Coverage Gap Finder

Know whether your current policy covers what you think.

Questions about your life, not your policy. About three minutes, and you walk away with a short list of things worth checking on the coverage you already have. Free, no sign-up, and nothing is saved.

How it works

  1. Tell us what to look at. Whether you already have coverage or are shopping for it, and which policies matter to you.
  2. Answer questions about your life. Not about your policy — about how you actually live. Yes, no, or not sure.
  3. Get your list. Every coverage worth asking about, in plain language, ready to print or bring to a review.
Which best describes you?
Which policies do you already have?

Have your declarations page handy?

Optional. Add it and every answer below gets checked against your actual policy wording, so you can see what is really in there. Your file is read on your own device — nothing is uploaded, nothing is stored, and nothing is sent to Harmony. You can skip this and answer the questions without it.

1

Your car

Could your household manage two or three weeks without this car?

If you broke down — flat tire, dead battery, locked out — do you have someone to call?

Do you still owe money on the car?

Would an unexpected $1,000 bill be a strain right now?

Does anyone else in your household ever drive this car?

Do you ever use the car for work — deliveries, rideshare, or hauling?

If a driver with no insurance hit you, could you cover your own bills?

Do you own a home, or have savings you would want protected if you caused a serious accident?

2

Your home

Do you know what it would cost to rebuild your home at today’s prices?

If your home were unlivable for six months, do you know who would pay for somewhere to stay?

Is your basement finished, or do you keep anything valuable down there?

Has your street, yard, or basement ever taken on water?

Do you own jewelry, tools, instruments, or collectibles worth more than a couple thousand dollars?

Do you run any kind of business from home, even part time?

Have you renovated, finished a basement, or added on since the policy was written?

Are the roof, plumbing, or electrical more than twenty years old?

Do you have a dog, a pool, or a trampoline?

Do you ever rent the place out, even occasionally?

2

Your rental

If everything you own were destroyed, do you know what it would cost to replace it?

If your building were unlivable for a few months, do you know who would pay for somewhere to stay?

Do you own jewelry, tools, instruments, or collectibles worth more than a couple thousand dollars?

Has your unit or building ever taken on water?

Do you own a pet, or does anyone visit your place regularly?

0 Answer the questions and your list builds here.