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FREE TOOL
Insurance Coverage Checkup
Most people know what their insurance costs. Far fewer know whether it would actually hold up in a claim. Answer eight questions and get a Coverage Health Score out of 100, plus the specific gaps in your current policies.
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Quick Answer: The Coverage Checkup is a free tool that scores your home, auto and umbrella coverage from 0 to 100 and names the specific gaps in plain English. It takes about 60 seconds, asks eight questions, and does not require a phone call. It is an educational review, not a quote.
Trouble loading? Open the checkup in its own window.
What the checkup looks at
Eight questions, branching on your answers, covering the gaps that show up most often in real claims.
Auto liability limits
Whether you are carrying state minimums or something closer to the 100/300/100 benchmark. How much car insurance you need.
Dwelling and replacement cost
Whether the home is insured to rebuild cost or to market value, and whether replacement cost coverage is in place. How much home insurance you need.
Umbrella gap
Whether your assets exceed your liability limits. How much umbrella you need.
Water backup and endorsements
The coverages excluded by default that people assume are included.
Household changes
Marriage, a new driver, a renovation or a new business. Life events that quietly outgrow a policy.
Time since last review
Rebuild and repair costs have moved sharply. A limit set several years ago may no longer do the job.
What your score means
| Score | What it usually indicates |
|---|---|
| 85 to 100 | Well structured. Limits and endorsements are broadly in line with what you own. |
| 70 to 84 | Mostly solid with one or two specific gaps, often an umbrella or a missing endorsement. |
| 50 to 69 | Meaningful exposure. Usually low liability limits or a dwelling figure that has not kept pace. |
| Below 50 | Several gaps at once. Worth a conversation with a licensed advisor sooner rather than later. |
The score is a directional educational tool, not an underwriting decision or a quote. It reflects the answers you give and common coverage benchmarks.
What happens after
You get your score and gap list on screen immediately. If you share your contact details, a licensed Pro Insurance Group advisor reviews the results and follows up with what the gaps would actually cost to close. There is no obligation and no pressure, and we will tell you when your current policy is already the right answer.
Prefer to skip the tool and go straight to a person? Request a quote or call 833-776-4671.
What Our Clients Say
Coverage Checkup FAQ
What is an insurance coverage checkup?
It is a short educational review of your existing policies that scores how well your limits and endorsements match what you own. Ours asks eight questions, takes about 60 seconds, and returns a Coverage Health Score out of 100 with your specific gaps named in plain English.
Is the Coverage Checkup really free?
Yes. There is no cost, no obligation and no phone call required to get your score and gap list. If you choose to share contact details, a licensed advisor will follow up with what closing those gaps would cost.
Is this a quote?
No. The checkup is educational and does not price coverage or bind anything. It compares your answers against common coverage benchmarks to show where gaps are likely. Actual pricing requires a quote from a licensed advisor.
How long does it take?
About 60 seconds. Eight questions that branch based on your answers, so you only see what is relevant to your situation.
Know Where You Stand Before You Need To
Free, about 60 seconds, and no salesperson calls unless you ask. Then we shop 20+ A-rated carriers if you want the gaps closed.
Get My Quote Call 833-776-4671Call 833-776-4671 or text "quoteme" to 312-878-9416.
DR
Reviewed by Dave Rysavy
VP, Personal Lines · Pro Insurance Group. Dave reviews household coverage limits against actual assets for Pro Insurance Group clients across 40-plus states.
General information, not advice. Coverage needs depend on your assets, household and state. The figures here are widely cited planning benchmarks, not a recommendation for your specific situation. A licensed Pro Insurance Group advisor will review your actual exposure before any coverage is placed.
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