What Would Your
Insurance Score
Be?
Most people don't discover insurance gaps until after a claim.
Coverage IQ analyzes your current policies and provides a personalized Insurance Audit™ and Protection Score™.
Protection Score™
Sample Audit Report
of audits find at least one gap
average audit completion time
policies audited to date
Intelligence That Protects
Know Your Coverage
See exactly what you have — and what you don't.
Most policyholders have never read their full policy. We surface every limit, exclusion, and endorsement so you know precisely what you're paying for and what's actually protecting you.
Detect Gaps & Risks
Uncover the holes before a claim does.
Our auditors cross-reference your coverage against your real-world risk profile — home value, assets, lifestyle — and flag every place where a loss could leave you underprotected or out-of-pocket.
Make Confident Decisions
Act on clear, expert recommendations.
You'll receive a prioritized action plan — not a wall of insurance jargon. Every recommendation is explained in plain language so you can make informed decisions with or without switching carriers.
Protect What Matters Most
Coverage built around your life, not a template.
Generic policies are written for the average person. Your audit is tailored to you — your home, your family, your business — so the coverage you carry actually matches the life you've built.
Smart Coverage. Better Outcomes.
The Process
How It Works
Connect Your Current Policy
Securely link your insurance information. Bank-level encryption keeps your data protected.
We Analyze Your Coverage
Your policy is reviewed for coverage gaps, risk exposure, missing protection, and claim concerns.
Receive Your Protection Score™
Meet with an auditor to review your personalized results and recommended next steps.
Coverage Categories
What We Review
A comprehensive audit across every policy type — so nothing gets missed.
Home
Dwelling, personal property, liability, and additional living expenses.
We check your dwelling limit against current rebuild costs, your deductible structure (flat dollar vs. percentage-based wind/hail deductibles that can run 1–5% of your home's value), and personal property sub-limits. We also flag commonly overlooked endorsements: water backup & sump overflow, equipment breakdown, service line coverage, scheduled personal property, and ordinance or law — gaps that standard policies quietly exclude.
Auto
Liability limits, collision, comprehensive, and uninsured motorist coverage.
We review your bodily injury and property damage liability limits, collision and comprehensive deductibles, and whether those deductibles are set appropriately for your vehicle's value. We also check for uninsured/underinsured motorist coverage, medical payments, towing & roadside assistance, and rental car reimbursement — coverages that are inexpensive to add but costly to be without after an accident.
Business
General liability, property, workers' comp, and business interruption.
Beyond general liability and commercial property, we look at business interruption limits, professional liability (E&O), and cyber liability — one of the most underinsured exposures for small businesses today. We check whether your cyber policy covers ransomware, data breach notification costs, and business income loss from a network outage. We also review workers' comp classification accuracy and any coverage gaps in hired/non-owned auto.
Life
Coverage amounts, beneficiary alignment, and policy type suitability.
We review whether your death benefit still matches your income replacement needs, outstanding debts, and dependents. We check beneficiary designations for outdated names, confirm your policy type (term vs. permanent) aligns with your goals, and flag any lapse risks or conversion windows you may be approaching.
Vital Endorsements
Key riders and add-ons most policyholders don't know they're missing.
Standard policies are written to cover the average — not your specific situation. We audit for water backup, equipment breakdown, service line, identity theft restoration, umbrella liability gaps, and scheduled endorsements for jewelry, art, or electronics. These riders are where the most significant and most preventable gaps consistently appear.
Find out before a claim. Not after.
Start My Insurance Audit
Know exactly what you're covered for — before a claim reveals what you're not.
Start My Insurance Audit