Nobody should have to learn how insurance works on the worst day of their year.
Americans buy insurance they were never taught to read, and only find out what it really covers once something has already gone wrong. Koala exists to close that gap first, and to even the odds when an insurer lowballs someone anyway.
Understanding first
We teach you how your cover works before the day you need it.
You stay in control
Nothing leaves your hands unapproved.
Independent
Koala earns no commission, represents no carrier, and takes no cut of your claim.
Almost nobody reads their policy, and that is not laziness. A policy is a document written to be filed rather than understood, covering a system almost no American was ever taught. So people pay for years without knowing what they bought, and only discover the shape of their coverage at the exact moment it fails them.
Koala exists to close that gap. If you can see what your coverage should cost and why, and ask what an exclusion actually means and get a straight answer, then the worst day of your year is a problem you understand rather than one you're handed. That is what Koala is: your profile, your estimates with the arithmetic shown, and an advisor that explains the system instead of selling you something inside it.
And sometimes an insurer lowballs you anyway. Pushing back has meant learning insurance code yourself or hiring an adjuster or lawyer who takes a third of what you recover, so most people take the low number instead. That's why we built the claim check: the same firepower insurers use, pointed the other way, for one flat fee that never touches your settlement. It is an add-on, and we hope you never need it.
We're early, and we'd rather be honest about that than dress it up. But the conviction won't change: understanding what you already pay for shouldn't require a lawyer, and neither should being paid it.
The founding team, Koala
Four things we don't bend on.
An advocate is only worth having if you can trust whose side it's on. These are the commitments that decide how Koala is built.
- 01
Teach first, sell second
Understanding your coverage is not a premium feature. Your profile, your cost estimates, and every guide are free, because a person who understands what they bought needs us less, and we would rather build for that person.
- 02
Show the arithmetic
We never ask you to trust a number. Every estimate links to exactly how it was calculated, and every claim figure traces to comparable settlements and the actual state insurance code. You get evidence you can follow rather than adjectives.
- 03
Plain language, not legalese
You should be able to understand your own policy. We explain what a coverage does, and what you're owed and why, in words a person can read. Then we back it with the citations that make it stick.
- 04
You hold the pen
Nothing goes out in your name without you. Koala reads, researches, and drafts; you review, edit, and decide what actually gets sent. And when we do charge for a claim, it's a flat fee, never a slice of your settlement.
The average person shouldn't need a lawyer to understand, or to be paid, what their policy already owes them.
Why we started Koala
We're small, early, and heads-down.
Koala is built by a small founding team, focused on making the product genuinely good before we make ourselves look impressive. When there are real people and roles to introduce, they'll live here, by name, and only when there's something real to say.
Colophon
Introductions coming soon
We'd rather leave this space honestly empty than fill it with stock headshots and invented titles. When there are real people and roles to share, they'll live here.
We're not hiring yet.
And we won't post roles we can't fill just to look bigger than we are. But if leveling the insurance playing field is the kind of problem you'd give years to (in engineering, claims expertise, or design), we'd still like to know you exist.
Not here to work with us? The best way to understand what we're building is to build a profile and see what your coverage should actually cost.
Start freeHave a question about any of this?
Ask the advisor. It's an AI that teaches you how insurance actually works in plain English: what a coverage does, what a word on your policy means, and what happens next. Nobody is trying to sell you a policy at the end of it.
Every account gets 10 questions a month, free. They come back on the 1st.
Koala advisorAsk anything- What does an umbrella policy actually cover?
- How does a deductible work on a homeowners claim?
- What is an adjuster allowed to ask me for?