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Resources · Decision Tools

Decision Tools

Three tools to help you make smart insurance decisions before you need them. Each one walks you through a specific question with input from a public adjuster's perspective.

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About these tools: Each tool gives you guidance based on your specific situation. They are not legal or financial advice. They do not file claims, change your policy, or share your information with carriers. Use them to think clearly before you act.
1
Should I File This Claim?
Will filing this claim cost me more than it pays out?

Filing a small claim can sometimes hurt you more than it helps. Premium increases, lost discounts, and surcharges can outweigh the payout. This tool runs the math.

Should I File This Claim?

Get personalized guidance on whether filing makes financial sense

2
Do I Need Umbrella Insurance?
Are my home and auto liability limits enough to protect what I've built?

Umbrella insurance kicks in when your home or auto liability gets exhausted. A serious accident or lawsuit can wipe out your savings if you're underinsured. This quiz tells you if you need it.

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3
Do I Need Gap Insurance?
If my car is totaled, will my insurance cover what I still owe?

Cars depreciate fast. If yours is totaled, your insurance pays its current market value, not what you owe on the loan. Gap insurance covers that difference. This tool shows you whether the gap is real for you.

Do I Need Gap Insurance?
If you have a loan or lease on your vehicle, you may have a gap between what your insurance pays and what you owe. Calculate yours below.
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Check Kelley Blue Book if unsure.

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