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Open Policies. Each policy shows the carrier, the policy number, when it renews, what you pay and how that compares with last term, the policy period, and the coverage limits we read from your documents. View dec page opens the declarations page itself, the page that lists exactly what is covered. If a detail looks wrong, Review & confirm lets you correct it.

Your declarations page lists your coverages and limits, and Policies shows the ones we read from it. For a question about a specific situation, ask your agent: if your policy came through PolicyVera, Message reaches them from your quote request under My Quotes; otherwise their number is printed on your declarations page.

Tell your agent; they update your policy with the carrier. Message them from your quote request under My Quotes, or call the number on your declarations page. Adding a home or a household member to your Insurance Profile keeps future quotes accurate, and Shop sends a new request for any home you check.

On Policies, under Life changes, pick what changed, such as a vehicle by its plate, a new driver or a move, add anything helpful, and send. It goes to the agent who bound your policy.

Yes. A policy on your Policies page shows how many days until it renews from 90 days out, you get a reminder in the app at 60, 30 and 7 days, and an email at 30 and 7 days, unless you turn renewal reminders off in Settings.

Compare. Compare quotes on the policy card sends the same coverage to licensed local insurance agents you choose, and the quotes line up beside your current policy so you can see what changed. Staying with your current agent is always an option, and PolicyVera never ranks or recommends a quote.

Upload the new policy on your Insurance Profile (Upload my policy page) and it takes its place on Policies; the old one moves to Expired Policies. A policy you no longer hold can be deleted from its card.

For a claim, your carrier's claims line; for a coverage question, your agent. Your declarations page usually prints both numbers, and View dec page opens it from Policies. If your policy came through PolicyVera, Message reaches your agent from your quote request under My Quotes.

On Policies, choose Report an incident and describe what happened. The facts go to your agent, who handles the claim with your carrier, and they are notified the moment you file. A policy with no agent on PolicyVera keeps the report in your records only; Find an agent for this policy shows who can take it on.

Your proof is the document itself: the ID card or declarations page on Policies, or the closing documents your agent delivered. Download saves a copy and View dec page opens it. Add ID card, at the top of Policies, keeps your auto ID cards there too.

Yes. On your Insurance Profile, choose Request Documents. You authorize it with a quick e-signature, we email your agent, and their reply files to your profile automatically. It only asks for copies of your own documents; it does not change your agent or cancel your policy.

They need a binder: temporary proof of coverage your agent issues once you pick a policy, so your lender can clear the insurance condition before your closing date. On PolicyVera, the agent whose quote you accept issues it, and when your lender sent you here, the binder goes to them directly and a copy is saved with your documents.

Your quote request shows the binder as requested, then sent, with a copy saved in your documents. Your lender sees it on their side as received the same moment.

You land on your lender's page and start with the home already on file: the address, the closing date and what the loan requires. Quotes come from licensed local insurance agents in your state; you compare them side by side and pick your own agent. Your lender follows the progress and receives the binder, never your private messages or ID numbers, and where you get your insurance is always your choice.

Your lender updates it on their side and you get a notice with the old and new dates. The agents already working on your quotes are told too, and an open binder request takes the new date.

Complete Basic Info on your Insurance Profile, then open Shop: check the home or homes you are insuring, pick the agents you want to hear from, and send. The review step names who receives each request; an agent you picked who does not offer that coverage is named there and left off. Nobody else gets it. Quotes appear under My Quotes as they arrive, and you are notified.

Yes. On your Insurance Profile, choose Upload my policy page and add the declarations page for each policy. We read the carrier, the dates, the premium and the coverages from it, and agents quote from those facts.

My Quotes lays them out side by side, line by line, with the coverage limits, premiums and deductibles we read from each quote, and you can compare them with your current policy. PolicyVera does not rank, recommend or endorse a quote, and the order shown is not a recommendation. Choosing is between you and your licensed agent.

You tell that agent you are ready to move forward and choose how they may reach you: phone call, text or email. The agent then handles the application and signing with you and binds the policy; PolicyVera does not handle those steps. The other agents on your request see that you accepted a different quote.

The insurance agents you send a request to see what they need to quote you: your name, the property, your coverage details and any documents you attach. Insurance agents use your phone and email only to quote you until you pick your agent. Your number and email are masked on their screen, and every look at them is logged. Until you accept a quote or grant contact permission, your conversation stays in PolicyVera messages. Our own team can see it too when the work calls for it, to support you or fix a problem, never to advertise to you, and each time we open it, that access is logged.

It lets that one agent reach you directly, outside PolicyVera messages, by the methods you allow: phone call, text message or email. You choose it when you accept a quote, or for any agent you want to talk with. Nothing changes for the other agents on your request.

A lender sees your contact details, your quote progress, the quotes for the homes you share and your proof of coverage; never your other homes, ID numbers or private messages. A realtor sees milestones only, never prices, quotes or documents. You choose which homes, you can say no, and you can stop sharing at any time under Settings.

Settings holds Your lenders & data sharing and Your realtor & data sharing: stop sharing one home or all of them, or block a partner so they cannot ask again through PolicyVera.

The ones you choose in Settings: new quotes, new messages, request updates (closed, declined, policy bound), closing documents ready, policy renewal reminders, and suggestions from your realtor. In-app notifications are always on, and account and security emails are always sent.

Settings has Data Deletion: Delete my data removes your account and your data, and the page tells you what has to be kept for a time and why.

On Policies, choose Request a certificate. Type the certificate holder's name and mailing address exactly as they gave them to you, tick the coverages it must show if they told you, and send it to your agent. Your agent issues it through their carrier, and it files under Other Documents on your Policies page as soon as it arrives. You are notified when it does.

A certificate holder only receives proof that you are covered. An additional insured is added to your policy itself, which a lease or a contract can require. When you request the certificate, choose Also add them as additional insured and paste what requires it, such as the lease or the subcontract. Your agent and carrier handle the policy change, and your agent tells you if it affects your premium.

Yes. Choose who your insurance agent is and we email them the request with everything they need, remind them once if it stays quiet, and check in with you if nothing has arrived. When they reply with the certificate attached, it files to your Policies page automatically and you are notified.

The request reaches your agent the moment you send it, so timing depends on them. If you need it today, say so: open the submission and message the agent, or call them. The certificate files to your Policies page automatically whenever it arrives, and you are notified.

Fill out your business profile once: what your business does, the coverages you want, and the details that apply. On the Review step, tick the agents you want it sent to (they are licensed in your state) and send. Nothing is sent until you choose. Quotes and each agent's messages appear on your Submissions page, and you are notified when a quote arrives.

Yes. On the Insurance History step, upload your declarations pages, loss runs or application forms. We read the carriers, limits, class codes and dates from them and fill the matching fields. Your agent confirms the class codes when they quote.

General Liability, Property, Commercial Auto, Workers' Comp, Umbrella, EPLI, Pollution, Professional Liability (E&O), Cyber, Tools & Equipment, Liquor Liability, Cargo & Physical Damage, Directors & Officers, Crime & Employee Dishonesty, Garage Liability, Garagekeepers, and Abuse & Molestation. Pick any combination; the profile only asks for the details that apply to the coverages you choose.

Open the submission and read the quotes side by side. Ask for a change starts a conversation with that agent; Accept this quote, then Confirm accept, tells the agent to finalize coverage and start the policy. The other quotes stay available until your coverage is bound. Quotes are usually honored for about 30 days; after that, use Ask for updated quotes.

Only the agents you tick on the Review step. Sending directs us to share your profile, with your phone and email, with those licensed agents so they can prepare your quotes, and they may contact you directly about that submission. Your number and email are masked on their screen until they open them, and every look is logged. Nothing is sent until you choose, and agents you did not pick see nothing.

Only the agents you chose, and only about the submission you sent them. Some message you on your Submissions page first; some call, text or email to prepare your quotes, starting with the ways you picked on your profile. Nobody else receives your details, and we never sell them.

Policies holds your current and expired policies, other documents such as certificates, and your loss history, with your next renewal date at the top. After your agent binds coverage, the binder appears there as your proof of coverage until the carrier issues the final policy, and the policy follows when your agent delivers it.

Yes. A policy shows a renewal badge from 90 days out, you get reminders in the app at 60, 30 and 7 days, and emails at 30 and 7 days. Renewal reminders can be turned off in Settings.

Yes. On Policies, choose Get your documents and loss runs from your agent or insurer. We email the request to your agent (or your insurer, if you have no agent), and whatever they send back files to your account automatically.

Update your profile, then on Policies choose Send updates. Your agent receives exactly what changed since you last shared, plus any note or documents you add, and handles the policy change with your carrier. You see Sent, then Handled when they confirm.

If anyone is in danger, call 911 first. Then on Policies choose Report an incident: when and where it happened, what happened, and photos if you have them. Your agent is notified immediately, you see the confirmation when they acknowledge it, and they and your carrier handle the claim from there. Already called them? Send it anyway, so the details and photos are on record.

The request itself: the client's name, the property, the lines they want, their note, the documents they attached, and the closing date when a lender is involved, so you can decide in a glance. Requests sorts by newest, most urgent (closing date) or going stale soonest, and groups by stage or urgency. You are emailed for each new request, and texted if you turn text alerts on.

Yes. Accepting new clients, on Settings, pauses you: you stop appearing to new clients until you turn it back on, or on the date you pick (one week, two weeks or a date of your own). Open requests stay yours while paused, and you can schedule an away window ahead of time.

Settings has a Close your account card at the bottom. Closing takes you off PolicyVera right away: new clients can't find you, your open requests are declined with a note, your lender and realtor connections end, and a membership is canceled. Your profile, licenses and records are kept, hidden, so you can reopen the account any time by signing in and choosing Reopen my account. A request waiting on a binder, or a quote a client accepted, needs finishing first. Just stepping away? Use Accepting new clients instead. To have your personal data deleted, email privacy@policyvera.com.

Snooze it. It leaves your Active list until it wakes: on any reply, an acceptance, lender activity, or the date you pick. Only you see the snooze.

On Settings under Notifications, verify your mobile number with a code, then choose Text delivery hours: 8am to 9pm your local time, or any time including overnight. Texts cover new requests and new client messages. A binder request from a lender always emails you, since a closing depends on it.

Upload the carrier's quote PDF on the request and the form fills from it: each field shows what came from your document, and a banner names the fields to check before the quote reaches the client. You can add more than one quote per request, up to the limit the page shows. Submit Quotes sends them, and the client sees your quote side by side with the others.

Yes. Your video message on the request records from your camera or your screen (Chrome or Edge) and rides with your quote. The client sees a Video chip on your card and watches it there.

When the property's state requires it, yes: the request tells you which number appears and where the client sees it. If your number for that state is missing, the page asks for it before the quote sends.

Decline on the request or on its row. The client, or the lender who sent it, sees that you passed; a note, if you add one, reaches them word for word as a message on the request. There is no reason menu. In states that require written reasons, the dialog shows the notice, and Reconsider takes a decline back until the request closes.

You are notified, and the client chose how you may reach them. Bind the policy with them, then on the request attach the bound policy document and press Mark as Bound and send, and the client joins your Clients book. When a lender sent the deal, Also send to the lender as the binder emails it for closing and files a copy in the client's documents, with eight seconds to undo.

Contact details stay masked until the client grants contact permission; then the chips on the request become live links. To fill a carrier's rater before that, Copy or Show on the masked field gives you the value, every reveal is logged to your account, and the value is for quoting only until the client accepts your quote or grants contact permission. A closed request hides contact from everyone but the bound agent.

The Binder request card on the request lists it: the required dwelling coverage (Coverage A), the loan number and amount, the property, and the mortgagee clause with a copy button, so nothing is retyped. A loan with a second lien shows every mortgagee in lien order, each with its own copy button and loan number. Deliver binder sends it to the lender; you have eight seconds to undo, then the card shows when the lender viewed it.

Clients: everyone who accepted your quote and granted contact access, with the premium in force, who is renewing within 30 days, and who needs a follow-up.

A referral fee per line when you quote a new client. You pay for each client and line once: renewals and repeat quotes are not billed again. If a fee was credited back, the next quote to that client is billed once, shown before you send. A monthly membership is planned. Your exact pricing is shown at billing setup. Billing shows where you stand.

Apply at policyvera.com/agents/apply. After you verify your email, your license record fills in automatically and our team reviews your account. We email you as soon as you are approved, and quote requests from clients in your licensed states start arriving after that.

Agent Profile has View your public page. It goes live once your account is approved and your profile is saved, and it is hidden while you are paused. Your states show Verified from the license registry, and Google Reviews lets you link your Google Business listing so your live rating shows on the page.

The ones you turn on under Lines of business on your profile: auto, home, renters, condo, umbrella, flood, motorcycle, boat, personal articles, specialty and life. Your license record may suggest a line you hold; nothing is turned on for you.

Under Notifications on Settings, each event has an email switch: new requests, reminders for unquoted requests, binder requests (always emailed, since a closing depends on it), quote accepted, contact permission granted, new messages, request updates, and realtors you invite joining. In-app notifications are always on.

Commercial submissions: a business sends its profile to the agents it picks, and it lands under Requests with quotes, messages, decline and bind, plus the certificate, profile-update and incident tasks the business sends after you bind.

On your dashboard under Incident reports, and on the client's card in Clients under Incidents: acknowledge it, track its status and see the photos.

After you deliver a bound policy document, we read it and show you the record your client will see beside the document. Confirm it, or fix what was misread.

Settings, then Team: Add a team member emails an invitation, which lasts 14 days (Resend invite if it lapses). Principals manage everyone and the integrations; loan processors manage processors and loan officers; loan officers manage nobody; a developer seat reads borrowers and manages integrations. Branches group the team into offices.

Your logo, brand color, page headline and welcome line, set under Settings, appear on your page (the one your invite link opens) and at the top of the invite email, credited via PolicyVera. Until you set them, the page uses PolicyVera's default.

Send it to every borrower when they go under contract: they start their home insurance on your page. Invite link has the QR code, a prefilled email and a text you can send from your phone.

Import from the loan file: a MISMO 3.4 file or the 1003 PDF, up to 10 MB, fills the borrower, property and loan details. Or Add borrower by hand: name and email are required, and the phone is needed to quote. Either way the borrower is emailed right away with a link into their account, or a sign-in notice if they already have an account. Find & request agents sends quote requests in the same motion.

Yes, under Settings, Integrations. Loans you push land in Needs review, where you keep or dismiss them before they join your board.

Yes. Pick the agents, licensed in the home's state, and send; it works before the borrower activates their account, and the quotes email doubles as their nudge to sign in. A property address is required, and you pick agents by name.

Borrowers is the board: each file shows Needs insurance, Shopping, Insured or Closed, its quote progress, the last quote, the closing date, who it is assigned to, the insurance amount in the loan's payment estimate, and the last team action with who and when. Chips call out what needs you: a new reply, a quote to review, a binder to verify, agents declined.

Home, condo and flood quotes only, with the total, term, effective date, deductible, liability, endorsements and the PDF, for loan clarity. Accepting is the borrower's: they accept from their own account. You never see their private messages with agents or their ID numbers.

A borrower you add is assigned to you. Principals and loan processors can reassign; the new owner is notified and the previous one told. A file with no owner waits in the pool: anyone on the team can pick it up, or a principal or processor assigns it, depending on your team's setting. Developer and view-only seats cannot own files.

On the borrower's file, Request binder: the loan amount, the required dwelling coverage (Coverage A), the closing date, the loan number and the mortgagee clause, which prefills from the default you save under Settings. A loan with a second lien, such as down payment assistance or a piggyback loan, gets its second mortgagee clause and loan number through Add another mortgagee. One servicer means one clause: if the loan is sold, ISAOA/ATIMA covers the buyer. The agent and your borrower both see the request. The card then reads Awaiting agent, Received with the date, and Verified once you mark it.

Remind agent now on the binder card sends a reminder, once every 24 hours. Withdraw request cancels it; the agent and your borrower see the withdrawal, and you can request again any time. The closing date on the file helps the agent prioritize.

Update it on the file. Your borrower is always told, with the old and new dates; the agents already engaged on the file are told too, and an open binder request takes the new date.

The new owner is notified, the previous one is told, and the borrower gets a message in their thread naming the person now handling their closing, with what that role does and Reply here to reach them. Nothing is emailed for the handoff.

No. Clear to close is a loan stage you set on the file (In processing, Approved, Clear to close, Funded, Denied, Withdrawn). It is shared with the buyer's realtor only if the buyer allows it, as the stage name, never amounts or documents. The binder has its own ladder: requested, received, verified.

Choose them by name under your profile's notifications, and under Email delivery choose whether they arrive once a day at the hour you pick. Between 9 PM and 8 AM your time, deal emails wait until 9 AM; nothing is skipped. Bells in the app are always on. Deal emails go to everyone named on the borrower: the loan officer and the processor, each with their own choices.

Messages: every agent conversation on your files, newest first, with Needs reply and Handled, Mark as handled, and Open in workspace. Loan officers see their own borrowers and the unassigned pool; organization seats see everything.

The organization switcher at the top of the dashboard lists your organizations and pending invitations; pick one and the dashboard reloads for it.

Their consent page names you and your organization and says what you and your team would see: contact details, quote progress, the quotes for the homes they share, and proof of coverage; never their other homes, ID numbers or private messages. They can say no, choose which homes, and stop sharing under their settings at any time.

Open Invite buyers, type their name and email, and send. They get one email from PolicyVera saying you asked to follow their insurance progress, with a Review and decide button; the choice is theirs, and the link expires in 72 hours. You can add the property and a short personal note, and preview the email before it goes.

Your name and brokerage on the invite email and on the page where they decide, and your photo if you are a one-person office. They are told exactly what you would see: progress milestones only, never their prices, coverage, documents or messages. They can stop sharing with one click at any time.

Yes. Your page link, a QR code and a ready-to-send text or email are on Invite buyers. The link carries your name, so buyers who join from it credit you, and their progress lands on your board once they choose to share it.

No. A buyer gets one invite email from PolicyVera in your name, and if they decline, PolicyVera does not ask them again. Texting is yours to do: the ready-made text on Invite buyers sends from your own phone.

Your buyers board shows each buyer as Needs insurance, Shopping, Insured or Closed, with the steps underneath: quotes requested, quotes in, agent chosen, policy purchased, proof delivered to the lender. When proof reaches the lender, insurance is off your plate for that one. You are emailed at the moments you choose in Settings.

They accepted your invite but have not added a home yet. Their transaction appears on your board when they do, and updates as it happens. Nothing is needed from you.

Milestones and the number of quotes, plus a closing date you enter yourself. Never their prices, quotes, coverage amounts, insurers, documents, other homes or messages. The choice of agent, insurer and policy is theirs alone.

No. Buyers you invite see the lender and agents you work with as one-tap suggestions, labeled as your preference and never as a PolicyVera endorsement. Buyers always choose, and an agent you invite joins on the same terms as everyone else.

Open Partners and save your lender and the agents you work with; buyers you invite see them as suggestions. If a deal's lender is not on PolicyVera yet, Invite their lender on that buyer's card sends them an email from PolicyVera in your name.

Your page is what buyers open from your link. Profile shows it live, as buyers see it, with what is complete and what to add. A photo matters most: buyers recognize you when they accept your invite. You can also connect your Google listing so your live rating shows on your page; reviews stay on Google, and PolicyVera never holds or shows reviews.

Only the buyer updates you choose in Settings: invites accepted, declines, an agent passing on a request, a buyer connecting with your suggested lender, policies purchased, and proof of insurance delivered. Turning one off affects email only; your board still updates.