Two different ideas of a home app
Dibis built around the idea of “chatting with your home.” You photograph the things you own, and Dib identifies them, finds their manuals, estimates their value, and checks them against government recall databases. An AI assistant then answers questions from your own records, like when the water heater was installed or what filter the furnace takes. Around that core, Dib adds vehicles, a design studio, live weather and flood data, gamified home-care quests, and a separate product for landlords. It is a broad, consumer-first app, and it is available now on iOS, Android, and the web.
MyHomePlatform, which we are building now, starts from a narrower question: if something happened to your home tomorrow, would your insurance actually cover it? You will add what you own, and the app will total its replacement cost and compare it to your policy's limits. If there is a gap, you will see it in dollars. The same record will hold your closing documents, policies, warranties, and receipts, so it is ready when a claim, a sale, or a refinance comes up. It will reach homeowners through insurance agents, who pay for it because a client who sees a coverage gap calls them to fix it.
Neither approach is wrong. They suit different people, and some households will want both. The comparisons below describe MyHomePlatform as planned for its first version; Dib's features are available today.
Feature by feature
Building your inventory
Dib's Smart Add is its standout feature: point your phone at an item and it fills in the details, which takes much of the tedium out of a room-by-room inventory. The free plan includes four Smart Add scans a month, and Pro makes them unlimited. MyHomePlatform is planned to use photos with replacement values, with a focus on getting each item's replacement cost right, because that number drives the coverage check. If speed of data entry is your priority, Dib is the choice today.
Insurance coverage
This is the biggest difference. Dib does not store your policy limits or compare your belongings against them. MyHomePlatform is being built to do that continuously: as you add items, it will recalculate whether your personal property limit covers what you own and show the shortfall if it does not. Underinsurance usually goes unnoticed until a claim, when it is too late to fix. If that is the risk you care about, a coverage check is the feature that matters. You can try the math yourself with our personal property coverage calculator.
Documents
Both apps store receipts, warranties, manuals, and policies. Dib goes further on automation: it extracts fields such as warranty dates and totals from uploads and lets you forward emails into your account. MyHomePlatform's planned document vault is organized around the moments you will need it, such as a claim, a sale, or a refinance, with exportable reports for each on the roadmap.
Maintenance
Dib sends maintenance reminders today, along with a daily briefing and gamified checklists that some people find motivating. On MyHomePlatform, a scheduled maintenance log with reminders is on the roadmap but not yet available, so Dib is the better choice if maintenance tracking is your main need right now.
Recalls, vehicles, and extras
Dib monitors your items against CPSC, NHTSA, and USDA recall databases every day, tracks vehicles by VIN, and includes an AI design studio for visualizing rooms. MyHomePlatform has none of these planned for its first version. If recall alerts or vehicle records are important to you, Dib is the better choice.
Platforms
Dib has native iPhone and Android apps plus the web. MyHomePlatform is planned to run in the browser on any device, with no app to install, which makes it easy for an agent to share with a client but means no native mobile features.
Pricing and who pays
Dib is free to start, and its free plan is generous: unlimited items, photos, and documents, recall monitoring, reminders, vehicles, and family sharing. The limits are on the AI features. Pro costs $10 a month per property, billed annually at $120 a year, so owners of several homes pay for each one.
MyHomePlatform will be free to homeowners when an insurance agent provides it. The agent will pay a per-client fee, because a homeowner who discovers a coverage gap usually wants to talk to their agent about fixing it. That alignment is deliberate: the product is useful to you only if its numbers are honest, and it is useful to the agent only if you trust it. A direct tier for homeowners without a partnered agent is planned for 2027.
The trade-off is access. You can download Dib today. MyHomePlatform is not available yet; you can join the waitlist.
Using both
The two will not be connected, but they will not be mutually exclusive either. A reasonable setup for a homeowner who wants everything is to use Dib for day-to-day item tracking, manuals, recalls, and vehicles, and to run a coverage check at each policy renewal to confirm that the limits still match what you own. Until MyHomePlatform launches, our home insurance coverage calculator and personal property calculator are free and need no account.
If you are coming from Centriq
Centriq shut down on January 31, 2026. Its strengths were appliance manuals, maintenance guidance, and recall alerts, which map closely to Dib's feature set, and Dib released a free Centriq import tool. If that is what you used Centriq for, Dib is the more natural replacement. Our Centriq alternatives guide covers the other options and how to rebuild your records if you did not export them in time.
Data, privacy, and who the app works for
A home record holds some of the most sensitive information you have: what you own, where it is, what it is worth, and copies of your policies and closing documents. Before you commit years of records to any app, it is worth asking three questions.
Who pays, and what do they get? Dib is paid for by its subscribers, which keeps its incentives simple: it earns more by being useful enough that you upgrade. MyHomePlatform will be paid for by insurance agents, and the product is designed so that the agent gets value from one thing, a client who sees a coverage gap and asks for help closing it. Both models are straightforward; the one to be wary of in this category is an app whose recommendations for contractors or insurers are paid placements you cannot see.
Can you take your records with you? The Centriq shutdown showed how much a missing export can cost. MyHomePlatform is designed so that homeowners own their data and keep read-only access if the agent who provided it stops paying. Dib offers exports on its plans. Whatever you choose, export periodically and keep original receipts and manuals in a folder you control.
What happens to AI features?Dib's AI features read your documents to answer questions and identify items. That is what makes it convenient, and it is worth reading its privacy policy to understand how that data is processed. MyHomePlatform does not plan AI chat over your records in its first version.
Getting started with either
With Dib, download the app, create a free account, and start with the rooms that hold your most valuable items; the four free Smart Add scans each month go further if you spend them on electronics and appliances with hard-to-read labels. MyHomePlatform is not available yet, so join the waitlist to hear when it launches. It is being designed so that setup takes about ten minutes: your address, your policy limits, and photos of a handful of items will be enough for a first coverage check. In the meantime, our free calculators run the same math without an account.
The bottom line
Dib is the complete consumer app you can use today, with the best free plan in the category and AI that does much of the work for you. MyHomePlatform is being built to do one thing Dib does not: tell you whether your insurance covers what you own, and put that answer in front of the person who can fix it. If you need a home app now, Dib is the answer; if the coverage question is the one that worries you, join our waitlist and use the free calculators until we launch.