How it works

Know your risks. Find the gaps. Fix what you can, cover the rest.

Four steps, the same on every part of your life we look at. You can stop after any one of them. The first two are free, and you never need an account to start.

01Assess

We read the public record about you, in one go.free · no account

02Find the gaps

We hold what we found against what you hold.free · with your vault

03Fix what you can

Fixes matched to what we found. A free one always.free first · paid options

04Cover the rest

For what can’t be fixed, what a policy would say.paid · we sell no policies

Step 01 · free · no account

We check the places you’d never get round to checking.

Give us one thing (an address, an email, a product, your age) and we read every relevant public source at once: hazard maps, breach databases, recall lists, screening guidelines. You get a score, the parts that make it up, and the source and date behind every number.

You giveOne thing per lens. Nothing else to start.

You getA 0–100 score with a ± band, the findings that matter most, and every source dated.

Run a free report →

Features in this step

Six free reportsfree

Home, Privacy, Money, Family, Health and Products. Each one stands alone.e.g. A Home report from an address

One smart fieldfree

Type an address, email or product and we pick the right report.e.g. an email address → Privacy

Findings, gradedfree

The findings that matter most, graded high, medium or low, each with its cause.e.g. Bark mulch against the siding

Source receiptsfree

Every number links to where it came from and when we last read it.e.g. FEMA flood map, with the date read

Step 02 · free · with your vault

Set each finding against the policies you hold.

Save a report and it becomes your vault. Add a declarations page or benefits booklet and we read it line by line, then set each finding against each policy: covered, below the estimate, or not covered. Run two reports and your overall CoverScore appears.

You giveAn email to save it. A policy PDF if you want the comparison.

You getYour CoverScore, a finding-by-policy grid, and the largest difference shown first.

Start your vault →

Features in this step

Your vaultfree · vault

Policies, papers, things and accounts on four shelves. Only you and the people you name can open it.e.g. A will, a power of attorney, two passports

Policy readerfree · vault

Drop a dec page; we pull limits, deductibles, exclusions and renewal dates.e.g. Dwelling limit and renewal date, from the page

Coverage checkfree · vault

Every finding against every policy, with the page that says so.e.g. Water backup: not covered

Your CoverScorefree · vault

One number across all six lenses, once two are scored.e.g. Shown with its ± band

Step 03 · free first · paid options

The cheapest fix is the one that means you never claim.

Each finding comes with fixes from the Solutions library, filtered by your score. Free and do-it-yourself options are listed first, always. Paid tools and pros come after, ranked by evidence and never by what we earn. Tick what you’ll do and see what it would change.

You giveNothing. Tick what you’ll do.

You getA ranked plan, what each fix is worth to your score, and a to-do list.

Browse the Solutions library →

Features in this step

Solutions libraryfree

Fixes for every lens, sorted by your score. Free and DIY first.e.g. Freeze your credit files

Score simulatorfree

Tick a fix and see what it would do to your score before you start.

To-dos and remindersfree · vault

What you picked, in order, with a nudge when it’s due.e.g. Clear gutters before fire season

Pros from our sister sitespartner

Defensible Homes, HomeDoc and SafeMama when a fix needs a pro. We may earn a fee; it never changes the order.e.g. An inspection narrows the ± band

Step 04 · paid · we sell no policies

Insurance is for what’s left. We show you what the paper says.

Once you’ve fixed what you can, we show what each policy would and wouldn’t answer. Set a quote beside what you hold, line by line, or get your renewal questions ready ahead of time. We don’t sell or broker insurance, so nothing here depends on which policy you keep.

You giveA quote or renewal notice, if you have one.

You getWhat a lower premium gives up, and questions to take to a licensed agent.

See how insurance works here →

CoverScore 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.

Features in this step

Compare a quotepaid

Any quote against what you have now, line by line.e.g. Cheaper, but drops water backup

Renewal reviewpaid

What changed in your risks since last year, and what to ask.e.g. Questions for your agent

Keep it watchedpaid

We re-check all 231 places and tell you when something moves.e.g. A new breach, with its date

Know your benefitsfree

What your employer and plans already give you, so you don’t pay twice.e.g. Disability benefit terms

How we score

Your score starts rough and gets sharper. We tell you which.

Every score is 0 to 100, and a higher number means better prepared. It is a ranking, not a probability. The ± next to it is how sure we are, and it narrows as you tell us more. The score itself only moves when the evidence does: uploading a document never makes you look safer than you are.

on track
watch
act now

Layer 1 · automaticArea estimate

A first estimate.

What homes like yours, where you are, usually look like. A wide band, because we haven’t heard from you.

Illustration of the ± band, not a score

Layer 2 · from youYour details

Now it’s your house.

Roof, vents, clearance and a few photos. The score can move down because the evidence did.

Illustration of the ± band, not a score

Layer 3 · a pro · one visitVerified

Tight enough to argue with.

A licensed inspection. The tightest band we show, and the one a mitigation discount conversation can rest on.

Illustration of the ± band, not a score

Everything in one place

What you can do once you’re in.

Six reportsfree

One for each part of life we check, each free on its own.Scores menu

Your CoverScorefree · vault

All six together, set against every policy you hold.Dashboard

Your vaultfree · vault

Policies, papers, things and accounts, on four shelves.Vault

People & legacy accessfree · vault

Add your household or a parent. Name who can open what, and when.Vault → People

Solutions libraryfree

Fixes for every finding, free and DIY first, never ranked by commission.Every report

Policy readerfree · vault

Drop a dec page; we read it line by line.Insurance → Manage

Coverage checkfree · vault

Every finding against every policy.Insurance → Optimize

Compare a quote & renewal reviewpaid

What a lower quote gives up; what to ask at renewal.Insurance → Optimize

Keep it watchedpaid

All 231 places re-checked, with alerts when something moves.Paid plan

Free and paid

Checking is free. Keeping watch is what you pay for.

Feature	Free reportfree forever	Free vaultfree forever	Premiumfree in beta
Run any of the six reports	✓	✓	✓
Findings and source receipts	✓	✓	✓
Solutions library, free fixes first	✓	✓	✓
Save reports to your vault	—	✓	✓
Your CoverScore across all six	—	✓	✓
Policy reader and coverage check	—	✓	✓
People and legacy access	—	✓	✓
Re-checks and alerts	—	—	✓
Compare a quote, renewal review	—	—	✓

Everything is free while we’re in beta. See pricing → Working with clients? CoverScore Pro →

What we promise

The rules we built this on.

We are not an insurer or a broker.We sell no policies, and no money we make depends on which cover you keep.

We never sell or share your data.Not with insurers, brokers or data brokers. Delete everything in one click.

A free fix comes first, every time.Every list of fixes leads with a free or do-it-yourself option.

Ranked by evidence, never commission.Where we earn a referral fee, it says so, and it never changes the order.

Every number shows its source.With the date we last read it. If we can’t cite it, we don’t score it.

Health stays walled off.Opt-in, never in any insurance view, never shared.

Questions people ask first

Do I need an account?

No. Every report runs without one. You only need an email if you want to save it to your vault.

Will this raise my insurance rates?

No. We never share anything with insurers. What you show your agent is up to you.

Where does the data come from?

26 government databases, 190 data-broker sites, 12 security and credit services, and the policies you choose to add. Every source is listed and dated, and the list grows as we add more.

Why did my score go down when I added details?

Because the area estimate assumed an average house. Your details replaced the assumption with evidence. The band narrowed, and that’s the point.

How do you make money?

The paid plan, and clearly labelled referral fees on some paid fixes. Never from selling insurance or data.

Is the Health score about how healthy I am?

No. It’s a health coverage score: whether the screenings due at your age are done and paid for by your plan. We never score your body, and Health is opt-in and walled off from every insurance view.

Can I do this for a parent?

Yes. Add them as a person in your vault, with their permission, and run their reports from there.

231 places checked today. Sources are listed and dated on the sources page.

Start with one worry. See the whole picture later.

Run a free report →See the six scores