Rafter is a home management membership that continuously monitors your home for risks, insurance credits, and savings opportunities, then acts on your behalf via its AI assistant Ezra and a team of real home advisors.
What is Rafter?
Rafter is a connected home service that combines always-on monitoring, AI-driven savings detection, and expert human guidance into a single membership. You provide your home address (and optionally your insurance carrier for savings estimates), and Rafter pulls data from connected devices, public records, inspection reports, and utility data to build a living Home Record. It then surfaces actionable alerts—like a 7% insurance discount for a leak detection sensor—and handles coordination end-to-end. The service runs as a web app at app.rafterhome.com and is backed by a dedicated advisor team.
Key Features
- Always-on monitoring — 21 monitors track risk signals, weather exposure, and system health 24/7/365, catching issues before they become expensive.
- Savings detection — Scans insurance discount programs, contractor deals, and preventive fixes; members save an average of $847 per year (85% realize savings in the first 30 days).
- Ezra AI assistant — An intelligent home assistant available 24/7/365 for instant answers (free, no account required) on topics from inspection reports to repair timing.
- Home Advisors — Real experts handle complex claims, contractor vetting, and follow-ups—members report avoiding $3,000 in claims and premium hikes.
- Savings Estimate tool — Enter your zip code and insurance carrier to receive a personalized estimate of available credits and savings; calculate at rafterhome.com/#savings-estimate.
- Home Health Data aggregation — Builds a complete picture from public records, connected devices, and utility data without requiring manual input.
Who is it for?
- Homeowners who want to prevent surprise repairs — Rafter catches risks early (weather exposure, system health issues) and coordinates preventive fixes before they escalate.
- New homeowners managing their first property — Get a complete Home Record and continuous guidance on maintenance, insurance, and contractor decisions without learning the ropes alone.
- Anyone tired of reading insurance fine print — Rafter scans your carrier’s discount programs and files the paperwork, surfacing credits like a 7% leak-detection sensor discount worth ~$600/year.
What can you do with Rafter?
- Catch hidden insurance credits: Rafter identifies unused discounts (e.g., monitored sensor programs) and handles setup and filing—one member saved $600 per year with a single recommendation.
- Avoid costly claims: Continuous monitoring flags risks (e.g., freeze warnings, system failures) early, cutting avoided claims and premium hikes by an average of $3,000.
- Get expert help with contractors: Rafter finds vetted pros, reviews estimates, and follows up—so you never feel taken advantage of during repair conversations.
How does Rafter work?
- Enter your address — Rafter pulls thousands of data points (age, structure, hazard exposure, systems history) to build your Home Record automatically.
- Continuous monitoring — 21 trackers watch for risks, savings opportunities, and system health issues around the clock.
- Advisor acts on your behalf — Your assistant handles coordination, from filing insurance paperwork to scheduling vetted contractors. Members see first savings within weeks.
Pricing
Freemium. Rafter offers a free trial—sign up at app.rafterhome.com to start monitoring and savings detection with no upfront payment. No paid tier details are displayed on the public site.
FAQ
