How to Use AI to Analyze Your Insurance Policies

Insurance policies are famous for their "fine print." We often don't know what is covered until it is too late. Whether it is home, auto, or travel insurance, AI can read the 50-page PDF in seconds and tell you exactly what you need to know, potentially saving you thousands of dollars.

Step 1: Get the PDF You likely have a digital copy of your policy in your email or on the insurance company's portal.

Download the full "Policy Document" (not just the summary page). It is usually a long PDF file.

Step 2: Ask Specific Scenarios Don't just ask "What does this cover?" That is too broad. Ask about specific fears.

"If my washing machine leaks and ruins the floor, is that covered?"

"Does this travel insurance cover me if I catch COVID-19 before the trip?"

"Is there a deductible I have to pay before the car rental coverage kicks in?"

Step 3: Find the Gaps Ask the AI to be critical.

Type: "Act as an insurance expert. Review this policy and tell me what is NOT covered that a standard policy usually includes. Where am I exposed?" It might tell you that you lack "flood coverage" or that your "contents limit" is too low for your jewelry. This gives you the chance to call your agent and fix it before a disaster happens.