// 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, coverage, and claims in your neighborhood.
West Adams, Los Angeles
~16,000 households · 0 in the commons
Neighbor stats: not unlocked yet0 OF 10
Stats unlock at 10 households. Below 10, a range can point at a single home, so we wait.
Get one email when 90016 unlocks
One email at unlock. Nothing else, ever.
PremiumsFEDERAL · 2022
$1,979 average yearly premium
National average: $1,742.
ClaimsFEDERAL · THROUGH 2022
4.7 claims per 100 homes · $16,900 average paid
Yours counts toward the 10 · Know neighbors here? Send an invite
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✓
Not used for model training by default✓
Delete everything, including derived data, any time✓
Community stats only at 10+ households, never min/max✓
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
Your PDF becomes a verified record in four steps.
01
Upload
Add your policy PDF. Before anything runs, we show you what will happen to it, and you choose what we may keep.
02
Extract & cite
AI drafts each field and shows the exact quote and page it came from. No source, no fact.
03
You verify
You accept or flag every field. Nothing counts until you say so.
04
Verified record
You get a clear record of what your policy covers. It’s yours to keep, and shared only if you choose.
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.