Insurance Coverage Analyzer

A score of 100 or above means your total coverage meets or exceeds the recommended protection level. Below 100, you have a coverage gap that could leave you financially exposed.

The analyzer uses standard benchmarks: 10× annual income for life insurance, $300,000 for auto liability, $350,000 for home dwelling, $10,000 for health out-of-pocket, and $1,000,000 for umbrella coverage.

Umbrella coverage provides extra liability protection beyond your auto and home policies. It is recommended for anyone with significant assets or higher risk of lawsuits. Most advisors suggest $1 million in umbrella coverage.

A coverage gap is the difference between your current total protection and the recommended amount. If your gap is $500,000, that means you are underinsured by that amount and may need to increase your coverage.