Insurance Coverage Tools

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πŸ” Audit Your Coverage

πŸ”
Coverage Gap Calculator
Full audit of your home, auto, life, health, and disability policies. Identify what's missing.
20 min→

πŸ’° Life & Health

πŸ’°
Life Insurance Needs Estimator
Income, debts, family needs. Calculate the coverage amount that actually protects your family.
5 min→
πŸ₯
Health Plan Comparator
Compare HMO, PPO, HDHP side by side. Total annual cost for low, medium, and high healthcare use.
3 plans→

🏠 Home & Auto

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Auto Coverage Optimizer
Car value, driving habits, state requirements. Optimize deductibles and drop unnecessary coverage.
Instant→
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Home Insurance Valuator
Replacement cost vs market value. Room-by-room inventory. Avoid the $100k underinsurance mistake.
15 min→

🦯 Income Protection

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Disability Coverage Checker
Income, savings, monthly expenses. See if you're one injury away from financial ruin.
10 min→

Latest Articles

The Year I Almost Became a Statistic (And Why I Left Underwriting) | CoverageCheckr
June 09, 2026

The Year I Almost Became a Statistic (And Why I Left Underwriting) | CoverageCheckr

The Year I Almost Became a Statistic (And Why I Left Underwriting) You’d think someone who priced life insurance for a...

The Self-Employed Guitar Teacher Who Didn't Think He Needed Disability | CoverageCheckr
June 08, 2026

The Self-Employed Guitar Teacher Who Didn't Think He Needed Disability | CoverageCheckr

The Self-Employed Guitar Teacher Who Didn't Think He Needed Disability I hear that at least once a month. Usually from a self-employed person – a con...

The Reinsurance Market Is Tightening: Your Home Insurance Premium Will Reflect It | CoverageCheckr
June 07, 2026

The Reinsurance Market Is Tightening: Your Home Insurance Premium Will Reflect It | CoverageCheckr

The Reinsurance Market Is Tightening: Your Home Insurance Premium Will Reflect It I was on a call last month with a former colleague who still w...

The 10-Minute Disability Insurance Checkup for Freelancers and 9-to-5ers | CoverageCheckr
June 06, 2026

The 10-Minute Disability Insurance Checkup for Freelancers and 9-to-5ers | CoverageCheckr

The 10-Minute Disability Insurance Checkup for Freelancers and 9-to-5ers That’s the question I start every disability checkup with. Most people sta.....

The $50,000 Surgery That Cost Me $200 Thanks to a PPO | CoverageCheckr
June 05, 2026

The $50,000 Surgery That Cost Me $200 Thanks to a PPO | CoverageCheckr

The $50,000 Surgery That Cost Me $200 Thanks to a PPO I still have that statement in a file folder. Not because I’m proud of the number – though I...

Replacement Cost vs. Market Value: The $100,000 Home Insurance Mistake | CoverageCheckr
June 04, 2026

Replacement Cost vs. Market Value: The $100,000 Home Insurance Mistake | CoverageCheckr

Replacement Cost vs. Market Value: The $100,000 Home Insurance Mistake I ask this question at every home insurance revie...