Auto
When to Drop Collision Coverage, and How to Choose a Deductible
When to drop collision coverage: compare your car's value with the premium and deductible, understand comprehensive, and pick a deductible you can pay.
Free coverage checker
How much coverage do you actually need?
Coverlee helps you put a fair number on life insurance, home or renters coverage, and auto liability. Plain answers, the math on show, and no one calling you afterwards.
- No sign-up, no email, no phone number
- Runs in your browser; nothing is sent or saved
- Every formula and assumption shown
What do you want to check?
- Life insuranceHow much would your family need?
- Home & rentersYour stuff, your liability, your rebuild cost
- Auto liabilityYour state minimum vs what you own
Takes about three minutes. Your numbers never leave this page.
How the checker works
Each tool follows the same three steps, so you always know where a number came from.
Enter round numbers
Income, debts, what you own. Estimates are fine; every field explains what to include.
See the working
You get a result, the formula behind it and a line-by-line breakdown, not a black box.
Take it to your agent
Use the estimate to ask for the right limits at your next quote or renewal. Print it or save it as a PDF.
The numbers people most often get wrong
These are the gaps our guides explain in detail.
Rebuild cost ≠ market price
Dwelling coverage should match what it costs to rebuild, not what the house would sell for.
Depreciation adds up
An actual-cash-value policy can pay far less than it costs to replace older things.
Minimum ≠ enough
State minimum auto limits meet the law but can leave you paying the rest of a serious claim.
Work cover often ends
Life insurance through your job usually stops if you leave, and it is often modest.
Newest guides
All guides → 
Auto
Uninsured Motorist Coverage: Do You Need It, and How Much?
Uninsured and underinsured motorist coverage pays you when the other driver has no insurance or too little. What it covers and how much to buy.
Auto
Is State Minimum Car Insurance Enough? Liability Limits Explained
Is state minimum car insurance enough? What limits like 25/50/25 mean, the minimum in every state, and how to choose liability that protects you.
Guides by topic
Life insurance
View all →How much cover your family would need, which type fits, and what work cover leaves out.
Is Life Insurance Through Work Enough? What Group Cover Leaves Out
Group life insurance through work is a useful start, but it is often modest and can end when you leave. How to check if yours is enough.
Life Insurance for a Stay-at-Home Parent: How Much Is Enough?
A stay-at-home parent earns no paycheck, but replacing their care costs real money. Here is how to put a number on it and size the cover.
Term vs Whole Life Insurance: Which One Fits Your Need?
Term vs whole life insurance explained: what each costs, how cash value works, and why the size and length of your need usually decides it.
How Much Life Insurance Do I Need? The DIME Method Explained
Use the DIME method to estimate life insurance: add debts, income, mortgage and education, then subtract the cover and savings you already have.
Home & renters
View all →Personal property, rebuild cost, liability, and the gaps a standard policy leaves, like flood.
How Much Liability Coverage Do I Need? Home, Auto and Umbrella
How much personal liability coverage you need on home, renters and auto policies, and when an umbrella policy makes sense. Simple tiers and examples.
Do I Need Flood Insurance? What Home and Renters Policies Leave Out
Do you need flood insurance? Standard home and renters policies usually exclude floods. NFIP limits, the 30-day wait, and how to decide.
How Much Dwelling Coverage Do I Need? Rebuild Cost, Not Market Value
Dwelling coverage should match what it costs to rebuild your home, not its sale price. How to estimate rebuild cost and avoid underinsurance.
Replacement Cost vs Actual Cash Value: What a Claim Really Pays
Replacement cost vs actual cash value: how depreciation changes what a home or renters claim pays, with worked examples and questions to ask.
Auto
View all →Liability limits, state minimums, uninsured drivers, and when collision is worth it.
When to Drop Collision Coverage, and How to Choose a Deductible
When to drop collision coverage: compare your car's value with the premium and deductible, understand comprehensive, and pick a deductible you can pay.
Uninsured Motorist Coverage: Do You Need It, and How Much?
Uninsured and underinsured motorist coverage pays you when the other driver has no insurance or too little. What it covers and how much to buy.
Is State Minimum Car Insurance Enough? Liability Limits Explained
Is state minimum car insurance enough? What limits like 25/50/25 mean, the minimum in every state, and how to choose liability that protects you.
A calculator that keeps your numbers to itself
Most insurance calculators ask for an email or phone number before they show a result, because the result is a sales lead. Coverlee works the other way: every calculation happens on your device, nothing is stored, and we do not sell insurance.
Questions people ask
How much insurance coverage do I need?
It depends on what you need to protect. Life insurance should cover what your family would lose without your income; home and renters coverage should replace your things and protect your savings from a lawsuit; auto liability should cover a serious crash without reaching your assets. The checker estimates each one with your own numbers.
Is Coverlee an insurance company?
No. Coverlee is an independent educational site. We do not sell insurance, collect quotes or pass your details to agents. Our tools give estimates to help you ask better questions.
Is the checker free?
Yes, completely. There is no account, no email and no fee, and the tools work without sending any data to a server.
Which coverage should I check first?
If anyone depends on your income or care, start with life insurance. If you rent or just bought a home, start with home and renters. If your auto policy renews soon, check your liability limits.
How do you know the state minimum car insurance limits are current?
We check each state's official source, show the date we checked it, and link to it. When a state changes its limits, we update the table and note the change.
Can I trust the guides?
Each guide cites official sources such as state insurance departments, the NAIC, FEMA, the IRS and the Social Security Administration, with the date we checked them. Guides show when they were last updated and reviewed, and corrections are noted openly.
Is the site available in Spanish and Chinese?
Yes. The checker and core pages are available in Spanish and Simplified Chinese, along with guides written for those readers.
Does Coverlee use cookies or ads?
There are no ads and no tracking cookies. With your permission only, we may use cookieless, privacy-friendly analytics to see which pages are useful.