Free for families and businesses
The right insurance at the right price.
Most people never find out what their policy leaves out until they file a claim. PolicyChecked helps you understand yours now, for free: store your policies safely, get a free AI analysis in plain English, then go over anything it flags with a licensed expert.
Policies not handy? (888) 509-8502 and we'll help you get them scanned in.
- Licensed SD property & casualty agent
- Local office in Lennox
- Usually replies within one business day
- Free review, no obligation
- Free, private storage for every policy, plus a photo and video walkthrough of what you own
- A free AI analysis in plain English, with the items worth asking about flagged
- A free review with a licensed expert about anything that was flagged
- No cost and no obligation. Nothing changes unless you decide it should
Coverage check
Prairie Builders LLC · example
Efficiency score
Rises as you complete each step. Reach 100 by reviewing with a licensed agent.
- Policy uploaded+30
- AI coverage scan+30
- Review with a licensed agent+40
What the AI found
- General liability: $1M each occurrence
- Additional insured: Blanket endorsement
- Commercial auto: 3 vehicles scheduled
- To discuss: Contract asks for a per-project aggregate
Here's what you get, all free
Three simple steps, at your own pace. Use one, or all three.
- Store my policies freeFree
Step 1
Store it safely
Upload or snap photos of every policy and ID card, and walk through your home or business with your phone's camera. Everything stays private, organized, and ready when you need it, with renewal reminders.
- Get my free AI analysisFree
Step 2
Understand it with AI
Our AI reads each policy in about a minute and explains it in plain English: what it lists, your limits and deductibles, your renewal dates, and the items worth a closer look.
- Talk to an expert freeFree
Step 3
Talk it through with an expert
A licensed agent goes over what the AI flagged, answers your questions, and makes sure you have the right policy at the right price. If something should change, you get options to choose from.
Don't have your policies handy? We'll help.
Call us and we'll walk you through it. With your OK, we can request copies straight from your insurance company and get them scanned in for you. You can also forward policy emails to your private PolicyChecked address, or drop off paper copies at our office.
What would you like to check?
What happens when you talk to an expert
No pressure and no surprises. Here is exactly what to expect.
- Step 1You tell us the basicsAbout two minutes: how to reach you, and what you want covered.Get a free quote
- Step 2A licensed agent calls youUsually within one business day, at the time you choose.Get a free quote
- Step 3We review what you haveYour current policies, contracts, and renewal dates, line by line.Get a free quote
- Step 4You get options in writingCoverage and price, explained. Nothing changes unless you decide it should.Get a free quote
Get your free AI analysis
Snap a photo or upload your declarations page. In about a minute, AI explains it in plain English and flags what to ask an expert about.
Create a free account for your AI analysis
Free, and it takes about a minute. Confirm your email, then snap a photo or upload your policy. Then talk through anything it flags with a licensed expert, also free.
- AI lists your insurer, dates, limits, and vehicles in about a minute
- Your efficiency score and renewal reminders
- Files stored privately; only you and your licensed agent can open them
Personal insurance guides
Auto, home, and the rest of your household's policies: what each commonly covers, what it leaves out, and what to check on yours.
- Auto InsuranceLiability for crashes you cause, plus optional protection for your own vehicle.Learn more
- Home InsuranceYour house, your belongings, and liability for injuries at your home.Learn more
- Renters InsuranceYour belongings and your liability when you rent an apartment or house.Learn more
- Condo InsuranceYour unit's interior, your belongings, and your share of association losses.Learn more
- Landlord InsuranceThe rental building, lost rent after a covered loss, and landlord liability.Learn more
- Personal Umbrella InsuranceExtra liability limits that sit above your auto and home policies.Learn more
- Motorcycle, Boat, RV, and ATV InsuranceSeparate policies for the vehicles your auto and home policies may not cover.Learn more
- Farm and Ranch InsuranceHome, outbuildings, machinery, livestock, trucks, employees, and farm liability.Learn more
Business insurance guides
Plain-language guides to commercial policies, what they commonly leave out, and what to check before renewal or your next contract.
- General Liability InsuranceInjuries and property damage you cause to others, and the lawsuits that follow.Learn more
- Commercial Auto InsuranceTrucks, vans, and trailers used for work, and the drivers who use them.Learn more
- Workers' Compensation InsuranceMedical costs and lost wages for employees hurt on the job.Learn more
- Commercial Property InsuranceYour building, equipment, inventory, and the income you lose after damage.Learn more
- Professional Liability Insurance (E&O)Claims that your advice, design, or service caused a client a financial loss.Learn more
- Cyber InsuranceData breaches, ransomware, and fraud that start with an email or a hacked account.Learn more
- Business Owner's Policy (BOP)General liability and property packaged together for eligible small businesses.Learn more
How the pieces of a commercial insurance program fit together
Business insurance by industry
The insurance questions that come up in your trade, and the paperwork customers ask for.
- ContractorsLiability, vehicles, tools, and the certificates every general contractor asks for.Learn more
- Construction CompaniesLiability, builder's risk, and managing the insurance of every subcontractor you hire.Learn more
- Trucking CompaniesAuto liability, cargo, physical damage, and the filings your authority requires.Learn more
- RestaurantsGuests, kitchens, staff, and, if you serve alcohol, liquor liability.Learn more
- Retail StoresCustomers in your store, inventory on your shelves, and payments at your register.Learn more
- Landscaping CompaniesProperty damage on clients' lawns, trucks and trailers, mowers, and seasonal crews.Learn more
- HVAC ContractorsWork inside homes and buildings, service vans, and completed-work claims.Learn more
- ElectriciansCompleted-work claims, service vans, tools, and contractor requirements.Learn more
- PlumbersWater damage claims, completed work, service vans, and tools.Learn more
Serving families and businesses across South Dakota
We started in South Dakota, with an office in Lennox near Sioux Falls. The coverage check works anywhere; licensed agent services are available where we are licensed.
PolicyChecked
46473 US Highway 18
Lennox, SD 57039
Get directionsWhen something happens
Step-by-step checklists for the moments you need them most: what to do first, what to photograph, and how to report it.
- After a hailstormRoof, siding, windows, and vehicles: what to check, photograph, and report.
- After a car accidentSafety, police, exchanging information, photos, and your claim.
- After hitting a deerStaying safe on a rural road, reporting it, and your auto claim.
- After water damage or a flooded basementStopping the water, drying out, mold, and what your policy may treat differently.
- After a break-in or theftSafety, the police report, listing what was taken, and your claim.
- After an employee injuryFirst aid, reporting the injury, workers' comp, and records to keep.
- After a customer or visitor injuryHelping the person, documenting the scene, and reporting to your liability insurer.
Big change coming up, like a new driver, a new home, or a first employee? See life-event checklists
What PolicyChecked does for you
Safe storage, plain-language education, efficiency, and value: everything you need to understand your insurance and get coverage that fits.
- Store your policies free
Safe storage
Every policy, ID card, and photo of your property in one private place. Files are scanned for malware, staff use two-factor sign-in, and every access is logged.
- Check my policy free
Understand everything
AI turns each policy into plain language: what it lists, limits, deductibles, and dates. Our guides explain what each kind of policy commonly covers and leaves out.
- Get your efficiency score
Efficiency
Your efficiency score shows exactly what is missing from your insurance file, and renewal reminders keep you ahead of every listed renewal date.
- Get a free quote
The right coverage at the right price
A licensed agent reviews your policies, explains your options, and quotes coverage that fits, so you are not left exposed or paying for what you do not need.
- Talk to a licensed agent
No obligation
Check your coverage and ask questions without committing to anything. Nothing changes unless you decide it should.
- Call (888) 509-8502
Local, and growing
Based in Lennox, South Dakota, with an office you can visit, serving families and businesses, and growing beyond state lines.
When you're ready, a licensed agent takes it from here
The AI check tells you what your documents say. It does not tell you what to buy. That's the job of a licensed insurance agent, who reviews your situation and explains your options. The review is free and there's no obligation.
In a review, your agent
- Goes through what your coverage check flagged, line by line
- Compares your limits with what you own, and with lender, lease, or contract requirements
- Explains options, and quotes coverage if you want them to
- Puts recommendations in writing, so you can decide on your own time
Frequently asked questions
The right insurance at the right price.
Get a free AI analysis of your policy in about a minute, then talk it through with a licensed expert. Free, with no obligation. Policies not handy? Call us and we'll help you get them in.