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Money · liability, income, unclaimed

What would you lose if something went wrong?

A lawsuit, a year off work, a debt nobody else could pay. We set what you own and earn against the limits on the policies you already have.

Get my estimate →

Needs a ZIP + 4 answers · about 3 minutes

Not an insurer, agent or broker. CoverScore doesn’t sell insurance.

49
±12
act now
low confidence
likely range 37–61

A relative ranking of preparedness among households like yours — not a probability.

51% of adults own life insurance; 40% (~100 million adults) say they need it or more of it; 47% would face hardship within 6 months of a primary earner's death.

life.insurance.gap

63% of adults would cover a $400 surprise expense with cash or equivalent; only 13% could not pay it by ANY means.

life.shed.400

Claiming Social Security at 62 permanently cuts the benefit 30% (FRA 67); each year of delay to 70 adds 8%. In 2023, 22.9% of new awards were at 62 and only 8.6% at 70 or later.

life.ss.claiming

Sample
Sample report · a sample household

Assets are $310k above your liability limits.

Sample

Top flag: No umbrella policy, with a teen driver in the house.

Illustrative numbers for a sample household. Your report shows your own, with its confidence range. The score is a ranking, never a probability.

  • on track
  • watch
  • act now
What we check

Four ways money leaks out, and the unclaimed money coming in.

A ZIP gives a first estimate from households like yours. Four questions make it yours, and a dec page makes it exact.

Liabilityact now · 34 (sample)

What you own vs. auto and home liability limits.

Weight 35% · read from your policies

Income lossact now · 48 (sample)

Disability cover vs. what you’d need.

Weight 30% · read from SSA, your benefits

Debt coverwatch · 61 (sample)

Whether debts die with you or pass on.

Weight 20% · read from your answers

Unclaimed moneywatch · 72 (sample)

Money held in your name by states and Treasury.

Weight 15% · read from MissingMoney, TreasuryDirect

Sample red flags

What stands out first

  • high
    Assets exceed liability limits
    A judgment above your limit comes from savings.
  • medium
    Disability covers 6 months
    Most long disabilities last longer.
  • low
    Unclaimed property in 2 states
    Yours to claim, for free.
Fixes · free first

What you can do about it

  1. Claim unclaimed property+3 pts (sample)
    Free / DIY$0DIY · 10 min
  2. Check SSA disability estimate+2 pts (sample)
    Free / DIY$0DIY
  3. Update beneficiaries+3 pts (sample)
    Free / DIY$0DIY
  4. $1M umbrella policy+12 pts (sample)
    ~$300/yryour agentWe may earn a fee
Partners

Spend less to run the house, keep more in the buffer.

  • HomeEnergyPlanner
    Cut the running costs

    What upgrades actually pay back, with rebates for your address.

    Lower fixed costs widen the buffer your Money score measures.

    We may earn a fee

Cover the rest

The cheapest cover for the biggest number.

An umbrella is usually the most protection per dollar a household can buy. We check whether you’d need one.

  • Umbrella liability
    $1M for about $300/yr.
    Not covered
  • Long-term disability
    Employer plans often stop at 60%.
    Below estimate
  • Term life
    Matched to debts and dependents.
    Covered
  • Free option: Claim unclaimed property
    Listed first in the fixes above. Nothing in this table is a recommendation to buy.
    Free
What this is, and what it isn’t

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.

Sources for this lens

Where the data comes from

4 places checked for this score. List last reviewed 2026-11-02.

  • Social Security benefit estimatesreviewed 2026-11-02
  • MissingMoney (NAUPA)reviewed 2026-11-02
  • TreasuryDirect unclaimed bondsreviewed 2026-11-02
  • Your policies (money)reviewed 2026-11-02
What happens when you run it

Four steps, free first

  1. Step 1

    Add what it needs

    Needs a ZIP + 4 answers. About 3 minutes.

  2. Step 2

    We check the sources

    Public and licensed sources, each cited with its review date.

  3. Step 3

    Read the score and its range

    A ranking with an honest confidence band, never a bare number.

  4. Step 4

    Start with the free fixes

    Free and DIY options are listed before anything paid.

Questions

Plain answers

Do you need my account logins?

No. Ranges are enough. You never connect a bank.

Is this financial advice?

No. It’s a map of exposure. It includes questions to take to a licensed agent or planner.

How do you find unclaimed money?

Public state and Treasury databases. Claiming it is always free.

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