Coverage Checkup — Free insurance review for Chicago homeowners
Coverage Checkup ◎ Serving Chicago, IL
Free · Educational · Built for Chicago homeowners

Own your coverage.

Upload your dec pages. In a minute we decode every limit, benchmark it against homes like yours, and hand you the questions to ask a licensed agent.

27coverage fields read per policy
4–6gaps found on a typical checkup
$0free — and never sales-pressured
DECLARATIONS INTAKENO. 001-CHI
Homeowners dec pagePDF from your carrier
Auto dec pagePDF from your carrier
Umbrella dec pageOptional — but revealing
About your household — tunes your benchmarks

Encrypted in transit · deleted after your report unless you choose to save · never sold

How it works

From paperwork to a plan, in four steps

The steps run in order — each one builds on the last, and you can stop at any point with something useful in hand.

STEP 1

Upload your dec pages

Snap or drop the declarations page from each policy. That single page holds every limit we need.

STEP 2

Get your Coverage Checkup

We extract your coverage and compare it to benchmarks typical for households like yours — in plain English.

STEP 3

Prep to shop

We pre-fill the application and draft the shopping letters, so comparing quotes takes minutes, not weekends.

STEP 4

Connect with local agents

Choose from top-rated independent agents near you for licensed, personalized advice — only if you want to.

✶ ✶ ✶ ✶ CHICAGO, ILLINOIS · BENCHMARKED BLOCK BY BLOCK
Local by design

Benchmarks tuned to Chicago, block by block

Coverage norms aren't national. Your checkup is benchmarked to your city — and your agent matches come from your neighborhood.

LakeviewLincoln Park North CenterRoscoe Village PilsenWicker Park Logan SquareEdgewater Hyde Park+ all of Chicago

Sewer & drain backup is Chicago's most common under-covered risk — standard policies exclude it, and finished basements often exceed the endorsement cap.

Wind/hail deductibles here are usually percentage-based. On a $1M+ home, "1%" quietly means a five-figure out-of-pocket.

Strict building codes mean rebuilding costs more than the damage. Ordinance & Law coverage at 10% is often light for masonry homes.

Fair questions

Before you upload

Is this insurance advice?

No. Your checkup is general educational information based on typical coverage norms — like a nutrition label for your policy. Personalized recommendations and any policy changes come from the licensed agents we can connect you with.

How is this free?

If you choose to connect with an agent and end up working with them, the agent may pay us a referral fee. That fee never changes your report, and it never changes how agents are ranked — rankings come from quality signals only.

What happens to my documents?

By default your dec pages are used to build your report and then discarded — nothing is kept. If you create an account and choose to save a checkup, your documents and report are stored — encrypted in transit and at rest — so you can compare them at renewal, and you can delete them anytime from your vault. We never store your license numbers or sell your information.

Which carriers do you support?

Any U.S. carrier. We read the declarations page from whatever insurer you're with — State Farm, GEICO, Allstate, Progressive, Travelers, and the rest. Every extracted value carries a confidence score, and anything we're not sure about is flagged in your report as "to confirm" — never silently guessed.

Coverage Checkup · Sample report · Lakeview

Six things worth a conversation.

▲ Needs attention — 3 high-priority gaps

Here's how your coverage compares to what's typical for households like yours. This is education, not advice — take it to a licensed agent and it becomes a 15-minute conversation instead of an hour.

HOME · 55-KJ-B211-3 AUTO · 8841299-SFP-02 UMBRELLA · 55-KJ-Q930-7
What to look at
HIGH

Umbrella limit is below your net worth

Your policy$2,000,000
Typical for you≥ $4,000,000

A common guideline is umbrella liability at least equal to net worth. One judgment above your limit can reach savings, investments, and home equity. Households like yours often carry around $5M.

HIGH

Water/sewer backup won't rebuild your finished basement

Your policy$62,125
Basement at risk$150,000

Standard policies exclude sewer backup and add it back as a capped endorsement. Yours covers well under half of what's downstairs — a very Chicago problem. A battery-backup sump pump usually earns a credit, too.

HIGH

Your home office is largely uninsured

Your policy~$2,500 cap
Typical fixHome-business endorsement

Homeowners policies cap business property and mostly exclude business liability. A small endorsement — or confirmation that a firm policy responds — closes the gap.

MEDIUM

Medical Payments is at the policy floor

✱ to confirm — low-confidence read
Your policy$1,000
Common figure$5,000

The inexpensive "goodwill" coverage that pays a guest's minor injury without a lawsuit. Raising it costs very little.

MEDIUM

Ordinance & Law may be light for Chicago codes

Your policy10%
Typical here25–50%

Code-required upgrades during a rebuild aren't covered by base dwelling limits. Masonry homes under strict city codes are often written higher.

LOW

Rental reimbursement won't cover a comparable loaner

Your policy$25/day
Typical~$50/day

A long EV repair at $25/day means paying the difference yourself.

Looking good
Auto liability meets your umbrella's required underlying limits — no gap between the two policies. Your 250/500/100 limits coordinate correctly.
Dwelling coverage has healthy headroom — $1,242,500 against your rebuild cost, with inflation indexing.

Ready to turn six findings into one good conversation?

Step 3 · Licensed, independent, local

Top-rated agents near Lakeview

Every agency below is vetted — licensed, independent, and ranked by our quality score and proximity, never by who pays us. One request sends your quote packet to all of them at once.

RANKED FOR 60613 · LAKEVIEW
Get quotes from every vetted agent below — with one request We send each agent your coverage summary, quote targets, and a pre-filled application. No forms, no phone tag.

Lakeview Insurance Agency

Gold93/100✓ Vetted
Serves ZIP 60613 · in your neighborhood. Independent, 25+ carriers, 45+ years. Known for shopping the whole package for price and fit.
HOME · AUTO · UMBRELLA · lakeviewins.com
(773) 871-8000

Serpe Insurance Agency

Gold90/100✓ Vetted
Lincoln Park · 8 min away. Independent multi-line agency with a strong local following for home and auto.
HOME · AUTO · UMBRELLA
(773) 871-0808

Ward & Co. Insurance

Silver82/100✓ Vetted
Lincoln Park. Thomas Ward Insurance Group — ~34 years, praised for responsiveness and long-term client care.
HOME · AUTO · UMBRELLA · twinsurance.com
(312) 254-1500

Sharon Robles Agency

Silver81/100✓ Vetted
Pilsen. Multi-generation family agency, frequently recommended for personalized shopping across home, condo, and auto.
HOME · AUTO · CONDO · RENTERS · sharonroblesagency.net
(312) 294-0040
How this ranking works. Scores blend an agency's track record (years established, carrier breadth, service signals) with outcomes from homeowners we've referred — responsiveness, follow-through, and whether people actually got better coverage. Agents cannot pay to move up. When we're paid a referral fee, it's disclosed and it never touches the ranking.
Step 4 · Apples to apples

Compare your quotes — nothing hidden.

Enter the quotes your agents send back. We line every number up against your current coverage and your quote targets — so a lower price can't quietly hide lower protection.

Reading your dec pages…