Built by former claims adjusters

Protect what you've built. Before you have to prove it.

AP Concepts turns your home into a fully documented, claim-ready record — every room, every item, every detail an insurer can't argue with. Built by people who spent decades on the other side of the claims desk.

Start your home record See a sample form
Trusted by homeowners in coastal, tornado, wildfire, and seismic risk zones

The real thing you're buying isn't a form. It's knowing that when the storm, the fire, or the quake comes, this is already checked off the list — before anything else.

Living Room · Record #04

Home Inventory

Claim Ready
Sectional sofa West Elm · Harmony · Purchased 2023 · $2,400
65" OLED TV LG · C3 Series · S/N LG3391X · $1,800
Persian area rug Hand-knotted · 9x12 · Appraised $3,100
Bookshelf + library Custom oak · 210 titles · $1,650
4 of 4 items documented Room total: $8,950
Why it matters

Risk isn't evenly spread. Your paperwork shouldn't be either.

Homeowners in high-risk regions face the steepest premiums and the most complicated claims — and the least room for error when it's time to file.

Annual homeowners insurance premium
$4,400+
average yearly premium in the five costliest states — over $2,000 above the national average
National average
$2,400
High wind-risk coast
~58% ↑
High wildfire-risk
~8% ↑
Top 5 costliest states
$4,400
Sources: U.S. GAO homeowners insurance report (2019–2024 data); Bankrate. Premium increases shown relative to medium-risk homes of similar value.

$100 billion+ in disaster losses

Extreme weather has inflicted over $100 billion in U.S. losses in four of the last five years alone.

Rebuilding costs keep climbing

Inflation has made repairs and replacements more expensive, widening the gap between what's insured and what's actually lost.

Claims are won or lost on documentation

Without an itemized, pre-loss record, adjusters default to conservative estimates — and underpay for what memory alone can't prove.

Decades on the inside

We've sat on the other side of the claim. That's exactly why this works.

AP Concepts wasn't built by software people guessing at what a claim needs. It was built by the people who used to process them.

Our team spent decades as licensed claims adjusters, in-the-field catastrophe responders, and claims specialists — the same system homeowners are up against the moment they file. We've walked the properties after the storm passed. We've written the estimates. We know exactly where an insurer has room to save money, and exactly how a thin file turns into a check valued below what it should be.

We built AP Concepts to close every one of those gaps before a claim ever gets filed — engineered from the inside out to hold insurers to the full value of the policy you've already been paying for.

30+
Years combined claims experience
✓
Direct catastrophe claims field experience
1
System built to work for you, not the insurer
What insurers look for

Vague descriptions

"Living room furniture" gets valued below market, because there's nothing specific to dispute.

→ Our forms force brand, model, and spec-level detail from the start.
What insurers look for

Missing proof of value

Without receipts or appraisals, adjusters default to the lowest reasonable replacement cost.

→ Every entry can carry its own photo and proof of purchase, attached at the source.
What insurers look for

Incomplete records

What isn't documented doesn't get paid for — memory alone rarely survives a cross-examination.

→ A room-by-room structure built so nothing gets skipped, on purpose or by accident.
How it works

Four steps, done once, ready forever.

Your form is customized to your actual home — its rooms, its risks, and your specific policy.

01

Walk your home

We generate a room-by-room form matched to your home's layout, so nothing gets missed.

02

Log each item

Brand, model, serial number, purchase date, and value — captured in fields built for exactly that.

03

Match it to your policy

Your form is customized to your coverage limits and endorsements, flagging items that may be underinsured.

04

Store & share instantly

When you need to file, your adjuster gets a complete, organized record in minutes, not weeks.

Point. Scan. Done. Coming soon

Logging an item won't have to take longer than owning it did.

This feature isn't in the current version yet — here's what's on the way. Snap a photo of the item, its model number, or its barcode, and AP Concepts will find the likely match and fill in the brand, model, and specs for you — no typing required.

1

Point your camera at it

A photo of the item itself, a printed model number, or a barcode will all work.

2

We'll find the likely match

The scan will search for the specific make and model and suggest the closest matches.

3

Confirm, and it's logged

Pick the right match (or adjust it) and it'll be added to your record with specs already filled in.

100 free scans planned for every home record

Want early access? This feature is still on the roadmap and isn't part of the current version. We'll let existing customers know as soon as it's ready to turn on.

Scan preview — coming soon
Samsung 65" QLED TV
Model QN65Q80C · Released 2023
96% match
What you get

Everything an adjuster needs. Nothing you have to reconstruct from memory.

Custom-built per home

Your form reflects your home's actual rooms and features — not a generic checklist.

Brand & spec level detail

Model numbers, serials, and specs, so replacement value isn't left to a claims adjuster's estimate.

Built for high-risk regions

Extra fields for wind, flood, fire, and seismic-specific coverage gaps and endorsements.

Photo & receipt attachments

Attach proof of purchase directly to each entry so nothing gets disputed later.

Faster claim filing

Export a claim-ready summary in one click, cutting the time it takes to file after a loss.

Always accessible

Stored off-site and available from any device — even if your home and its paperwork are gone.

Launch pricing — limited time
Pricing

Pick the level of documentation your home needs.

These are launch-only prices for the current version of the app. Once Smart Scan ships, pricing goes up — lock in your rate now.

Starter
$25$14.99 one-time
For a single, standard-size home. Good for a first full record.
  • Up to 6 rooms
  • Photo attachments
  • One-click PDF export
Get started
Most chosen
Complete Home
$50$25.99 one-time
For homes bigger than a basic starter — more rooms, more belongings, more to keep track of.
  • Unlimited rooms
  • Receipt + appraisal storage
  • Annual value refresh
  • Priority PDF export
Get started
Multi-Home
$100$49.99 one-time
For families spread across separate homes, owners of vacation or rental properties, and larger estates that outgrow a standard plan.
  • Everything in Complete Home
  • Covers separate properties under one plan
  • Off-site encrypted backup
  • Priority support
Get started
Questions

Good to know

Does this replace my insurance policy?+
No. AP Concepts documents what you own so a claim under your existing policy is faster and better supported — it doesn't provide coverage itself.
Why would I trust a company built by former insurance adjusters?+
Because we've spent our careers on the inside of the claims process, we know precisely where files fall short and get underpaid. We built AP Concepts using that experience — now working entirely on your side of the table.
What if I don't know the brand or model of something?+
The form guides you through a photo-based lookup and lets you describe items by feature when exact details aren't available.
Is my information stored securely, off-site?+
Yes. Your record lives outside your home so it's accessible even if your house and its physical paperwork are damaged or destroyed.
Can I update my record over time?+
Complete Home and Multi-Home plans include an annual refresh so new purchases and updated values stay current.
AP Concepts shield mark

The best time to protect what's yours is before anything happens.

It takes one afternoon. It can be worth thousands when it counts — and one less thing to think about when it does.

Start your home record