Audit all your insurance in one place. Find out where you're exposed — the gaps that could cost you everything when you need coverage most.
Most people have too little of the right coverage and too much of the wrong kind. This analyzer audits all five major insurance categories against your financial situation and gives you a clear action plan.
💰 Your Financial Situation
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❤️ Life Insurance
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🏥 Disability Insurance
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🏠 Home / Renters Insurance
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🚗 Auto Insurance
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🏥 Health Insurance
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Insurance Coverage Score
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Your overall insurance protection rating
Coverage Audit Results
❤️Life Insurance—
🏥Disability Insurance—
🏠Home / Renters Insurance—
🚗Auto Insurance—
💊Health Insurance—
🎯 Priority Action Plan
Start closing your coverage gaps
Compare insurance quotes across all categories in one place. Fix your biggest gaps first.
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Frequently Asked Questions
What are the most common insurance gaps? ▾
The most dangerous gaps are: No disability insurance (statistically the most likely financial catastrophe), underinsured life coverage especially for parents of young children, underinsured homeowners policies where the rebuild cost exceeds the policy limit, minimum auto liability in states with $15k-$25k limits (inadequate for serious accidents), and no renters insurance despite owning thousands in electronics and furniture.
How often should I review my insurance? ▾
At minimum annually — insurance needs change as your life does. Key trigger events: marriage or divorce, having or adopting children, buying a home, significant income increase, new vehicle, starting a business, death of a spouse, children leaving home (term life may become less critical), approaching retirement (long-term care becomes more relevant). Each of these events should prompt a coverage review.
What insurance does everyone need? ▾
Everyone who earns income: disability insurance. Everyone with dependents: life insurance. Everyone with a vehicle: auto insurance (required by law plus adequate liability). Everyone with belongings: renters or homeowners insurance. Everyone: health insurance. Optional but worth considering for most: umbrella liability policy ($1M+ in extra liability for $150-300/year — excellent value), long-term care insurance (ages 50-65).