Insurance Confidence Center
Insurance Confidence Center

Insurance Confidence Center

Every coverage decision, made with confidence.

Free tools to understand your insurance protection — real numbers in about two minutes, no login, no quotes, no pressure.

Start with Replacement Cost Reality Check → See all 23 tools
1 Pick a question 2 Move the dials 3 Talk it through

Or start with the full picture

Coverage Confidence Check

About five minutes, across your home, vehicles, liability and belongings — one clear reading at the end.

Take the check

Free · no login · no credit check

Your answers stay private Results as you type No account needed No quotes, no pressure

The toolkit

23 tools for the questions people actually ask

Each one takes a couple of minutes and shows its own method, so you can see exactly where the number came from.

★ Start here Replacement Cost Reality Check A rough, educational rebuild-cost band for your home, next to your current dwelling limit. Open →

Your Home

Condo HO-6 Gap Check What your association's master policy leaves to you — deductible assessments and interior finishes. Open → Deductible Shock Check See the actual dollars you would pay out of pocket on a claim — and whether your savings could absorb them. Open → Flood Exposure Check Your home policy excludes flood entirely, and flood policies cap out. See what sits above both lines. Open → Loss of Use Runway If your home were unliveable tomorrow, how many months would your policy actually house you? Open → Ordinance or Law Gap Rebuilding an older home means meeting today's codes. See how much of that your policy sub-limit actually covers. Open → Roof Settlement Check An ageing roof is often settled at a fraction of replacement cost. See what your policy basis would actually pay. Open → Water & Excluded Perils Explainer The water damage standard home policies typically exclude — and which endorsements exist for it. Open →

Your Vehicles

Auto Liability & UM/UIM Reality Check Your liability limits next to your state minimum and what a serious accident can actually cost. Open → Auto Loan/Lease Gap Check If your car were totaled today, would the insurance check cover what you still owe? Open →

Your Liability

Hidden Exclusion Check Rideshare, Airbnb, home business, dogs, pools — see which everyday activities standard policies often exclude. Open → Umbrella Gap Illustrator See what portion of what you own sits above your current home and auto liability limits. Open →

Your Belongings

Belongings & Special Limits Check Your belongings vs. typical contents coverage — and the sub-limits that surprise people at claim time. Open → Landlord Policy Check Renting out a property on the wrong policy form is a denied claim waiting to happen. See which pieces line up. Open → Renters Coverage Check Your landlord's policy covers the building, not your things. See what a renters policy is actually carrying. Open →
Insuring a business as well? There are 8 tools for commercial cover — property, business interruption and the exposures owners miss.

What happens next

From a number to a plan

1

Pick a question

"Would my policy rebuild this house?" "What would I actually pay on a claim?" Choose whichever is on your mind.

2

Move the dials

Your result updates as you go, and every tool shows the assumptions behind it — no black box.

3

Talk it through with Insurance Confidence Center

Bring your results in and turn them into a real conversation about your policy — no pressure, no jargon.

Good to know

Questions, answered

Is it really free?

Yes. Every tool is free, there is no account to create, and nothing to download. Answer a few questions and see your result.

Will you pull my credit or contact my insurer?

Never. Nothing here touches your credit, your carrier, or your policy. Everything is based on figures you enter yourself.

Is this a quote?

No. These tools are educational illustrations — they show where coverage gaps tend to hide. They are not quotes, not advice, and not an offer of coverage.

How accurate are the numbers?

Each tool shows its own method and the assumptions behind it, and most present a range rather than a single figure. They are starting points for a conversation, not a substitute for a professional review of your policy.

What happens to my information?

Your inputs stay private. Results are only shared with Insurance Confidence Center if you choose to send them.

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A real person behind the numbers

Have a question? Let's talk.

These tools are a starting point. When you want to know what any of it means for your actual policy, Insurance Confidence Center is here.

Get in touch Browse the tools