Two memberships. Both free at launch.
The only difference between them is how often we look — not how much of your risk we're willing to show you. Every score, every edition, and every recommendation is in the free tier. Always-On adds monitoring cadence, and it's free at launch too. When that changes we'll say so here first, before it happens.
Free to see. Pay only to fix.
Free Report
One small input — a ZIP, an email, a product — returns a real score with an honest confidence band. Nothing saved, nothing asked for.
Deep Report
Add photos, documents, or a questionnaire and the band tightens. We ask for an email so the score survives until you come back — that's the only thing we ever gate.
Action
The gap becomes one concrete step. Many are free and you do them yourself. Where money changes hands it's with a third party, never with us for access.
Basic
AlwaysEvery score, every edition, the full directory and your plan. Your risk profile refreshes once a year, and whenever you come back and add something.
- ✓All five editions scored
- ✓Annual risk refresh
- ✓Full directory and My Plan
- ✓Provenance ledger
Always-On
At launchEverything in Basic, monitored continuously instead of annually. Risk does not wait twelve months to change, and neither should the alert. (Not to be confused with CoverScore Pro, our separate product for financial advisers.)
- ✓Monthly re-score, every edition
- ✓Credit and breach monitoring alerts
- ✓Life-trigger re-scoring in real time
- ✓Household seats
CoverScore Pro (seats for advisors and agents) is priced separately — coming soon, see CoverScore Pro for partners. Households are never charged for it.
Only at the Action step, and only when it's disclosed.
Some directory entries are affiliate links, and we earn a commission if you buy through them. Those entries are labelled as affiliate wherever they appear, they're ranked on evidence like everything else, and a free alternative is listed above them whenever one exists. No affiliate relationship affects any score, in any edition, ever.