Most people assume their insurance is “fine.”
They haven’t had a claim, their premiums seem reasonable, and maybe their agent checks in once a year.
But here’s what we see every single week during Protection Reviews™:
Policies that look good on the surface… but have serious holes underneath.
These aren’t obscure, technical issues either. They’re real gaps that could cost you tens or hundreds of thousands of dollars—and most people have no idea they’re exposed.
Let’s break down the three most common gaps we uncover:
1️⃣ Underinsured Homes Due to Outdated Replacement Costs
You might think your home is covered for its full value. But ask yourself this:
“When was the last time someone updated the replacement cost on my homeowners policy?”
Here’s the reality in 2025:
- Construction costs are still inflated
- Labor shortages cause delays and overruns
- Code upgrades (ordinance & law) can add tens of thousands to rebuilds
And most policies are based on estimates that haven’t been reviewed in years.
What we see: Clients who think they’re covered for $500k—but would need $650k+ to rebuild.
2️⃣ Low Liability Limits with No Umbrella Protection
Liability claims aren’t just for the ultra-wealthy.
- One distracted driving accident
- A slip-and-fall injury on your property
- A lawsuit over a rental or Airbnb
All of these can easily result in six- or seven-figure claims.
Yet most base policies cap liability coverage around $300,000—and few clients have umbrella protection added.
Umbrella insurance isn’t just for millionaires. It’s for anyone who has a home, savings, income, or retirement to protect.
What we see: Families with real assets and income—but no excess liability protection.
3️⃣ Missing or Misaligned Life & Income Protection
This one hits hardest:
- Clients with group life insurance they don’t actually control
- Professionals without any disability coverage
- Parents with no backup income plan if something happens to them
Your income is what makes everything else work—yet it’s often the most under-protected asset we find.
What we see: Dual-income families who’ve insured the house, the car, and even the dog—but not the paycheck that pays for it all.
🔍 The Bottom Line: “Having Insurance” Isn’t the Same as Being Protected
Most of the policies we review were:
- Thrown together over time
- Sold by different agents in different life stages
- Based on price, not strategy
That’s why our clients go through a full Protection Review™—to identify these gaps before life does.
📅 Book Your Protection Strategy Session™
There’s no pressure. No pitches. Just a structured, advisor-led conversation about what you actually need to be protected in today’s world.
Final Thought
“The best time to fix a gap is before you need the coverage.”
Let’s make sure you’re not leaving anything important to chance.