About PolicyGuard

Independent tools for people who actually read their policy

We built PolicyGuard because most policyholders only learn what their coverage means at the worst possible moment — when a claim is already on the line.

Small team reviewing documents and a laptop together in an office

Corporate Overview

A small, focused team building consumer-first tools

PolicyGuard is an independent coverage platform serving U.S. policyholders. We are not an insurance carrier, agent, broker, or law firm, and we don't sell policies. Our product teams build structured checklists and calculators drawn from publicly documented policy language patterns, consumer complaint data, and industry-standard claim workflows.

Every tool on this site is designed to be used before you need it — reviewed periodically, not just pulled out during a crisis.

Core tools

States referenced

Carrier commissions

Defense Methodology

How each score gets built

Identify the checkpoint

We map the documentation or data point a carrier typically checks first.

Weight by impact

Items linked more often to disputes or denials carry more weight in the score.

Calculate locally

All scoring runs in your browser — your inputs are never sent to a server.

Surface plain guidance

Results translate into specific next steps, not just a number.

Verification Standards

How we keep checklists current

Checklist categories are reviewed against publicly available state insurance department guidance.
Product review runs on a scheduled cadence, with updates logged internally.
Tools are labeled as coverage estimates, never as a substitute for reading your actual policy.

Detailed view of a checklist and clipboard being reviewed

Trust Principles

What we commit to

Transparency

We disclose how scores are calculated and what they don't cover.

No Commission Bias

We don't earn a cut from carriers, so recommendations aren't steered by payouts.

Local-First Data

Checklist and score inputs are stored in your browser, not on our servers.

Important Coverage Notice

PolicyGuard is an independent insurance information and planning platform. Our tools provide estimates based on the information you enter and are intended to help you review your coverage, documentation, and potential areas of exposure. Results do not modify your policy or determine coverage, claim eligibility, or settlement amounts. Coverage is governed by the terms of your policy and applicable state requirements.

Your data stays on your device No policy changes are made