Am I Underinsured? Calculator
Find out if your home is insured for enough to actually rebuild it. Construction costs have increased 40% since 2020—is your coverage keeping up?
What is your current dwelling coverage amount?
This is on your declarations page, usually labeled "Coverage A - Dwelling"
Are You Underinsured? Most Alabama Residents Are
Studies show that over 60 percent of American homeowners are underinsured, and the problem is even worse in Alabama where severe weather, rising construction costs, and low state minimums create a perfect storm of coverage gaps. This quiz helps you identify whether your current insurance leaves you exposed.
The quiz evaluates your coverage across multiple dimensions: dwelling replacement cost, personal property limits, liability protection, deductible levels, and specialized coverage for Alabama risks like wind, hail, and flood. Each question is designed to uncover common gaps that could leave you financially vulnerable after a loss.
If the quiz reveals potential gaps, do not panic. Many coverage improvements are surprisingly affordable when you work with an independent agent who can shop multiple carriers. Get a free coverage review from TCDS to see exactly where you stand and what it would cost to close any gaps.