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Insurance coverage gap check

Most people are not underinsured on the policies they hold. They are uninsured for the things those policies were never written to cover. Ten questions, and a list of what to ask about.

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  1. 1. Do you own the home you live in?
  2. 2. Is your home near water, on low ground, or does it have a basement or ground-floor living space?
  3. 3. Do you run any kind of business from home, even part-time or seasonal?
  4. 4. Does anyone in the household drive for a rideshare or delivery app?
  5. 5. Is there a driver under 21 in the household?
  6. 6. Do you own a boat, RV, motorcycle, ATV, snowmobile or jet ski?
  7. 7. Do you own jewellery, watches, art, instruments or collections worth more than everyday belongings?
  8. 8. Do you hold an umbrella liability policy on top of your home and auto cover?
  9. 9. Would your household keep paying its bills if your income stopped tomorrow?
  10. 10. Does your business employ anyone, including part-time, seasonal or family?

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