Pick Auto, Homeowners, or Renters and get an educational coverage range, a gap checklist, a deductible stress test, and a prioritized list of questions for your agent — never a quote, never a premium prediction.
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Before You Begin
This tool never predicts a premium or quotes a price — no rating or underwriting data exists here to do that.
Every number below is an educational discussion range, not a legally sufficient coverage determination, a quote, or personalized advice. State-required minimums, where shown, are legal-floor reference facts only, never a recommended target.
We never conclude "you are underinsured." Instead we flag a "potential gap to discuss" with a licensed agent.
Skip the VIN, driver license number, or exact address — a general state or ZIP is all this tool needs.
Everything you enter stays in your own browser on this device. We don't send it to a server or store it on our end. Closing your browser's site data, or using "Clear my data" below, permanently deletes it.
1Which Coverage Would You Like to Evaluate?
You can run another branch afterward, but each branch's results stand on their own and aren't combined into one calculation.
2A Little Context
Laws, definitions, and insurer forms vary by state — we'll link you to your state's official regulator alongside your results.
Your Results
Answer the questions above, then select "See My Results" to see your results.
Coverage Map
Gap Checklist
Deductible Stress Test
Special-Use and Special-Risk Flags
Questions for Your Agent
Assumptions & Sources
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Know Someone Who Could Use This?
Did this help you think through a coverage conversation? Feel free to send them this link:
Someone about to sign their first renters or auto policy
A friend or family member who just bought a home
Anyone who hasn't looked at their coverage in a while
Everything stays on their own device, so there's nothing to sign up for and nothing to lose by trying it. Help them on their journey to financial confidence.