Insurance Coverage Tools

Every tool runs in your browser. No data leaves your device. No account required.

πŸ” Audit Your Coverage

πŸ”
Coverage Gap Calculator
Full audit of your home, auto, life, health, and disability policies. Identify what's missing.
20 min→

πŸ’° Life & Health

πŸ’°
Life Insurance Needs Estimator
Income, debts, family needs. Calculate the coverage amount that actually protects your family.
5 min→
πŸ₯
Health Plan Comparator
Compare HMO, PPO, HDHP side by side. Total annual cost for low, medium, and high healthcare use.
3 plans→

🏠 Home & Auto

πŸš—
Auto Coverage Optimizer
Car value, driving habits, state requirements. Optimize deductibles and drop unnecessary coverage.
Instant→
🏠
Home Insurance Valuator
Replacement cost vs market value. Room-by-room inventory. Avoid the $100k underinsurance mistake.
15 min→

🦯 Income Protection

🦯
Disability Coverage Checker
Income, savings, monthly expenses. See if you're one injury away from financial ruin.
10 min→

Latest Articles

Renters Insurance Gap 12000

Renters Insurance Gap 12000

The Renter's Insurance Gap That Cost My Client $12,000 Marcus Whitfield The adjuster looked at the basement and said the magic words. Not covered. I s...

Auto Insurance Rate Hike Denver 2026

Auto Insurance Rate Hike Denver 2026

I got my auto insurance renewal last month and I actually called my agent to confirm it was correct. $2,180 for six months. That is $363 a month. For ...

Chicago Heat Dome Insurance Denial

Chicago Heat Dome Insurance Denial

Why My Home Insurance Claim Got Denied After the Chicago Heat Domeβ€”And What I Did About It Marcus Whitfield The adjuster looked at my basement and sai...

Dropped Collision Saved 900 Regretted It

Dropped Collision Saved 900 Regretted It

The deer came out of nowhere. One second I was driving home from a late shift at the hospital, cruising down I-70 at 65 mph, singing along to a song I...

The Renters Insurance Claim That Taught Me Everything

The Renters Insurance Claim That Taught Me Everything

The Renter's Insurance Claim That Taught Me Everything About Coverage Gaps I was on the Kennedy Expressway when my phone rang. It was a Tuesday in Mar...

The Widow Two Kids And A Policy That Paid Nothing

The Widow Two Kids And A Policy That Paid Nothing

The Widow, Two Kids, and a Policy That Paid Nothing I was reviewing files in my home office when my phone rang. It was a Tuesday afternoon, the kind o...