Insurance, on your side.
BNIE reads your policies, spots gaps and things worth questioning, and helps you understand whether you're getting the protection you're paying for.
- On your side, not theirs
- Your data is private & secure
- Every answer cited to source
Your Policy
Auto Policy Declarations
- Liability Limits
- Comprehensive
- Collision
- Uninsured Motorist
- Rental Reimbursement
- Deductible$1,000
Drop your policies here
Auto, home, life — add as many as you have
PDFs · Free · No account needed
Your policy check (example)
Prefer to see it first? See how it works
Where to start
What do you want to know?
Most people don't arrive wanting to read their policy. They arrive with a question.
- Check my insuranceStart with a policy you already hold and see where it stands.
- Understand my coverageWhat you're covered for, what you'd pay, and what's excluded.
- Review a renewalUpload the renewal and see what's worth raising before it takes effect.
- Know what to ask my agentSpecific questions drawn from your policy, ready to take with you.
Not available yet
- Compare a quote — Coverage-for-coverage against what you hold now — not just price.
- Understand a claim decision — Read a denial against your own policy language.
How it works
Three steps. About two minutes.
- 1
Show us what you have
Upload a policy — the declarations page, the full document, or both. No account needed to start.
Auto · Home · Renters · Umbrella · Many commercial forms
- 2
See where you stand
BNIE reads every page and lays out your coverage, costs, gaps, unusual terms, and the things most worth a second look.
Usually under a minute
- 3
Make a better move
Ask follow-up questions, check any answer against the source page, and take a specific list of questions to your agent.
Every answer cited · Nothing to take on faith
What you get back
Not a summary of the document. A read on where you stand.
Anyone can tell you your deductible is $1,000. The useful part is knowing whether that's a problem for you.
What looks solid
The parts of your policy that appear to be doing their job, so you know where not to spend your attention.
What's worth reviewing
Terms that stand out — a deductible that may be higher than you'd want to cover on short notice, coverage that may duplicate a benefit you already have.
Possible coverage gaps
Protections commonly carried on a policy like yours that we couldn't find on your document — flagged as something to confirm, not as a verdict.
Cost worth discussing
Places where premium and protection may be out of balance. We won't quote you a number we can't stand behind.
Questions for your agent
Drawn from your actual policy, phrased so they're hard to deflect, and one tap from your clipboard.
A citation for everything
Every figure and every answer points back to the page it came from, so you can check us against the document itself.
See it in action
Plain answers, and a reason to trust them.
Ask the way you'd ask a person. Every answer points back to the page it came from — and when your policy doesn't say, BNIE says that instead of guessing.
Your highest deductible is $2,500
A higher deductible lowers your premium but is the amount you'd pay yourself before coverage starts. It's worth being sure you could cover it comfortably on short notice.
Question for your agent
Could I lower my $2,500 deductible, and what would that do to my premium?
What's my collision deductible?
Your collision deductible is $1,000 per claim — what you pay before coverage kicks in, regardless of fault.
Your comprehensive deductible is lower, at $500.
Illustrative examples. What BNIE surfaces depends entirely on what's in your own document.
Where this goes
Understanding your policy is the first rung, not the point.
Reading documents is the infrastructure. Being the sophisticated party on your side of the table is the product.
Understand
Know what you actually have
Your coverages, limits, deductibles, exclusions, and endorsements, in plain English — each one traceable to the page it came from.
Evaluate
See what deserves your attention
Not a data dump. BNIE separates what looks reasonable from what looks thin, unusual, or worth a conversation before you renew.
Compare
PlannedJudge an offer on more than price
A cheaper quote can quietly cost you a lower limit, a higher deductible, or a coverage you'd miss at claim time. Comparing coverage against price is what we're building next.
Act
Walk in knowing what to ask
Specific, answerable questions for your agent or carrier, drawn from your own policy rather than a generic checklist.
Protect
PlannedStay right as things change
Renewals, new vehicles, a move, a growing household. Keeping your coverage matched to your life is where this is heading.
Fight
PlannedPush back when a decision looks wrong
Reading a denial against your own policy language, finding the clauses that apply, and organizing what you need to respond. Planned, and not yet available.
Why you can trust this
We only make sense if we're on your side.
No stake in your answer
BNIE doesn't sell policies, isn't an agency or a carrier, and takes no commissions or referral fees. If the honest answer is that your current policy is good and you should keep it, that's the answer you get.
Encrypted and private
Military-grade 256-bit encryption in transit and at rest, stored where no one can browse it.
Never training data
Your policy is read to answer your questions. It is not used to train any model.
Cited, so you can check
Every figure points back to a page in your document. The policy is always the authority.
Deletable in one tap
Removing a document removes everything derived from it.
Read the details in our privacy policy.
Questions
Reasonable things to wonder about
What is BNIE for?
Is this a quote comparison site?
Which kinds of insurance does it handle?
Will this actually save me money?
Whose side are you on?
Find out where your insurance actually stands.
Takes about a minute. No account, no credit card — just your policy and an honest read on what it's giving you.