// A nonprofit data commons for home insurance
Insurers see everyone’s data. We see only ours. Until now.
Insurance runs on pooled knowledge. The companies have it. The people they insure don’t. Claim Commons is where neighbors pool what their policies say, on their own terms, so nobody faces the fine print alone.
Compare premiums and coverage in your neighborhood. Next: claims.
JACKSONVILLE, FL 32210SINGLE-FAMILY · 1,561 SQFT
Enough to rebuild?
Policy limit:$245,800✓ Verified from the policy
IF REBUILDING COSTSESTIMATE1
Policy paysEstimate
LOW END~$235,000Within the policy limit
TYPICAL~$330,000~$85,000 short
HIGH END~$420,000~$175,000 short
Annual premium
$1,320 a year · up 39% since 2022
Coverage
Policy limit$245,800 ✓
Standard deductible$2,500
Hurricane deductible$4,916 · 2% of the policy limit
Not includedFlood · Building-code upgrades · Earthquake
SinkholeOffered, not added
Shared by 1 homeowner in ZIP 32210 so far
Owner chose what to share — name and street never shown · ✓ = verified from the uploaded policy
¹ Rebuild estimates: statewide data, Home-Cost.com, 2024
Owner chose what to share — name and street never shown · ✓ = verified from the uploaded policy
¹ Rebuild estimates: statewide data, Home-Cost.com, 2024
Homeowners are data-poor in a system where insurers are data-rich.
One line deep in a policy can change what the whole thing pays. Most families find that out after a disaster, when it’s too late to fix.
Public data can already tell you a ZIP’s average premium and claims. What coverage neighbors actually carry is written down nowhere public. That is the missing half we’re building.
Read our promises about your data →Your data is never sold to insurers or lead-gen services✓
Never used to train AI models unless you say yes✓
Delete everything, including what we computed from it, any time✓
Community stats appear only once 10+ households join, never any single home's numbers✓
LIVE TODAYAdd your policy, check what we read, and keep a verified record. Community stats appear wherever 10 or more households join. West Adams is first.
// When you add your policy
One policy at a time, your neighborhood stops being data-poor.
Hurricane Deductible ...... $8,420 (2% of Coverage A)
p.701Upload
~1 min
~1 min
02Extract & cite
2–10 min · ours
2–10 min · ours
03You verify
~5 min
~5 min
Yours to keep
For you, today
Where you stand: your rebuild gap, and what your policy leaves out.
For your neighborhood
Every verified policy sharpens the picture. Ten households unlock a neighborhood's numbers.
RESERVED FOR A NEIGHBOR’S WORDS
When the first households join, we’ll invite them to share what they found. Whatever they choose to write goes here, word for word. We won’t write it for them.
Not ready to add a policy?
Live in a different ZIP?
Leave your email. We’ll send one message when your neighborhood unlocks, and nothing else.
Get notified →Know a neighbor here?
Send an invite link. Ten households unlock a neighborhood’s stats.
Want to donate?
NOT OPEN YETWe never take money from insurance companies. Donations open once our nonprofit paperwork is final. Until then, the best gift is a policy.
Where are the open books?
AFTER LAUNCHWe run in the open. Our numbers and decisions will be published here for anyone to read.
Join the movement.
Now in early access. Your account is just your email, created right before you upload.