OwnerHacks tool

Homeowners Insurance Coverage Checkup

Spot common coverage gaps before a claim exposes them.

Fast standalone toolNo account requiredPlanning estimate

Coverage gap check

Dwelling coverage

Estimated rebuild cost

Largest deductible

Cash available for claim

Potential coverage gap

Deductible cash gap$0

Risk levelCheck

ActionReview

Not insurance advice. Your declarations page, endorsements, exclusions, and carrier rules control.

Methodology + trust

Use the tool first. Check the assumptions after.

This section is intentionally below the calculator so the page stays clean while still giving Google and readers the trust signals they need.

How this estimate works

The checkup compares dwelling coverage to estimated rebuild cost and compares the largest deductible to cash available for a claim.

Assumptions used

Coverage gaps can come from low dwelling limits, high deductibles, exclusions, or missing endorsements.
Replacement cost, ordinance/law, water backup, wind/hurricane, and contents rules vary by policy.
The tool flags questions to ask your agent; it does not interpret your policy.

Example scenario

Example: if rebuild cost is higher than dwelling coverage and the hurricane deductible is larger than available cash, the homeowner may have two separate problems.

When not to rely on it

Do not use this instead of your declarations page or agent. Policy language, endorsements, exclusions, and carrier underwriting control.

Reviewed for homeowner decision quality

OwnerHacks guidance is reviewed for plain-English usefulness, realistic tradeoffs, and homeowner risk. OwnerHacks calculators are educational planning models. They are not contractor quotes, insurance advice, lending disclosures, legal advice, tax advice, or appraisal-specific analysis.

Florida OIR homeowners resources NAIC homeowners insurance guide Editorial policy Disclaimer

OwnerHacks tools are educational planning models and do not replace professional advice, insurance policy language, contractor quotes, lending disclosures, legal advice, or appraisal-specific analysis.