Public adjusters typically charge 10 to 20 percent of what the insurer pays. HomeOwed charges a flat price that never changes with the size of your claim.
Upload your estimate or letter. Get red flags, likely gaps, and your deadlines. No card needed.
A single-room or straightforward claim, such as a burst pipe, roof leak, hail, or theft.
Major and total losses, and any claim that includes your belongings or time out of your home.
Guarantee: if HomeOwed doesn't identify at least $1,000 in missing or underpriced items within 60 days, you get a full refund. It's based on what we identify, not what your insurer pays. Terms
For a total loss when rebuilding a list of everything you owned is too much to face alone.
Your specialist builds and prices the inventory with you. They don't contact your insurer, interpret your coverage, or negotiate for you.
Get ready before the storm. Keep a home inventory vault, run an annual coverage check that flags underinsurance, and get renewal alerts. If you ever file a claim, Full Recovery is half price.
In the 2025 LA wildfires, 62% of surveyed households reported being underinsured six months later (United Policyholders).
| Feature | Scan | Essentials | Full Recovery | Concierge |
|---|---|---|---|---|
| Price | Free | $99 | $399 | $1,950 |
| Estimate or letter scan | ✓ | ✓ | ✓ | ✓ |
| Line-by-line Estimate Check | Preview | 1 claim | Unlimited revisions | Unlimited revisions |
| Letter Studio | — | 8 letter types | All letters | All letters |
| Deadline Guard and reminders | Dates shown | ✓ | ✓ | ✓ |
| Contents Builder | — | — | Unlimited items | Built for you |
| ALE Tracker | — | — | ✓ | ✓ |
| Human help | — | Email support | Claim coach chat | Specialist + weekly calls |
| Access | — | 90 days | 12 months | 12 months |
| Guarantee | — | 14-day refund | $1,000 found or free | $1,000 found or free |
Join the email list and get a code for 15% off Essentials or Full Recovery, good for 10 days.
During a federally declared disaster, Full Recovery is $199 for households in the affected counties. The code is posted on our disaster page and in local outreach.
Every customer gets a personal referral code. Your friend gets $25 off and you get $25 back when they buy.
If you've kept a Ready membership, Full Recovery is half price when you need it.
Households at or below 200% of the federal poverty level can apply for a free Full Recovery plan. We review applications within 2 business days.
Claim plans are one-time payments. HomeOwed Ready is the only subscription. It renews yearly, and you can cancel in one click.
If, within 60 days of buying Full Recovery or Concierge, HomeOwed hasn't identified at least $1,000 in missing or underpriced items across your Estimate Check and Contents Builder, email us and we'll refund the full price. It's measured on what HomeOwed identifies, not on what your insurer agrees to pay.
Yes. You pay only the difference, and your work carries over.
Never. Our price is the same whether your claim is $8,000 or $800,000.