Built for independent P&C agents

Stop missing coverage gaps
that become E&O claims.

CoverCheck scans any homeowner declaration page in seconds — flagging underinsured limits, missing endorsements, and coverage gaps before they become your liability.

or Book a 15-min Demo →

Takes 30 seconds. No credit card. No signup required.

60s
To scan any dec page
40%
Rise in construction costs since 2020
$130K
Avg gap found per policy
$149/mo
Cancel anytime. No contracts.
No client data stored
60-second analysis
HO-3 · HO-5 · HO-6 policies
All major carriers
E&O documentation built-in
FL · TX · CO · AZ · GA · NC markets
HTTPS encrypted
Why CoverCheck

One tool. Three problems solved.

Every renewal you send without checking is a gap waiting to become a claim.

Save 15–30 Min Per Policy

What takes you 20 minutes of manual review takes CoverCheck 60 seconds. Scale your book without scaling your hours.

🔍

Catch What You're Missing

Construction costs are up 40% since 2020. Most policies haven't kept pace. CoverCheck flags every gap — dwelling limits, endorsements, and more.

🛡️

Reduce Your E&O Exposure

Every scan creates a timestamped record that you reviewed coverage. That's your documented defense when a client asks why you didn't catch it.

Upload a policy → see issues in 30 seconds

No signup · No credit card · Files never leave your device

The Difference

What changes when you run CoverCheck.

Side by side — the same renewal, with and without a gap analysis.

❌ Without CoverCheck
  • 20-minute manual review — or none at all
  • Dwelling limit not checked against rebuild cost
  • Missing endorsements go unnoticed until claim time
  • No documentation of your professional review
  • Client calls their attorney after a partial payout
  • E&O claim — your word against theirs
✓ With CoverCheck
  • 60-second gap analysis on every renewal
  • $130K dwelling shortfall flagged automatically
  • Missing Ordinance & Law, Water Backup caught
  • Timestamped E&O record created instantly
  • You have the conversation before the claim
  • Documented review = your professional defense
See it on your next policy →

Free · No signup · 30 seconds

Real Output

This is what CoverCheck actually finds.

Not a feature list. An actual gap report — the same output you'd get on your first scan.

Gap Report — HO-3 Policy
State Farm · Tampa, FL 33601 · Renewal 2026
3 Gaps Found
Dwelling Limit
$380K / $510K needed $130K Gap
Ordinance & Law
Not present Missing
Water Backup
Not present Missing
Personal Liability
$300,000 Adequate
Total Exposure Gap $171,000
⚠ $130K Dwelling Gap

Policy limit is $380K. Current replacement cost for this ZIP is $510K. If the home burns down, the client is $130K short — and your name is on the renewal.

⚠ Missing: Ordinance & Law

After a partial loss, code upgrades can add 20–30% to rebuild cost. Without this endorsement, the client pays that out of pocket.

📋 E&O Record Created

This scan is timestamped and logged. You reviewed the policy. You flagged the gaps. That's your documented defense — whether or not the client acted on it.

Run This on Your Next Policy →

Built for independent insurance agents reviewing HO dec pages. Not affiliated with any carrier.

Most policies we scan flag at least 1 issue. Is yours one of them?

How It Works

Three steps. No training. No setup.

Upload a dec page. Get a gap report. Have the conversation that saves the client — and your book.

Step 01
📄

Upload the Dec Page

PDF or image. Any carrier. Any state. Drag and drop.

Step 02
🔍

CoverCheck Scans It

Dwelling limits, endorsements, and gaps checked in under 60 seconds.

Step 03
📊

Get the Gap Report

Plain-English findings. Dollar amounts. Your logo. Your E&O file.

See the full walkthrough + ROI breakdown →
The Numbers

The risk is already in your book.
You just can't see it yet.

$73K
Avg E&O claim settlement
1 in 6
Agents face an E&O claim in their career
40%
Of E&O claims involve inadequate coverage advice
$149/mo
Cost of CoverCheck vs. $73K claim exposure

"Found a $140K gap in the first policy I scanned. That client would have been furious — at me — after a total loss."

Marcus T., Independent P&C Agent · Tampa, FL

See it work on one of your real policies.

No signup. No credit card. Takes 30 seconds.

No client data stored Files never leave your device Cancel anytime Plans from $149/mo

Want a guided walkthrough? Book a 15-min demo →