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Coverage review

An independent read on the whole household.

Send us what you already have and we'll tell you what we would pay attention to. No pricing, nothing to sign, nothing to move. If it's already well built, that's what you'll hear.

Take the 90 second review Ready for pricing? Get a quote
A private client coverage review is an educational read on the insurance a household already owns. We check the reconstruction estimate, the loss settlement terms, the valuables limits, what the umbrella sits on, and every residence, then tell you plainly what is worth a second look. It isn't a quote, an application, or a decision about whether anything is covered.

Why this exists separately from a quote

Most people in this spot do not need a price. They need somebody to read what they already bought and say whether it does what they think it does. Those are two different jobs. Mixing them is how people get sold something before anybody worked out what was wrong.

So we keep them apart. There is no pricing in the review, on purpose. Want a quote afterward, you can have one. Never want one, that's a fine place to end up. Plenty of these finish with us telling somebody what they already own is better than they thought.

What we check

Six things, in this order.

The rebuild number

Would the dwelling limit actually rebuild the house as built, with its finishes, at what materials and labor cost now? Code upgrades and the architect included.

The settlement basis

A limit is only as good as the terms attached to it. We read whether you have extended replacement cost, guaranteed replacement cost or neither, and what conditions hang off it.

Valuables and collections

We put the internal limits on your policy next to what you actually own. Then whether listing items one by one beats one blanket amount, or the other way round.

Liability and the umbrella

The umbrella demands certain limits underneath it. We check those, and whether every home, vehicle, rental, boat and entity is actually sitting under it.

Every residence, not just the main one

Second homes, seasonal places, out of state houses and anything held in a trust get read next to the primary. That is where things fall through.

Catastrophe decisions

Earthquake and flood sit outside the homeowners policy entirely. We check whether you decided that or just ended up there.

Start the review

Two ways in. For a fast read first, take the ten question review. About ninety seconds, and you see the result before we ask you for anything. If you'd rather just hand over the policy, use the form.

Either way, none of this is an application, and nobody's underwriting you.

Rebuild cost, not what the house would sell for. Not sure is a perfectly good answer.

We use this to prepare the review and to write back. We don't sell or share client information, and asking for a review doesn't put you into a quoting sequence.

Frequently asked

Coverage review questions.

Is this a quote?
No. No pricing in it and nothing to sign. It's an educational read on the coverage you already have. Ask for pricing afterward if you want it. Plenty of people never do.
What do I need to send?
Declarations pages for the home, the auto and the umbrella are enough to start. Schedules for jewelry, art or collector cars too, if you have them. Missing something? Send what you have.
What will I get back?
A plain language read on where the coverage fits the household and where it does not, what we would look at first, and the questions worth putting to whoever handles it now. If what you have is already well built, we'll say so.
Will this turn into sales calls?
No. Review requests don't go into a quoting sequence. Ask for pricing and we will quote. Don't ask, and you hear from us once with the review and that's the end of it.
What happens to my documents?
They get used for the review and nothing else. We don't sell or share client information. If you'd rather not email a declarations page, say so and we'll send a secure upload link instead.
When is the right time?
Before a renewal, after a premium increase, after a non-renewal notice, when a renovation is planned, when a home is bought or sold, or when something showed up that the policy doesn't know about. Also any time nobody's looked at the whole household together in a few years.

Vantage Point Risk is an independent insurance agency. A coverage review is educational and is not a quote, an application, an underwriting decision or a determination that any loss is or is not covered. Coverage availability, eligibility, limits, forms and endorsements vary by carrier, by form and by state and are subject to the policy as issued. Anything we identify should be confirmed against your own policy documents.

Educational, no obligation

Find the gaps before a claim does.

Send the declarations pages. We will read the rebuild number, the settlement terms, the valuables limits and the umbrella against the household you actually have.