Free Insurance Audit Checklist
A step-by-step PDF checklist to review your auto, home, life, and health insurance policies — so you can find coverage gaps, eliminate duplicate coverage, and stop overpaying.
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What's Inside the Checklist
Auto Insurance Review
- ✓Confirm liability limits meet state minimums AND your asset level
- ✓Verify uninsured/underinsured motorist coverage is active
- ✓Check collision & comprehensive deductibles
- ✓Review all listed drivers and vehicles for accuracy
- ✓Confirm any discounts are applied (good driver, bundling, telematics)
Home / Renters Insurance Review
- ✓Confirm dwelling coverage equals current rebuild cost (not market value)
- ✓Review personal property limit and schedule high-value items
- ✓Check liability coverage (recommended: $300,000+)
- ✓Verify Additional Living Expenses (ALE) coverage
- ✓Note separate deductibles for wind/hail or hurricane (if applicable)
Life Insurance Review
- ✓Confirm beneficiaries are current (update after marriage, divorce, children)
- ✓Calculate if death benefit still covers income replacement needs
- ✓Check term expiration dates
- ✓Review any permanent policy cash value and loan balances
Health Insurance Review
- ✓Confirm deductible, out-of-pocket maximum, and copay structure
- ✓Verify your doctors and prescriptions are in-network
- ✓Check HSA/FSA contribution limits and balances
- ✓Review dependent coverage ages
Coverage Gap Checklist
- ✓Flood insurance (if in or near a flood zone)
- ✓Umbrella liability policy ($1M+ for asset protection)
- ✓Disability income insurance
- ✓Long-term care insurance (if over 50)
Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.