Is your homeowners insurance actually enough?
Most policies look fine until the day you need them. CoverageIQ reads yours line by line and tells you where you're exposed.
Analyze my policyYou pay the premium every month and assume you're covered. But the policy was written in language designed to be skimmed, and the limits were set years ago — before remodels, before inflation drove rebuild costs up 30%+, before you bought the things now sitting in your house. The first time most people read their declarations page carefully is after a loss, when it's too late to change anything.
What CoverageIQ checks for you
- Dwelling limit vs. today's real cost to rebuild — the single most common shortfall
- Whether you have replacement cost or actual cash value on the structure and contents
- Extended or guaranteed replacement cost endorsements (and whether you're missing them)
- Personal property sub-limits on jewelry, electronics, firearms and collectibles
- Water, sewer backup, and flood exclusions that surprise people every storm season
- Loss-of-use / additional living expense limits if your home becomes unlivable
See exactly what your policy covers
Upload your declarations page. No agent, no sales call — just a clear read of what you have.
Analyze my policyNo agent · No sales call · Minutes, not days
Frequently asked questions
How do I know if I'm underinsured on my home?
Compare your dwelling coverage limit to the current cost to rebuild your home from the ground up — not its market value or what you paid. Rebuild costs have risen sharply, so a limit set even a few years ago is often thousands short. CoverageIQ estimates the gap from your policy in minutes.
What's the difference between replacement cost and actual cash value?
Replacement cost pays to replace damaged property with new equivalent items. Actual cash value subtracts depreciation, so a 10-year-old roof or sofa pays out at its used value. Many policies quietly apply actual cash value to roofs and contents, which can cut a payout in half.
Does homeowners insurance cover flooding?
Almost never. Standard homeowners policies exclude flood damage entirely; that requires a separate flood policy. Sewer and drain backup is also usually excluded unless you've added a specific endorsement. CoverageIQ flags these exclusions explicitly.
Will CoverageIQ try to sell me a policy?
No. CoverageIQ analyzes the policy you already have and tells you what it covers and where the gaps are. It's a decision tool, not an insurance agency.
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