
- Pays if someone is hurt on your property or you damage what belongs to someone else, up to the limit shown. An umbrella policy sits on top of this line.
- The deductible for every covered loss that does not have its own, like fire or a burst pipe. It is the number most people mean by "my deductible".
- 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.
- 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.
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.
See what changed at your next renewal
Free keeps up to two policies in one view and sends renewal reminders. Plus adds the Review at every renewal, for $5 a month or $48 a year.