Now in New York
Know what your
insurance actually covers
Send us your full insurance policy over SMS. We'll text you back with what's covered, what's not, and what to look out for.
Free • No app required
See it in action
Send us your full policy. Here's what you'll get back.
📸 Auto insurance card
Liability: $300K/$100K Collision: $1K deductible Rideshare: Not covered ⚠️
No rideshare coverage. If you drive for Uber or Lyft, you'd want to add that.
📸 Renters policy page 1
Personal property: $30K Liability: $100K Deductible: $500
Your electronics are covered up to $2,500. Bikes and jewelry have sub-limits — check with your landlord if that's enough.
📸 Pet insurance summary
Annual limit: $5K Deductible: $250 Reimbursement: 80%
Pre-existing conditions aren't covered. Wellness visits aren't included either — that's a separate add-on.
How Spot works
1.Take a photo
Snap your insurance card, declaration page, or any policy document.
2.Text it to us
Send the photo to our number. No app to download, no account to make.
3.Get your breakdown
We text back what you're covered for, what you're not, and anything that looks off.
Encrypted end-to-end
Your documents are encrypted in transit and at rest. Nobody sees them but you and our system.
Free. No app. No account.
Just send your policy. That's it. No sign-up, no downloads, no premium tier.
Questions
Insurance should be
simple to understand.
