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Insurance Preparedness Checklist

Twelve insurance questions worth having an answer to. Answer each one, and the checklist lists the ones worth a closer look, with a place to learn more. It’s a fixed, rule-based checklist, not AI and not a professional assessment. There’s no score and no passing mark, and nothing you answer is saved or sent anywhere.

The 12 questions

  • 1. If you own a car, do you carry auto insurance that meets at least your state’s minimum requirements? (If you don’t own a car, answer yes.)

  • 2. Do you have a homeowners or renters insurance policy in force for the place you live?

  • 3. If anyone depends on your income (kids, a spouse, aging parents), have you looked at whether life insurance makes sense for you? (If no one depends on your income, answer yes.)

  • 4. Have you checked whether you have disability coverage (through work or on your own) that would replace part of your income if you couldn’t work?

  • 5. Have you reviewed your insurance coverage and limits within the last two years?

  • 6. Do you know the deductible amounts on your current policies without having to look them up?

  • 7. If you drive, have you reviewed whether your auto liability limits would be enough for a serious accident? (If you don’t drive, answer yes.)

  • 8. Have you reviewed whether the personal-liability limit on your homeowners or renters policy fits your circumstances?

  • 9. Do you have an inventory (photos, video, or a written list) of your major possessions in case you need to file a claim?

  • 10. If you live in a flood-prone area, have you looked into separate flood insurance? (If you’re not in a flood-prone area, answer yes.)

  • 11. Have you considered whether your liability limits, including any umbrella coverage, are appropriate for the assets and future income you want to protect?

  • 12. If you freelance or run a business, do you have business insurance (general liability, professional liability, etc.)? (If you don’t freelance or run a business, answer yes.)

Financial resilience (not part of the insurance checklist)

Do you have an emergency fund covering a few months of expenses?

Not an insurance question, but it’s what covers deductibles and waiting periods, since insurance rarely pays everything immediately.

Worth a closer look

Answer all 12 questions above to see which ones are worth a closer look.

Educational information, not advice: This is a fixed, rule-based checklist built from your own answers. It isn’t AI, it doesn’t verify anything against a real policy, it isn’t professionally validated, and it isn’t a substitute for a coverage review with a licensed professional. Actual coverage needs, availability, and requirements depend on your insurer, your policy’s wording, and the laws of your state. Insurpedia does not sell insurance and does not recommend specific insurers.