Policy Verifier — InsuranceCheck

Coverage adequacy checker

Enter your policy details

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Policy type

Do you have dependents?

Asset / income value ($)

Rebuild cost, vehicle value, or annual income depending on policy type.

Current coverage amount ($)

Deductible ($)

Deductible analyzer

Compare two deductible options.

See roughly how long it takes for a lower monthly premium to offset a higher deductible, based on the numbers you provide.

Lower deductible ($)

$

Higher deductible ($)

$

Monthly premium difference ($)

$

How much less the higher-deductible plan costs each month.

Compare the trade-off

The analysis weighs your monthly savings against the additional amount you would pay if you file a claim.

Break-even preview

Deductible trade-off

Lower deductible

$500

Higher monthly premium

Higher deductible

$2,000

Lower monthly premium

Monthly premium savings

$22 / month

Estimated break-even ~5.7 years

0 years 5 years 10 years

How to read this

A longer break-even period means you may need to remain claim-free longer before the premium savings make up for the additional deductible.

Preview values are examples. Run the analysis for your numbers.

Coverage limit review

Per-incident vs. aggregate limits

Two limit types matter most in a serious claim. Confirm you know both.

Per-incident limit

The most an insurer pays for a single claim event. This is the number most people picture when they think of "coverage."

Aggregate limit

The most an insurer pays across all claims within a policy period. Multiple claims in one year can hit this ceiling.

Policy checklist

Before you call an agent

0 of 5 complete (0%)

Have your declarations page open. You'll want the exact limits and deductible figures in front of you. Write down flagged gaps first. Lead the call with what you want to fix, not general questions. Check current rate benchmarks. Know whether your premium is in a typical range before negotiating. List any life changes since your last review. New dependents, a home purchase, or a paid-off loan can all shift what you need. Set a follow-up reminder. Coverage adequacy is worth revisiting at least once a year.

Risk & coverage indicators

Reading your score

85–100

Optimal

Coverage closely matches recommended levels.

60–84

Adequate

Reasonably close, with some room to tighten.

35–59

Basic

Meaningfully below typical recommendations.

0–34

Gap detected

Substantially below recommended levels — worth a closer look.

Run your numbers against real benchmarks.