Rafter

Rafter is a home management membership that continuously monitors your home to catch risks early, find savings, and handle coordination so you don't have to. It combines connected device data, public records, inspection reports, and utility data into a comprehensive home health record, with an AI assistant (Ezra) and real human advisors available 24/7.

What is Rafter?

Rafter is a home management membership that uses AI, expert advisors, and continuous monitoring to protect your home and save you money. It takes your home address as input and outputs a monitored home record, savings opportunities, and proactive actions. It runs as a web platform. The product is built by the company Rafter (name stated on the page).

Key Features

• Continuous Monitoring — 21 monitors track risks, weather exposure, system health, and more 24/7/365, catching issues before they become expensive.
• Savings Detection — Scans for insurance credits, contractor discounts, and preventive fixes, with members averaging $847 in savings per year.
• Ezra AI Assistant — An intelligent home assistant available 24/7 to answer questions about insurance, maintenance, and more (free, no account needed for basic questions).
• Home Health Data — Builds a complete picture of your home from connected devices, public records, inspection reports, and utility data.
• Home Advisors — Real experts available for complex claims, contractor vetting, and human-touch situations.
• Claims & Premium Protection — Helps avoid claims and premium hikes, saving members an average of $3,000 in avoided costs.

Who is it for?

• New homeowners — Get a complete home record and proactive monitoring from day one, avoiding costly surprises.
• Busy families — Delegate home management to Rafter, saving over 30 hours per year of time spent on home tasks.
• Cost-conscious homeowners — Discover insurance credits and contractor discounts you didn't know existed, with 85% of members seeing savings in the first 30 days.

What can you do with Rafter?

• Find hidden savings: Rafter scans for insurance credits and discounts — like a 7% discount for monitored leak detection — and handles filing, saving you $600+ per year.
• Avoid costly repairs: Continuous monitoring catches risks early (e.g., leak detection, weather exposure), preventing damage and premium hikes.
• Get expert guidance: Ask Ezra about any home question (inspection reports, when to call a pro) or escalate to a human advisor for complex claims or contractor vetting.

How does Rafter work?

1. Enter your address — Rafter automatically builds your Home Record from thousands of data points (age, structure, hazard exposure, systems history).
2. Rafter monitors continuously — it watches for risks, credits, and savings opportunities.
3. Your advisor acts on your behalf — coordination, filing, and follow-up are handled by the system.

Pricing

Rafter is a paid membership service, with a free trial offered. Specific tier names and dollar amounts are not disclosed on the page.

FAQ

Is Rafter free to try?

Yes, Rafter offers a free trial — you can sign up at app.rafterhome.com and start monitoring your home without immediate payment.

How does Rafter find savings?

Rafter scans your insurance carrier's discount programs, public records, and your home's data to identify credits and discounts you qualify for, then handles the paperwork.

Does Rafter require hardware installation?

No, Rafter works with data from existing connected devices, public records, and utility data — no new hardware is needed, though it can integrate with your existing smart home devices.

Can I ask Ezra without an account?

Yes, the Ezra AI assistant is available for free, no account required, for basic home questions.

What happens after my free trial?

After the trial, you can subscribe to the paid membership to continue full monitoring and advisor services.