Policy Review Engine
Score any policy against an 8-point coverage checklist
Use this scorecard during renewal, after a major life event, or before switching carriers. Each weakness corresponds to a tool that can quantify the gap.
Check 1
Declarations page
Verify all named insureds, vehicles, and addresses are correct.
Check 2
Liability limits
Auto ≥ 100/300/100; Home ≥ $300k; umbrella ≥ net worth.
Check 3
UM/UIM
Match liability limits — 1 in 8 drivers is uninsured.
Check 4
Dwelling limit
Equals true rebuild cost (not market or assessed value).
Check 5
Deductibles
Aligned with emergency fund; consistent across policies.
Check 6
Endorsements & riders
Scheduled jewelry, water backup, law/ordinance, service line.
Check 7
Exclusions
Flood, earthquake, business use, mold — confirm separate coverage if needed.
Check 8
Discounts
Bundle, telematics, paid-in-full, paperless, alarm, claims-free.