Insurance, explained like you're new to it.
Learn how your cover actually works before the day you need it to. What each coverage really does, what the language on your policy means, and what an adjuster can and cannot ask of you. Koala teaches. It doesn't sell you a policy, and no agent will call you.
Start where you are
Something happening right now, or getting set up before it does — one button, and Koala takes you to the right place.
Emergency help never needs an account. 10 free questions a month on every account.
Everyone who'll explain it is selling you something.
Most people meet their policy properly for the first time on the worst day of their year, working out what “actual cash value” means with a claim already open. Until then, everyone offering to explain it is paid a commission on what you buy next.
Koala sells no policy and takes no commission, so it has no reason to shade the answer it gives you.
10 questions a month, free, on every account. They refresh on the 1st.
Ask it this
- What a coverage actually does: what comprehensive covers that collision doesn't, and what your liability limit really stands between.
- What the language on your policy means: actual cash value, recoverable depreciation, the appraisal clause, and where each starts costing you.
- How a claim actually runs: what an adjuster does, what a denial letter is obliged to tell you, and what generally comes next.
It won't do this
- It won't recommend an insurer or a policy. No carrier pays Koala anything, so it has nothing to steer you toward.
- It won't give you legal advice. It explains how the system works; it is not a lawyer and Koala is not a law firm.
- It won't invent an answer. It is instructed to say "I don't know" rather than guess at a statute, a deadline, or a number.
Three questions, and the one it won't answer.
An advisor is only as trustworthy as the things it declines to say, so this example ends on a refusal rather than burying it in the small print. It explains a coverage, admits it doesn't know a deadline instead of inventing one, and then turns down a legal question outright.
Koala advisorThis one's real: your question opens the advisor with it ready to send. Every account gets 10 free questions a month.
Wondering what your coverage should cost?
The advisor explains how insurance works. This tells you what it goes for. Tell Koala about your household and it estimates the annual range, then shows you the arithmetic it got there by.
- 01
Tell Koala about you
Household, vehicles, pets, your home, and what you care about most in a policy. It saves as you type, privately in your browser, so you don't need an account and you won't have to type it again later.
- 02
See what coverage costs
Estimated annual ranges across auto, home, renters, health, and pet. Each one is filtered by the coverage level you're actually considering, not the cheapest tier on the page.
- 03
Understand the number
Open any estimate and Koala shows the data source, the year, the assumptions it made about you, and the arithmetic, step by step. Nothing is a black box.
All five lines show their work.
Koala estimates a range, tells you the tier it assumed, and hands you the arithmetic. It will not quote you, sell you anything, or tell you what to buy.
Not a quote.
Koala computes numbers. It never recommends. Every estimate carries the same line, word for word:
Estimated range based on published state/national rate data for similar profiles. This is not a quote and not an offer of insurance. Actual pricing depends on the specific insurer's underwriting and may differ from this estimate.
Auto
Cars, trucks, and the drivers on them
- Coverage levels
- State minimum · Standard · Full coverage
Home
A home you own
- Coverage levels
- HO-3 · HO-5
Renters
Belongings in a place you rent
- Coverage levels
- Standard · Extended
Health
Medical coverage for your household
- Coverage levels
- Bronze · Silver · Gold
Pet
Vet bills and pet health plans
- Coverage levels
- Accident only · Accident & illness
What each policy covers, what moves the price, and what Koala can't see.
A range, with its arithmetic attached.
Not a quote, and not a number Koala made up. Every estimate names the dataset it came from, the factor it was scaled by, and the band it could be wrong within, so you can check the work instead of trusting it.
Koala estimateSampleEstimated annual cost · Auto
$1,795 to $2,693
$1,700 base × 1.32 full coverage = $2,244 · band ±20%
- One vehicle, one driver, and your state's published average annual expenditure.
- Scaled to full coverage: the tier you picked, not the cheapest one on the page.
Sample
Estimates built from published rate data
NAIC
Auto expenditure averages
as of 2023
III
Homeowners & renters premiums
as of 2023
KFF
Marketplace benchmark premiums
as of 2024
NAPHIA
Pet insurance premiums
as of 2023
Koala is independent and sells no insurance. It reads public rate data; it does not receive pricing from carriers, and it is paid no commission on anything you buy.
Already have an offer on the table?
Koala is built mainly to help you understand your coverage. But if a claim has already been underpaid or denied, the same profile you built goes to work: Koala reads your documents, checks the offer against comparable settlements, and drafts the demand letter, citing the state insurance code that applies.
- 0%
- Of your settlement: Koala never takes a cut
- $25
- One time, never a percentage of your payout
- 6
- Stages, including one checkpoint that's yours
- 01Intake
Koala reads every photo, policy page, and adjuster report, and pulls out the facts that matter.
- 02Research
It searches real settlements and pulls the state insurance codes that back up your claim.
- 03Analysis
It calculates what you're actually owed and measures the gap against the insurer's offer.
- 04CheckpointYour call
Before anything is written, you get the final say. Nothing goes out without your review.
- 05Drafting
Koala drafts your report and a firm, professional demand letter that cites the evidence.
- 06Delivery
You get polished PDFs to download or email, ready to send to your insurer today.
You get the same firepower without giving up a percentage.
If you do end up disputing a claim, a public adjuster or a lawyer can fight it, and take a cut of whatever you win. Koala gives you the same leverage for a flat fee.
| RecommendedKoala | Public adjuster | Lawyer | On your own | |
|---|---|---|---|---|
| What it costs | $25 one time, less on a plan | 10% to 15% of payout | ~⅓ contingency | Free |
| How long it takes | Minutes | Weeks | Months | Up to you |
| Takes a cut of your settlement | ||||
| Comparable settlements | ||||
| Demand letter written for you | ||||
| Available the moment you need it |
The letter that does the work.
Koala is pre-launch, so we won’t put words in a customer’s mouth. Here’s the thing itself: the demand letter Koala drafts from your claim, and the one line insurers actually answer to.
It cites the actual statute
Not “you underpaid me.” The specific code section your insurer is on the hook for, quoted in writing. That is the line an adjuster cannot wave off.
Every figure traces to your documents
The gap Koala names is built from your own policy, estimate, and the insurer’s letter, not a guess. You can see where each number came from.
Ready to send, and yours to edit
Koala drafts it; you review every line and decide what goes out. Nothing leaves your hands without you.
- Re:
- Underpayment of Claim No. ████-████████
- To:
- Claims Department, ████████ Insurance
Your settlement offer of $██,███ falls materially below the replacement value documented in the enclosed estimate and comparable settlements.
This underpayment is inconsistent with Tex. Ins. Code § 542.058, which governs the timely and fair payment of a covered claim. We request re-evaluation and payment of the $█,███ balance within 14 days.
Prepared with Koala · reviewed and sent by you.
The part that matters is free.
Your profile, your cost estimates, every guide, and 10 advisor questions a month are free. Not a trial, not a teaser. Paid plans raise that allowance and put a stronger model behind it. And if a claim goes wrong, the claim check is $25, less on a plan, and free on Gold.
- Never a percentage of your settlement
- No commission from any carrier, ever
- Everything free while Koala is in beta
Free
10 advisor questions · $25 claim checks
Free
Bronze
50 advisor questions · $10 claim checks
$50/3 months
SilverMost picked
150 advisor questions · $5 claim checks
$100/3 months
Gold
Unlimited advisor questions · claim checks free
$250/3 months
Claim check
One claim, one flat fee. Never a percentage. Less on a plan, free on Gold.
$25one-time
The reasons to trust Koala are built into how it works.
Koala is pre-launch, so it has no customer logos or testimonials to show you, and it won't invent any. What it has instead is a structure with no room to work against you.
Nothing to sell you
Koala sells no policies, represents no carrier, and takes no commission. It has no financial stake in which coverage you pick, which is exactly why it can afford to just show you the numbers.
Why Koala exists →The arithmetic is shown
Every estimate names its data source, the year the figures describe, the coverage level assumed, the band around the midpoint, and the levers it could not see. You can check the work.
See the data behind each line →You approve everything
No demand letter, appeal, or document reaches your insurer until you have read it and said yes. Koala drafts; you decide. It is not a law firm and gives no legal advice.
Walk through the process →Your documents stay yours
Your profile and claims are scoped to your own account at the database level, and the claim files you upload are read to answer your claim, not sold, and not used to sell you anything.
Read the security posture →
Questions people ask first
The things worth knowing before you hand Koala anything.
What is Koala, exactly?
Koala does two things, in order. First, it teaches you how your own coverage works: you build a profile once, and Koala estimates what your coverage should cost using published rate data, showing the arithmetic behind every number. Second, if a claim you've filed comes back denied or lowballed, it reads the insurer's documents and drafts your response. Teaching you the coverage is the main product, and the claim work is the backup for when it goes wrong.
What does it cost?
Your profile, your cost estimates, and every guide are free, and stay free. So is the advisor, up to 10 questions a month on every account. A plan is what you buy when that isn't enough: it raises the allowance, puts a stronger model behind it, and cuts the price of a claim check. The claim check itself is a separate one-time charge, $25 with no plan, $10 on Bronze, $5 on Silver, and included at no charge on Gold.
Do you take a percentage of my settlement?
Never. A public adjuster typically takes 10% to 15% of your payout, and an attorney can take a third. Koala's claim check is a flat fee, $25 at most and less on a plan, whether your claim settles for $2,000 or $200,000. Every extra dollar you recover stays with you.
Are you selling me insurance?
No. Koala sells no policies, represents no carrier, and earns no commission on anything you buy. It has no financial interest in which coverage you choose, which is the whole reason it can afford to just show you the numbers.
Where do your numbers come from?
Published aggregate rate data: NAIC and III for auto, III for home and renters, KFF for health, NAPHIA for pet. Every estimate names its source, the year the figures describe, the coverage level assumed, and the band around the midpoint. You can check our work, and you should.
Is an estimate the same as a quote?
No, and the difference matters. A quote prices you: your record, your credit, your claims history. Koala prices the market you're shopping in, from public averages. Use it to judge whether a real quote is reasonable, never as a replacement for one.
Is Koala a law firm?
No, and it doesn't provide legal advice. It's an educational tool and a claims advocacy tool. Reports, demand letters, and advisor answers are informational, you approve everything before it's sent, and results vary from claim to claim.
Want to check the numbers yourself? Read the methodology for every dataset, the arithmetic, and what Koala can't see.
Start where it makes sense
Stop guessing what you're paying for.
Ask Koala how any of it actually works and get a straight answer from something with no commission riding on it. Then, if you want, see what your coverage should cost. You won't need a card, and nobody will call you.
- 5
- Lines of insurance estimated
- 0
- Recommendations: the choice stays yours
- Shown
- The math behind every figure
- Estimates, never quotes or offers
- Koala sells no insurance and takes no commission
- Not a law firm · not legal advice