🔍 Coverage Gap Calculator
Enter your existing policies and identify gaps in home, auto, life, health, and disability coverage.
About This Tool
This free calculator audits your existing insurance policies across home, auto, life, health, and disability coverage. Answer 14 simple questions about your current policies, and we will identify the gaps that could leave you financially exposed.
How It Works
Enter details about your home insurance (backup coverage, replacement cost vs actual cash value), auto insurance (liability limits, uninsured motorist), life insurance (individual vs group), health plan (out-of-network coverage), and disability coverage. The calculator assigns a risk score from A to F and lists specific gaps.
Why It Matters
Most people are either over-insured or dangerously under-insured. The difference comes down to understanding what your policies actually cover. This calculator helps you find the gaps before life does.
Your Information
Results
Enter your information and click Calculate to see your coverage gaps.