U.S. nonrenewals · 2024
2.05%
A renewal isn't a certainty.
The national weighted-average homeowners insurance nonrenewal rate in 2024, up from 1.36% in 2023.
2024 rate · reported September 2025
U.S. Treasury · page 74 (opens in a new tab)About us Policy Angel
We help youknow, watch, unlock, and prove.
For the home you worked for.
And the people you’d do anything for.
We’re building a clearer place to begin—so being a homeowner feels a little less like figuring it all out alone.
The story behind Policy AngelOur purpose, in four words.
The homeowner reality
Every Number Has A Front Door.
Behind the paperwork is a home, a family and a future worth being ready for.
Hurricane Milton · Florida
95,845
A claim can close without a payment.
Homeowners claims reported closed without payment. Reasons include damage below the deductible, coverage exclusions and other closures—not all denials.
Insurer-reported snapshot · December 9, 2025
Florida Office of Insurance Regulation (opens in a new tab)
Hurricane deductible · Example
$15,000
Know the deductible before the storm.
A 5% hurricane deductible on $300,000 in insured dwelling coverage equals $15,000. Your policy determines what applies.
Illustrative calculation · not an average
Florida DFS · deductible guidance (opens in a new tab)
Claim notice · Florida
1 year
Reporting has a deadline.
Florida generally requires initial and reopened property claims to be reported within one year of loss. Supplemental claims generally have 18 months from loss. Exceptions apply.
2026 Florida Statutes · § 627.70132
Read the Florida statute (opens in a new tab)
Grant Locator
A Thousand Possibilities.
A Search Built Around You.
There may be help for your home that you haven’t heard of. We bring property information and program data together, so you have a clearer place to start.
Your home changes the search.
Illustrative scan
Florida catalog
1,000+
Programs across state, local and utility support. Your address narrows the search.
Catalog scope · October 2026
Property factors
Your home
Location, property type and building age help shape the possibilities.
Built around the property
Personal factors
Your situation
Income, owner occupancy, age and utility territory can change which programs fit.
Details matter
Program example · up to
$10,000
My Safe Florida Home support for approved wind-resistant improvements.
Review program requirements (opens in a new tab)
A catalog of possibilities, not confirmed eligibility. Program availability, approved work, matching contributions and funding limits apply.
Connected APIs.
A broader view.
A broader view.
Federal program APIs
Grants.gov · SAM.gov
Opportunity data and assistance listings.
Funding context
USAspending API
Federal grant totals that inform the wider picture.
Local & utility data
State, local & DSIRE
Program catalogs and energy-incentive datasets.
The next step starts with your home.Potential support comes from program providers; Policy Angel helps you find the path.
Get StartedOur story so far
Nearly two years in the making.
Behind every address is someone trying to care for what matters. We started Policy Angel to bring that person into the center of the picture—with a little more clarity, a little more support, and less to carry alone.
Explore the homeowner journeyThe work keeps growing. The reason stays close to home.
The beginning
A question worth staying with.
The home holds so much of a family's life. We began asking how the person caring for it could have more information, more support, and a clearer place to begin.
Looking beyond the policy.
We looked beyond the insurance document: at policy connection through INSURGRID and recovery resources such as the American Red Cross. Both helped shape our direction—readiness before hardship, and a place to turn afterward.
More context. More possibilities.
We connected property information with funding pathways. The goal was personal: help someone understand the home they have and find programs that may offer a way forward.
June–July 2026
A witness. A lasting record.
Guardian's weather context and the Vault's connected records began bringing the event and its documentation closer together. Because after a difficult moment, remembering what happened should not become another burden.
Opening the journey.
We made the connected experience easier to explore through our Customers page. Homeowners can see how the pieces fit together before deciding where their own journey begins.