Free · No obligation · Independent
Are you overpaying — or underinsured? Let's find out.
Send us your current policy and a licensed advisor will review it for coverage gaps, overlaps you're paying for twice, and savings across 8+ carriers. You get a clear report — and zero pressure to switch.
- A second opinion from an agency that works for you, not one carrier
- Most reviews returned within one business day
- Keep what you have if it's already a good deal — we'll say so
We compare your policy against quotes from
- Progressive
- Travelers
- Hartford
- Liberty Mutual
- Chubb
- Nationwide
- Safeco
- Hanover
How the checkup works
Three simple steps. No spreadsheets, no obligation, no sales pressure.
- Step 1
Send us your current policy
Share your declarations page (or just tell us what you have). No policy on hand? We can pull the key details on a quick call.
- Step 2
We analyze coverage & price
A licensed advisor reviews your limits, deductibles, endorsements, and exclusions against what your situation actually needs — then shops the market.
- Step 3
You get a plain-English report
A clear summary of gaps, overlaps you're paying for twice, and where a different carrier would save you money — with zero obligation to switch.
What we look for
A good review is about more than price. We check that your coverage actually protects what you've built.
Coverage gaps
Underinsured dwelling limits, missing umbrella, no flood, low liability, excluded business use — the gaps that turn into out-of-pocket disasters at claim time.
Savings opportunities
Discounts you're not getting, a better-priced carrier for your profile, and bundle math that actually works in your favor.
Overlaps & waste
Coverage you're paying for twice across policies, or limits set far higher than your real exposure requires.
Coming soon
Self-serve policy analysis in your client portal
We're rolling out a tool that lets you upload your policy and instantly see a gap-and-savings analysis online. Until it lands, our advisors do the analysis for you — same result, no waiting for the software.
Coverage checkup questions
Is the coverage checkup really free?
Yes. The review costs you nothing and there's no obligation to switch. We're an independent agency paid by the carriers when you choose to place coverage with us — your premium is the same whether you use us or not.
What do I need to send you?
Ideally your current declarations (dec) page — the summary at the front of your policy that lists your coverages, limits, and deductibles. If you don't have it handy, we can gather the key details on a 10-minute call.
Will you pressure me to switch carriers?
No. Sometimes the honest answer is 'you're already in good shape — keep what you have.' When that's true, we'll tell you. We only recommend a change when it genuinely improves your coverage, your price, or both.
How long does it take?
Most reviews come back within one business day. If your situation is complex (multiple properties, a business, specialty coverage), it may take a little longer — we'll let you know.