See where your coverage really stands.

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

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 →

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 →

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 →