The 2-Minute Test Every Homeowner Should Take Today
The policy document you can find in two minutes is the one that can help you act when the worst day arrives.
HOMEOWNER INSURANCE, EXPLAINED
The day before Thanksgiving, my house burned down. Then I learned what my policy actually said.
I’m Tom Birney. Everything I learned the hard way — in plain English, so you don’t have to.
BROWSE BY TOPIC
HOMEOWNER INTELLIGENCE REPORTS
Everything I wish I’d known before the fire.
Plain-English reports to read on an ordinary Tuesday, not after a disaster.
Why Your $10,000 in Jewelry Might Be Insured for $1,500
The special limits hiding inside a policy can matter more than the large personal-property number on page one.
What Your Homeowner's Insurance Doesn't Cover (And How to Find Out Before It Matters)
The exclusions section is where homeowners discover the events their policy was never designed to cover.
Your Policy Is Written in Code: What Coverage A, B, C, and D Actually Mean
The four letters on your declarations page are a map of what the policy is designed to protect.
“Gradual”: The One Word That Kills Water Damage Claims — and the First 24 Hours That Decide Yours
A plain-English guide to sudden water damage, gradual leaks, and the documentation that begins on day one.
The 80% Rule Nobody Explained: How “Fully Insured” Homeowners End Up Six Figures Short
Underinsurance can start with an outdated rebuild number long before a disaster exposes it.
WATCH
Rather watch than read?
Short, practical videos from the PolicyFighter channel.
1:17PolicyFighter on YouTube
Your Home Insurance Does NOT Cover This (Almost Nobody Knows)
A recovered public video from the PolicyFighter channel about exclusions homeowners often miss.
0:39PolicyFighter on YouTube
What Does Your Homeowner Policy Cover
A recovered public PolicyFighter video introducing the practical questions inside a homeowner policy.
THE CHANNEL
More homeowner intel, straight from Tom.
See all videosTHE 60-SECOND TEST
Not sure where to start?
Take the free 60-second test — eight questions, no email needed to see your score.
WHY I BUILT THIS
A policy should not be a mystery when your life has just caught fire.
When Tom Birney’s home burned down the day before Thanksgiving, the insurance policy he had paid for became the operating manual for the worst week of his life. What he learned inside that document is the reason PolicyFighter exists.
My house is being rebuilt right now. If this site spares you even one of the surprises I hit, it’s done its job.
Read Tom’s storyFREE GUIDE
Eight questions that reveal whether you’re actually protected.
Keep the scorecard. Bring it to your next renewal conversation.