Policy value desk · U.S. consumers

See what your coverage is really worth against your risk.

Independent guides and calculators for comparing limits, deductibles and exposure across auto, home, renters, life, health and umbrella policies.

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Declarations

Coverage vs exposure

Illustrative gap

Limit − Exposure

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Quick Valuation Tool

An informational perspective only. Actual needs depend on policy terms, circumstances and professional advice.

Policy Value Matrix

Factor	What to check
Coverage purpose	Which loss the coverage addresses
Coverage amount and limits	Per-event, aggregate and sub-limits
Deductibles	Flat or percentage, by peril
Exclusions and endorsements	What is removed or added by wording
Premium relationship	How changing limits or deductibles may shift cost
Claims considerations	Proof required, valuation basis, deadlines

Claims Roadmap

Review policy
Document the loss
Notify the insurer
Gather requested information
Track claim progress
Review the insurer's decision

Policy Value Principles

Compare exposure size with limits; consider rebuild or replacement cost rather than market value; weigh liability exposure against assets; choose deductibles you can actually pay; read exclusions; and check endorsements for gaps.

Questions Before Reviewing Policy Value

What financial risk am I actually transferring?
Are my coverage limits still appropriate?
Could I handle the deductible?
Which exclusions matter most?
Have my assets or responsibilities changed?
What would happen if the covered event occurred?

Policy Value Vocabulary

Policy limit

Maximum the insurer may pay for a covered loss.

Deductible

Amount you pay before coverage applies.

Premium

Price paid for coverage over a period.

Endorsement

Written change that adds or alters coverage.

Exclusion

Loss or situation the policy does not cover.

Actual cash value

Replacement cost minus depreciation.

Replacement cost

Cost to replace without deducting depreciation.

Liability limit

Cap on payment for harm you cause others.