→ Your credit card may already cover rental car damage, but you're paying $15/month for it on your auto policy. Your employer life insurance is 1x salary, but your mortgage alone is 3x salary. Your homeowner's policy covers fire but not flood — and 1 in 4 flood claims come from low-risk zones
Find My Gaps — 12 Questions →Underinsured life coverage (employer plans typically cover only 1x salary when you need 5-10x), missing disability insurance, and duplicate rental car coverage across auto and credit card policies. Run our free 5-minute check to find which ones affect you.
List every policy you pay for and look for overlapping benefits like roadside assistance or rental car damage coverage. Our tool cross-checks all your policies automatically in 12 questions.
At 30, the biggest gap is usually no disability insurance. At 40, it is life insurance that has not kept up with a growing family and mortgage. At 50, long-term care and umbrella liability coverage are commonly missing. Our assessment adjusts recommendations to your exact life stage.
Yes. Employer coverage usually stops the day you leave your job, and is often limited to 1x salary for life and 60% of income for disability. Our free check shows exactly where your employer coverage falls short.
A common rule of thumb is 5-10x your annual income, but the real number depends on your mortgage, dependents, and existing coverage. Our assessment calculates your exact gap based on your real numbers.
Most standard homeowners policies exclude flood, sewer backup, earthquake, and high-value items over $1,500. Our tool flags exactly which perils your home policy misses.