Coverage Checkup
Seven questions. An honest read on where you stand.
Not a quote and not a sales funnel, a quick self-check that tells you which parts of your coverage are worth a closer look.
Where are the gaps?
Answer all seven, then see your read-out. Everything stays in your browser. Nothing is sent to us unless you choose to get in touch.
What are your auto liability limits?
It’s on your declarations page, usually the first numbers listed.
Do you carry earthquake coverage on your home?
Does your policy cover sewer or drain backup?
It is almost always a separate endorsement, not automatic coverage.
Is your home insured at replacement cost, or actual cash value?
Actual cash value subtracts depreciation, which shrinks an older roof's payout a lot.
Do you have an umbrella (excess liability) policy?
When did someone last review your policies with you?
Are your auto and home/renters with the same carrier?
Here is what stood out. None of this is an underwriting decision. It is a list of things worth a real conversation.
Reading The Result
What the score does and does not mean
It is a prompt, not a price
The score reflects how many common gaps you avoided. It cannot see your actual policy documents, so treat it as a checklist.
Gaps are normal
Almost nobody scores 100 the first time. Most people have simply not looked at a policy since they bought it.
A review is free
We will read your current declarations pages and tell you what we see, whether or not you move your business to us.
Fixes are often cheap
Raising liability limits or adding an umbrella usually costs far less than people expect.
Where to read more
Want us to check the real documents?
Send your current declarations pages and we will give you a straight read.