Every policy. Every renewal. Every dollar.
Nobody wakes up wanting an insurance score. They wake up not knowing what four policies are costing them, or that a renewal is coming. This is the insurance you already have, finally in one place — what you own, what it costs, when it renews, and what the form actually says.
Add your first policy in about two minutes — you can type it in, no documents needed.
One number you've never seen
Insurance has a paperwork problem. The paperwork is the part we fix first — because you cannot think about coverage you cannot find.
Four policies. Four bills.
Home, auto, life, umbrella — different carriers, different renewal dates, different payment schedules. Add them up and most people are surprised. We add them up.
The dates nobody tells you
Renewals, grace periods and payment dates — plus the deadlines that never appear on a bill, like the year a term life premium jumps, which is almost never the year the policy ends.
Paid through escrow
If your homeowners premium is paid through your mortgage escrow, you are spending thousands a year on a bill that never arrives. It is still your money.
Your premium went up. By how much, exactly?
We track what you paid last term and the term before. Not an industry average — your number, over time. When a line moves enough against your own prior term, the vault says so and shows both figures side by side.
That comparison is the household against itself, which is why it needs no benchmark and carries no population qualifier. It is a statement of what changed, and the next step it points at is a question, not a verdict: worth a quote.
Premiums are billed in five different cadences — monthly, quarterly, semiannual, annual, paid in full — and they do not cost the same. Paying monthly is routinely more expensive than paying in full, and that difference never appears on a declarations page.
The vault stores what you are billed and computes what it costs, so every line is comparable to every other line, however it is paid.
Nothing lapses silently
These are the dates the vault tracks on the policies you have entered. Each one is read off your own documents — no estimate, no model, no assumption about whether you have enough of anything.
A policy whose expiration date falls inside the next thirty days, and one already past its expiration date but still marked active.
On a term life policy, the date the level premium ends — a different date from the policy's expiration, and the one where the premium typically steps up sharply.
The date the right to convert a term policy without new underwriting runs out. Once it passes, the option is gone.
An umbrella sits on top of the limits underneath it. When the two renew on different dates, that gap is worth asking an agent about.
A recorded non-renewal or cancellation notice, and the date it starts running from.
Every date above lands on one calendar, in order, with the amount attached. Not sure about a field? That is a normal answer — the vault will show you where to look on the document.
Somewhere between two documents is a question nobody asked you
Coverage gaps rarely look like gaps. They look like a question that was never on the form — and an exclusion nobody walked you through.
The questions your insurance company never asked
Do you drive for a rideshare app? Is the house empty during the renovation? Do you pay someone to watch your kids? Each one touches a policy you already own, and none of them are on any form you have ever filled out.
Nobody asks about the e-bike
Your auto policy does not cover it. Your homeowners policy may exclude it. Somewhere between those two documents is a question nobody asked you.
What's excluded is the part nobody explains
Flood is not in your homeowners policy. Neither is water backing up through a drain. These are not opinions — they are printed in the form.
Every one of those is answered in full on the site before anything asks you to sign up — see the guides. The vault is the next step, not the paywall.
The vault is free. It stays free.
CoverScore is where your insurance lives: every policy, every renewal date, every dollar — plus the questions nobody asked you and the exclusions nobody explained. Free, and free of anyone trying to sell you a policy.
How CoverScore makes money →Policy documents are some of the most revealing paperwork a household owns. Yours are shareable only by explicit grant, one domain at a time, and health coverage sits behind a separate wall from the rest.
Know what you own before you need it.
Add your first policy in about two minutes. You can type it in — no documents needed, no card, and nothing to cancel.
Open your vault — freeCoverScore provides general educational information about insurance, not insurance advice. We are not a licensed insurance agent, broker, or consultant. Figures shown are drawn from your own policy documents and from published sources, which are cited. For advice about your specific situation, talk to a licensed insurance professional.