PolicyParach

PolicyParach is a mobile + web app that helps households and high-earning professionals figure out whether their umbrella liability coverage is actually adequate—and what gaps could bankrupt them. Users connect or upload their auto/home policies, then answer a short profile (net worth, drivers, pets, rental properties, teen drivers, boating, short-term rentals, public-facing work). The app calculates a conservative “lawsuit exposure range,” flags missing prerequisites (like required auto liability limits), and generates a plain-English gap report you can share with your agent. It also tracks life changes (new car, marriage, home purchase, Airbnb hosting) and nudges users to re-check coverage. This is not a magic “buy insurance here” app; it’s a decision and documentation tool that reduces confusion and prevents underinsuring. Monetization: subscription for monitoring + one-time report, plus optional lead referrals to vetted agents (clearly disclosed).