Meet RenewGap — Diff every insurance renewal

Finance

RenewGap

Diff every insurance renewal

What RenewGap does

Your renewal notice lands, the price is up again, and nothing about you changed. No accident, no ticket, no new driver — just a bigger number than last year, and a vague memory that last year's number was already bigger than the year before. RenewGap is the private ledger that ends the guessing.

Log each policy's declarations at every renewal: the price, the coverages, the deductibles, the vehicles and drivers on the policy. From the second term onward, RenewGap diffs consecutive renewals line by line and tells you exactly what moved — the price rose 18 percent, your deductible quietly doubled, a coverage limit shrank — so a renewal can never slip a change past you again. Carriers count on you not comparing; RenewGap makes the comparison automatic.

The Gap Card is the payoff. Pick any baseline year and RenewGap renders your compounded increase as a clean chart: same car, same driver, zero claims, 2022 to 2026, up 76 percent. It is the exact picture people rebuild by hand from a folder of old declarations pages — except yours is one tap, accurate, and ready to show an agent, a spouse, or anyone who thinks you are imagining it.

Then it helps you do something about it. Forty-five days before each renewal, RenewGap fires a shop trigger with a call-ready checklist: the discounts to demand, the quotes to gather, and the retention phrases that get a better offer from the carrier you already have. Loyalty is priced as a tax now; shopping every renewal is the counter, and RenewGap turns it into a fifteen-minute ritual instead of a dreaded project.

Auto, home, renters, pet, umbrella — every household policy fits in the same ledger, so a multi-car family sees its whole insurance picture in one place. And everything stays on your device. No account, no policy linking, no lead-gen calls, no data sold to carriers. RenewGap is not trying to switch you; it works for you whether you switch or stay.

• Renewal-vs-renewal diffs: price, coverages, deductibles, line by line • Compounded-increase Gap Card from any baseline year, shareable in one tap • Shop trigger 45 days before renewal with a call-script checklist • Covers auto, home, renters, pet, and umbrella policies in one ledger • Fully on-device: no account, no linking, nobody calls you

A look inside

Tap any screenshot to open the full-resolution version.

What's inside

• Policy Ledger — One place for every household policy — auto, home, renters, pet, umbrella — each with carrier, term dates, and a scrollable history of every renewal you have logged.
• Renewal Diff — Log each term's declarations (premium, coverage limits, deductibles, vehicles and drivers) in a guided two-minute entry; RenewGap diffs consecutive renewals line by line and flags every silent change.
• Gap Card — The shareable moment: pick a baseline year and render 'Same car. Same driver. Zero claims. 2022: $1,486 to 2026: $2,610 (+76%)' as a chart card, exportable as an image in one tap.
• Shop Trigger — A local notification 45 days before each renewal opens a shopping checklist: discounts to demand, quotes to gather, and retention phrases — with per-cycle progress so you can pick up where you left off.
• Compound Charts — Cross-policy view of compounded increases since any baseline year — the household's total insurance inflation in one picture, per policy and combined.
• Shopping Packet — One-tap PDF summarizing current coverages, limits, and deductibles per policy — the exact sheet you read from when gathering apples-to-apples quotes on the phone.

Why we built it

Insurers quietly raise loyal customers' rates (and deductibles) at every renewal, and people only discover the damage when the notice lands. There is no private place to keep a renewal-vs-renewal ledger per policy — what changed, what identical coverage cost last term, and when to trigger shopping — so most households…

What makes it different

Every incumbent monetizes by selling the user: Jerry is account-based lead-gen with BBB spam complaints; Gabi required linking insurance logins to Experian and is effectively dead; Marble (The Zebra) was a comparison-funnel wallet with no renewal diffing and a delisted US iOS app; the UK 'Renewal' app is reminder-only…

Who it's for

Freelancers, contractors, and small-business owners who want their numbers right at tax time without renting a SaaS to do it.

In one line: Diff every insurance renewal

Try it

See the Diff every insurance renewal for the full feature list, the info table, and support links.

Use RenewGap, found a bug, or have a feature request? Comments are open below — anonymous is fine.