Turn your insurance policy into a clear, structured guide built for real world decisions.
Let's Talk Policy
THE TOOLBOX
the toolbox
Upload your declarations page or full policy and we will translate it into a refined, easy to navigate breakdown of your coverage using our own AI models.
You will gain a precise view of what is covered, where limits apply, and where risk may exist, delivered in an easy to read, downloadable PDF complete with guided insights, our signature RallyBack The Fairy Tale, and a curated glossary of key terms.
Use the free Let's Talk Policy tool and upload your policy to get your guide.
Use the free Let's Talk Policy tool and upload your policy to get your guide.
Get Started
Instantly see what is covered, where your key limits are, and the biggest risks in your policy, all summarized in one place.
AI Snapshot
AI Snapshot
Tap the Get Started button at the top of this page, upload your insurance policy and...that's it. Let our tech do the rest.
How it Works.
Coverage Breakdown
Coverage Breakdown
We organize your primary coverages into a structured, easy to follow format so you can quickly understand how your policy is built.
Endorsements
Endorsements and Exclusions
We identify included endorsements, special coverages, and exclusions so nothing critical gets overlooked. We even look for opportunities and discounts.
Guided PDF Output
Guided PDF Output
It could not be easier to understand your policy. Whether you are filing a claim or reviewing your coverage, you may uncover valuable insights that help you make smarter decisions and avoid surprises.
The Bottom Line.
Your results are packaged into a clean, shareable PDF that includes our RallyBack article The Fairy Tale along with a curated glossary of insurance terms to help you go deeper.
More FREE Tools in The Toolbox
The Loti Toolbox is a powerful, easy to use collection of tools designed to help homeowners navigate every stage of an insurance claim, from understanding your policy and documenting damage to tracking expenses and maximizing recovery.
Used by our public adjusters on behalf of our clients, we are releasing some of our tech tools completely free, giving everyone organization, insight, and confidence when it matters most.
THERE'S ALSO SO MUCH MORE
Understanding your policy shouldn’t feel like reading a foreign language.