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Coverage Gap Self-Assessment

Answer 10 quick questions to identify potential gaps in your homeowners insurance. No email required—get instant results.

Question 1 of 100% Complete

Do you have separate flood insurance?

Why this matters: Standard homeowners policies generally exclude flood; check the policy and any separate flood coverage.

Select an answer, then choose Next. Use Not Sure when you need to check your policy.

0 of 10 questions answered

Coverage questions and answers

What is a coverage gap assessment?

A coverage gap assessment is a review of your existing insurance policies to identify areas where you are underinsured or missing coverage entirely. Common gaps include insufficient dwelling replacement cost, no flood insurance, low liability limits, and missing water backup coverage. TCDS provides free gap assessments to help you understand where your current protection falls short.

How often should I review my insurance coverage?

Review your coverage at least once a year, and any time you experience a major life change — marriage, divorce, new home, new baby, significant raise, or a large purchase like a boat or RV. Your coverage needs shift as your assets and family situation evolve. TCDS offers free annual reviews to keep your protection current.

Our 42 carrier partners

Personal, business, and specialty markets—matched to your needs and eligibility. A directory listing does not mean every partner can quote every product or state.