Risk 01
Your rebuild cost is higher than your policy thinks it is.
Construction costs are up 30–50% since most people bought their home. Your dwelling coverage still reflects the original number — not what it costs to rebuild today.
Strictly for Homeowners across America · Free 20-minute review
The Coverage Clarity Review™
Stop overpaying for the wrong protection.
A free 20-minute review where a licensed advisor reads your policy line by line — so you leave knowing exactly what you have, what you're missing, and whether you're overpaying for it.
Claim my free review →No obligation · No pressure to switch
- $782Stack value, free to you
- 15+Admitted carriers compared
- 20 minTotal review time
- 21%Avg. US premium hike (2023)
“Either leave better protected for the same price — or the same protected for less.”
The promise, in one line
Who this is for
Homeowners who haven't had someone actually look at their policy in 2+ years.
If you bought your home 3–12 years ago, if your renewal jumped without explanation, or if you've never asked an independent advisor whether your coverage matches today's rebuild costs — this review is built for you.
- Independent — we shop 15+ admitted carriers, not one
- Written Coverage Gap Report you keep, even if you don't switch
- Overpayment Estimate as a real dollar number, not a vague 'could save'
- Smooth Transition Promise — we handle all paperwork if you do move
Why this matters now
Your premium keeps climbing — even though nothing about your house has changed.
US homeowners insurance premiums rose 21% in 2023 and have kept rising through 2024. Major carriers are pulling out, non-renewing, and re-rating loyal customers. The families who shop now keep the savings. The families who wait pay for it for the next 12 months.
Carrier rates reset on quarterly cycles. The comparison we run today reflects current market pricing. Waiting means redoing the whole thing.
The gaps you don't know about
The coverage gap you don't know about is the one that hurts you.
Risk 02
Loyal customers quietly pay more.
Carriers systematically raise premiums for passive renewers. Loyal customers often pay 20–40% more than new ones for the exact same coverage.
Risk 03
One liability event could expose every asset you own.
Trampoline, pool, dog, home-based business — any of these can produce a claim that blows past standard limits. Most policyholders have no umbrella.
Risk 04
Carriers are non-renewing entire zip codes.
State Farm and Allstate have pulled back from major markets. If you get a non-renewal letter, you have 30 days to find new coverage — under pressure.
How the review works
Three steps. Twenty minutes. Zero pressure.
- 01
Send us your current policy
Upload or forward your declarations page. We pull the rest. You bring nothing else — that's the point.
- 02
We read it line by line
An independent advisor audits every coverage, deductible, limit, and exclusion — then runs a live comparison against 15+ admitted carriers.
- 03
You get the truth in writing
A plain-English Coverage Gap Report, an Overpayment Estimate, and a prioritised plan. Switch only if it makes sense. If your policy is already right, we'll tell you in writing.
Your reviewer
Will Medley · Licensed Insurance Advisor
Independent insurance advisor and founder of Medley Insurance Agency. Reviews coverage line-by-line and shops 15+ admitted carriers on behalf of homeowners and families.
“If you leave the Coverage Clarity Review™ without a single useful insight about your coverage — we'll admit we wasted your time and make it right. No pressure to switch. No obligation to buy. Just the truth about your policy.”
Time Guarantee
If we can't find one gap or saving, the call ends early.
No-Pressure Commitment
If your current policy is best, we say so in writing.
Smooth Transition
If you switch, we handle every step — zero coverage gap.
- Is this really free? What's the catch?
- Yes, free. Most independent reviews cost $150–$300 when done privately. We provide it at no cost because our business is built on long-term clients, not one-off transactions. You're under no obligation to switch.
- What if I'm already happy with my carrier?
- Then we tell you in writing that your current policy is the right fit — and you leave with one less thing to worry about. A review doesn't mean switching. It means knowing.
- Will my premium go up after the review?
- The review itself never raises a premium. Our goal is right coverage at the right price — not more coverage at a higher price.
- How long does it actually take?
- Twenty minutes on the phone. If we can't find a single useful insight, we end the call early. We won't pad it.
- Who is Medley Insurance Agency?
- An independent brokerage led by Will Medley. Independent means we don't work for any single carrier — we shop multiple admitted carriers to find the fit for you.
Twenty minutes from now you'll know what your policy really does — and what it's really costing you.
Spots for our monthly Coverage Clarity Reviews are limited. Reserve yours before this month fills up.
Claim my free review →