# Re_Tera: Insurance Copilot — Claim-ready, know your policy > Claim-ready, know your policy (iPhone/iPad app by Bonjuur, INC.) - Source: https://appshunter.io/ios/app/re-tera-insurance-copilot/id6776045760 (this page in markdown: same URL + `.md`) - Developer: [Bonjuur, INC](https://appshunter.io/developer/1683624644) - Category: Finance, Productivity - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 18.0 · 43 MB - Languages: American English - Released: 2026-06-26 - Data updated: 2026-07-24 - User reviews in markdown: https://appshunter.io/ios/app/re-tera-insurance-copilot/id6776045760/reviews.md ## What is Re_Tera? Most homeowners and renters never read their insurance policy, or write down their belongings, until a fire, flood, or burglary forces them to. By then the fine print is locked in, and the carrier has already decided what it will and will not pay. Re_Tera is an AI policy investigator with a home inventory built in. Upload your homeowners or renters policy and Re_Tera reads it the way your carrier reads it: looking for the coverage gaps, sublimit traps, and exclusions that turn into denied claims for your personal property. You get a plain-English breakdown of where you stand, before a loss ever happens. WHAT RE_TERA DOES Investigation. Upload your policy and Re_Tera cross-checks coverage limits, sublimits, exclusions, and the named insured against your state's insurance code and the denial tactics carriers actually use. Every finding points to the part of the policy behind it. Ask follow-up questions in plain English and get answers grounded in your own document. Inventory. Build a dated record of what you own: photos, receipts, appraisals, and even a video walkthrough of each room, kept in one place and exportable as a PDF. Carriers ask for proof on day one of a claim. The day a loss happens is the wrong day to start hunting for receipts. Renewal coach. Carriers add exclusions, reclassify risk zones, and change sublimits at renewal. Re_Tera watches your renewal date, re-investigates the new policy, and hands you specific questions to ask your agent before you sign. WHOSE SIDE WE ARE ON Insurance gaps hit a starter home the same way they hit a larger one: the carrier behaves the same way at claim time. Re_Tera is built for everyday homeowners and renters with real assets at stake. We answer to you, never to your carrier. We take no commission, referral, or contingent fees from any insurance company. Re_Tera is not an insurance company, broker, agent, public adjuster, or law firm, and does not provide legal advice. It is educational information to help you understand your own policy. Always verify against your policy and consult a licensed professional before acting. PRICING Start with a 30-day free trial. No card required. After the trial, continue for $3.99/month to keep full access. Subscriptions are billed through your Apple ID and renew automatically unless canceled at least 24 hours before the end of the period. Manage or cancel anytime in your App Store settings. Terms of Use: https://getretera.com/terms ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Re_Tera | $3.99 | per month | ## Version history (last 3 releases) ### 2.0.0 — 2026-07-23 Scanned and photographed policies now upload reliably. Your iPhone reads the text on-device with Apple Vision, so a scanned declarations page no longer comes back empty. Uploads no longer fail if your connection drops mid-read. The app hands the reading off and fills in your policy page as it completes, so you are taken straight to your policy instead of waiting on a live connection. ### 1.9.0 — 2026-07-15 Re_Tera now preps you for the calls that decide your coverage. CALL PREP. A four-part briefing before you call your carrier: ideal outcomes, common pitfalls, what they will ask you, and what to ask them. Built from your actual policy. PRACTICE THE CALL. Rehearse with an AI playing the agent, then get a debrief: what worked, what to tighten, and the discount questions you forgot to ask. VERDICT CARDS. Findings now lead with the verdict, then how you can handle it, with typical savings shown as percentages. CLEARER EVERYWHERE. One disclaimer per screen, and error messages that say what actually happened. Plus a launch fix for the latest iOS. ### 1.7.2 — 2026-06-26 No release notes. ## More apps by Bonjuur, INC - [Bonjuur](https://appshunter.io/ios/app/bonjuur/id6448133668) All apps by Bonjuur, INC: https://appshunter.io/developer/1683624644 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-24.*