Last updated: 2026-07-26
Coverage Checkup is a free, educational service. It reads your insurance declarations pages and shows how your coverage compares to general benchmarks for households like yours, and can connect you with licensed insurance agents if you ask. By using it, you agree to these terms.
Coverage Checkup provides general educational information, not personalized insurance advice. We are not a licensed insurance producer, consultant, or your agent, and we do not recommend that you buy, keep, or drop any specific policy. Coverage decisions should be made with a licensed insurance professional who can assess your specific situation. The benchmarks and "targets" we show are starting points you control — not recommendations.
The service is free to you. If you choose to connect with an agent and buy a policy, that agent or carrier may pay us a referral fee. This never affects your review or how agents are ranked — agents are ordered by our quality score and proximity, never by who pays us.
When you request quotes, we share your coverage summary, chosen targets, and contact details with the agents you select, with your consent, so they can quote you. Any quote, advice, or policy comes from the agent or carrier directly — Coverage Checkup is not a party to that relationship and makes no guarantee about their quotes, availability, or service.
The service is provided "as is," without warranties of any kind. To the maximum extent permitted by law, Coverage Checkup is not liable for coverage decisions you make, for the accuracy of extracted data, or for the acts of any agent or carrier. Always confirm coverage details with a licensed professional.
We may update these terms; material changes will be reflected in the "last updated" date above.