Is Your Home
Actually Protected?
Most homeowners are underinsured — often by tens of thousands of dollars — and don't find out until they file a claim. Your free Insurance Audit™ changes that.
64%
of homeowners are underinsured
CoreLogic
$34K
average coverage gap per household
Industry estimate
2 min
to complete your audit assessment
Coverage IQ
Every Layer of Your Home Coverage
Your Insurance Audit™ reviews all six core components of a homeowners policy — not just the premium.
Dwelling Coverage
Protects the structure of your home against covered perils.
Personal Property
Covers your belongings — furniture, electronics, clothing, and more.
Liability Protection
Covers legal costs if someone is injured on your property.
Additional Living Expenses
Pays for temporary housing if your home becomes uninhabitable.
Other Structures
Covers detached garages, fences, and outbuildings.
Medical Payments
Covers minor medical costs for guests injured on your property.
What Most Homeowners Miss
These are the six most common coverage gaps our auditors identify in homeowners policies — and most are fixable for less than you'd expect.
Liability Limits Too Low
Most homeowners carry $100,000 in liability. A single slip-and-fall lawsuit can easily exceed that. Recommended minimum: $300,000–$500,000.
Personal Property Undervalued
Standard policies often cap personal property at 50% of dwelling coverage. If you've accumulated furniture, electronics, and valuables, that limit may fall $40,000–$80,000 short.
Dwelling Replacement Cost Outdated
Construction costs have risen 30–40% since 2020. If your dwelling limit has not been updated, you could be significantly underinsured after a total loss.
No Flood or Earthquake Rider
Standard homeowners policies exclude flood and earthquake damage entirely. Depending on your location, this can be a catastrophic gap.
Inadequate Additional Living Expenses
If your home becomes uninhabitable, ALE coverage pays for temporary housing. Many policies cap this at 20% of dwelling — often not enough for 12+ months.
Home Business Exclusion
Running any business from home — even part-time — can void coverage for business-related property and liability under a standard homeowners policy.
How Your Audit Works
Three steps. About two minutes. A clear picture of exactly where you stand.
Answer a Few Questions
Tell us about your home, vehicles, and coverage goals. No policy documents needed — just a few quick questions.
Securely Connect Your Policy
We use Canopy Connect to securely pull your current policy details. Bank-level encryption. Read-only access. No changes made.
Receive Your Protection Score™
Your auditor reviews the findings and walks you through every gap, every recommendation, and every option — at no cost.
Find Out Where You Stand
Your home is likely your largest asset. Your Insurance Audit™ takes about two minutes and gives you a clear, honest picture of your protection — at no cost.
Start My Free Coverage Audit