What problem does it solve? Many people are either overpaying for insurance or dangerously underinsured without knowing it. This Skill systematically reviews your existing policies, flags coverage gaps relative to your net worth and risk profile, and quantifies savings opportunities with concrete break-even math. ## Core Features & Use Cases - Coverage Assessment: Evaluates auto, home/renters, health, and life insurance against recommended minimums (e.g., 100/300/100 auto liability, replacement-cost dwelling coverage). - Gap Detection: Identifies missing umbrella, disability, flood, or renters coverage and insufficient life insurance for dependents. - Savings Analysis: Computes deductible break-even years, shopping cadence recommendations, and strategies like bundling, telematics, and dropping collision on low-value cars. - Use Case: A user paying $2,400/year for auto insurance with 25/50/25 liability and a $500 deductible gets a full review showing inadequate liability limits, a break-even calculation for raising the deductible, and a re-quoting action plan. ## Quick Start Review my current insurance policies and tell me where I have coverage gaps or could save money on premiums.
