Mosthomesareunderinsured.Checkyourcoverageandsafeguardyourhometoday.
Upload your insurance policy and get a personalized coverage report with risk insights and next steps.
Three steps for smart coverage.
No paperwork. Just upload and go.
Upload Your Dec Page
Upload your current insurance declarations page as a PDF. It takes less than a minute.
Advanced Coverage Analysis
Our system cross-references your coverage limits, deductibles, and exclusions against property data, replacement cost estimates, and California-specific risk factors.
Agent-Guided Coverage Review
Our team cross-references your policy against replacement cost benchmarks and companion coverage to prepare a tailored report for your review.
A comprehensive analysis — not just a summary.
Every report is built to help you and your agent take action.
Risk Exposure Analysis
See exactly where your current policy may leave you underinsured or at risk.
Risk Scoring
Understand your risk level across property, liability, and specialty lines.
Coverage Recommendations
Actionable suggestions to strengthen your coverage, reduce risk, and protect what matters most.
Renewal Confidence Checklist
Know what to ask your agent before your next renewal.
Agent-Reviewed Options
Connect with experienced agents who can implement recommended changes.
Most coverage risks are invisible — until it's too late.
Underinsurance surprises
Most homeowners don't discover gaps until they file a claim. By then, it's too late.
Natural disaster gaps
Flood, earthquake, and wildfire coverage varies widely and is often excluded by default.
Liability blind spots
Umbrella and liability limits often fall short of actual exposure for families and small businesses.
Deductible traps
High deductibles on specific perils can mean tens of thousands out of pocket when disaster strikes.
Your data is handled with care.
Encrypted Storage
All documents are encrypted at rest and in transit.
Access Controls
Least-privilege access — only you see your data.
No Data Sales
We never sell, share, or monetize your personal data.
Technology Transparency
Technology is assistive — recommendations should always be reviewed.
This tool provides informational guidance and is not legal or financial advice. Recommendations should be reviewed with a licensed insurance professional.
Frequently asked questions.
Is it free?
Yes. CoverageCheckNow is completely free to use. There are no hidden fees.
What do you need from me?
Just your insurance declarations page — the summary page from your policy documents. It's usually 1–3 pages.
Do I need an account?
Yes, a free account is required so your documents and reports stay secure and accessible only to you.
How does the review process work?
Once you upload your declarations page, our team pulls property records, calculates replacement cost estimates, and prepares a comprehensive report for you and your agent to review together.
Is my data safe?
Yes. All data is encrypted in transit (TLS) and at rest. We enforce role-based access control, row-level security, and never sell your personal data.
What file types are supported?
We accept PDF files up to 10MB.
Does this replace my agent?
No. CoverageCheckNow helps you and your agent make more informed decisions. We recommend reviewing results with a licensed professional.
What states are supported?
We are currently focused on California.