About InsuranceCheck
A verification layer, not a sales funnel.
We built InsuranceCheck to answer one question clearly: does this policy actually cover what you think it does?
We built InsuranceCheck to answer one question clearly: does this policy actually cover what you think it does?
Insurance policies can be difficult to evaluate at a glance. Coverage limits, deductibles, exclusions, and premium costs all play a role in determining whether a policy fits your needs. InsuranceCheck brings these details together in a clearer, easier-to-understand format so you can review your coverage with greater confidence.
Our goal is to make policy information easier to compare and help you identify important coverage considerations before you make a decision. InsuranceCheck is independent and does not sell insurance products or represent a specific insurance carrier.
Your stated coverage amount is measured against widely cited adequacy guidelines for that policy type.
A high deductible relative to asset value reduces the effective protection a policy provides, so it factors into the score.
The numeric score maps to a plain-language tier and a short list of gaps worth reviewing with a licensed professional.
Home and auto benchmarks are anchored to replacement or rebuild cost rather than market value or purchase price.
Life insurance benchmarks scale with income and the number of dependents relying on that income.
Where relevant, we note that regional weather and disaster risk can shift what "adequate" coverage looks like.
Every benchmark assumes coverage should be revisited yearly or after a major life event, not set once and forgotten.
Sell your information to insurance carriers or brokers.
Display a guaranteed rate or an unverified live quote.
Claim to be a licensed insurance agency or carrier.
Store your calculator inputs anywhere but your own browser.
Scores are based on public, widely cited adequacy guidance — not internal sales targets.
No call center, no lead-selling, no "an agent will contact you" follow-up.
Our scoring logic is explained in plain language on this page, not hidden behind a black box.
