43%Overall Score

Policy Coverage Report

Overall evaluation of your Home and Auto coverage

Home Score43%
Auto Score47%

Areas That Need Your Attention

Home: No flood insurance — standard homeowners policies exclude flood damage, and this is often the most overlooked coverage gap
Home: Dwelling insured at ~$185,000 against an estimated ~$350,000 replacement cost — severely underinsured
Home: Personal liability of $100,000 is below the $300,000+ most carriers recommend for homeowners

Home Coverage Breakdown

Score

43%

Carrier: Progressive

Premium

$2,414

(Included in Score)

Limit: $185,000

Score: 1 / 5

What It Means

Your dwelling coverage of $185,000 appears significantly below the estimated replacement cost of your home (~$350,000). This means if your home were destroyed, you could be responsible for over $165,000 out of pocket. Carriers flag policies where dwelling coverage is less than 80% of replacement cost.

⚠️Most carriers recommend insuring your dwelling to at least 100% of its estimated replacement cost.

(Included in Score)

Limit: $9,250

Score: 2 / 5

What It Means

Other structures coverage of $9,250 (5% of dwelling) covers detached garages, fences, and sheds. This is the minimum standard ratio, which may not fully cover structures on larger properties.

⚠️Most carriers recommend 10% of dwelling coverage for other structures if you have significant detached structures.

(Included in Score)

Limit: $46,250

Score: 2 / 5

What It Means

Personal property coverage of $46,250 (25% of dwelling) is at the lower end of the standard range. Most homeowners own belongings worth 50-75% of their dwelling coverage.

⚠️Most carriers recommend personal property coverage of at least 50% of dwelling coverage.

(Included in Score)

Limit: $18,500

Score: 2 / 5

What It Means

Loss of use coverage of $18,500 (10% of dwelling) would cover temporary living expenses if your home becomes uninhabitable. This amount may only cover a few months of alternative housing in many markets.

⚠️Most carriers recommend 20-30% of dwelling coverage for loss of use to ensure adequate temporary housing funds.

(Included in Score)

Limit: $100,000

Score: 2 / 5

What It Means

Personal liability of $100,000 is the minimum typically offered. A single lawsuit from an injury on your property could easily exceed this amount, putting your personal assets at risk.

⚠️Most carriers recommend at least $300,000 in personal liability coverage, with $500,000 or an umbrella policy for homeowners with significant assets.

(Included in Score)

Limit: $1,000

Score: 2 / 5

What It Means

Medical payments of $1,000 covers minor injuries to guests on your property without requiring a liability claim. This amount may not cover even a basic emergency room visit.

⚠️Most carriers recommend $5,000 in medical payments coverage.

(Included in Score)

Limit: 5% of Dwelling

Score: 2 / 5

What It Means

A windstorm/hail deductible of 5% of dwelling ($9,250) is a significant out-of-pocket expense when filing a wind or hail claim. This is a percentage-based deductible, meaning it scales with your dwelling coverage.

⚠️Most carriers recommend a 2% or lower wind/hail deductible where available.

(Included in Score)

Limit: $5,000

Score: 3 / 5

Coverages to Consider

Common add-ons not included in your current policy

Pays for the extra cost to rebuild or repair your home to current building codes after a covered loss. This is important because older homes often don't meet today's requirements.

Reimburses you for the cost to replace your belongings with new items, not their depreciated value. This helps you recover fully after a loss instead of settling for less.

Covers damage caused by water backing up through drains or sump pump failures. These losses are typically excluded from standard homeowners policies.

Covers sudden mechanical or electrical failure of major home systems and appliances. It helps pay for repairs or replacement not caused by wear and tear or age alone.

Covers repair or replacement of underground utility lines like water, sewer, or electric that run from the street to your home. Repairs can be expensive and are usually the homeowner's responsibility.

Helps cover expenses related to restoring your identity after fraud, such as legal fees, lost wages, and credit monitoring. It provides support and reimbursement during a stressful and time-consuming recovery process.

You Could Save $402 a Year

See how your current premium compares to estimated rates from other providers

Your Current Payment (Progressive)

$2,414/yr

Monthly

$201/mo

Branch Insurance

$2,012/yr

$168/mo

$402/Year Savings or $33.50/M in Savings

SafeCo

$2,112/yr

$176/mo

$302/Year Savings or $25.17/M in Savings

Travelers

$2,192/yr

$183/mo

$222/Year Savings or $18.50/M in Savings

These are estimated quotes. Contact an agent for exact pricing.

This report is for educational purposes only and does not constitute professional insurance advice. Consult with a licensed insurance agent for personalized recommendations.