Answer 10 yes/no questions across every coverage area. We’ll identify exactly where you’re exposed and what to do about it.
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10
Home & Property
Is your home insured for its full replacement cost — not just its market value?
Replacement cost covers rebuilding at today’s labor and material prices. Market value often falls short by 20–40%.
Home & Property
Does your homeowners or renters policy include flood coverage?
Standard HO-3 and renters policies never cover flood. Texas averages dozens of major flood events per year.
Auto
Do your auto liability limits exceed $100,000 per person and $300,000 per accident?
Texas state minimums (30/60/25) are exhausted quickly in a serious accident. Most financial advisors recommend 100/300 minimums.
Auto
Have you compared your home or auto insurance rates in the last 24 months?
Most insurers raise rates at renewal. Clients who haven’t shopped in 2+ years are typically 15–30% above market rate.
Liability
Do you have a personal umbrella policy with at least $1 million in coverage?
Umbrella adds $1–5M of liability protection on top of your home and auto for a few hundred dollars a year. Without it, a serious at-fault accident can exceed your base policy limits.
Life Insurance
Do you have life insurance equal to at least 8–10x your annual income?
Financial planners recommend 8–10x as a starting point for income replacement. Group life through work typically covers only 1–2x.
Health
Do you have individual or family health insurance that doesn’t depend on your employer?
Employer-sponsored coverage ends when you leave. 27% of working-age Texans have no backup plan if they lose their job.
Business
If you own a business: do you have Professional Liability (E&O) coverage?
General Liability doesn’t cover claims that your advice or services caused a client financial loss. E&O fills that gap. Skip this if you don’t own a business.
Business
Does your business have Cyber Liability insurance?
If your business stores client data, processes payments, or uses cloud software, a data breach can cost $150–$200 per affected record in notification costs alone.
Portfolio Review
Have all your insurance policies been professionally reviewed in the last 12 months?
Life events — new home, new job, new family member, new business — change your coverage needs. A 12-month review catches gaps before claims do.
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