Free Claim-Ready Coverage Check

See what your home insurance actually covers. In writing, in 15 minutes.

Most homeowners never have their policy read closely until the day they file a claim. We'll review your current coverage, show you every gap that could leave you exposed, and hand you a written report you keep, whether or not you ever switch to us.

Would you like a free Claim-Ready Coverage Check?

Yes, start mine

Your home is the big one

Your house is probably the most expensive thing you own. If a storm, a fire, or a burst pipe hits, the wrong policy can leave you paying out of pocket for the difference. We check the coverage that actually decides how a claim goes.

Whether your dwelling coverage is enough to rebuild at today's construction costs
Whether your roof is covered for full replacement or only its depreciated value
Water and sewer backup, which a lot of policies leave out
Ordinance-or-law coverage, which matters most on older homes when repairs have to meet current code
Hidden sub-limits on things like jewelry, firearms, and home business property
How your wind and hail deductible is set, and what a storm would cost you out of pocket

Your car matters too

Two gaps catch people off guard. First, car prices have jumped, so if your car is totaled, an older policy might not pay enough to replace it today. Second, if a driver with too little insurance hits you, you can be left covering the difference yourself. We check whether your coverage, including uninsured and underinsured motorist, would actually hold up.

The other stuff people forget

Own a boat or a motorcycle? Live somewhere water is a risk? Standard home and auto policies often leave those out, and a flood is almost never covered without a separate policy. If any of that is you, we'll look at it as part of your check.

A free 15-minute check, worth having even if you never call us again

A close read of your current policy by a licensed agent
A written gap report you keep, no strings
A rebuild-cost check on your home
A clear fix list with the real dollar cost to close each gap
A bundle quote across our carriers, if you want to compare

Would you like a free Claim-Ready Coverage Check?

Yes, start mine

Our promise

The report is yours to keep, even if you stay right where you are.
If you're paying for coverage you don't need, we'll tell you and help you cut it, even when it costs us the sale.

Questions people ask

Is it really free?

Yes. No fee, no obligation. We're paid by the carrier only if you decide to move your policy to us.

Do I have to switch?

No. Plenty of people run the check, learn where they stand, and stay put. The report is still yours.

How long does it take?

A few quick questions here, then about a minute to connect your policy if you choose to. We handle the review from there.

Is my information safe?

You can connect through Canopy Connect, a secure service that shares your policy details directly from your current insurer. You control the connection.

What areas do you serve?

We write in Georgia, Alabama and Tennessee, and also in Arkansas and Texas.

Would you like a free Claim-Ready Coverage Check?

Yes, start mine