Know your risk.
Close the gap.
Your home, your family, your data, what you buy — each carries risk you can't see. CoverScore turns it into one honest number, shows you exactly where you're exposed, and points you to the fix. Free to start; sharper the more you tell it.
A relative ranking of preparedness among households like yours — not a probability.
About 1 in 425 insured homes has a fire or lightning claim each year — average severity $83,991.
prop.fire.claim_freq
Homes that installed an automatic water shutoff had 96% fewer paid water-damage claims the following year; comparable homes without one had 10% more.
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One inch of floodwater causes roughly $25,000 in damage; the average NFIP claim payment exceeds $66,000.
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Your address goes to public government geocoding services only; we don't receive or store it.
Risk is everywhere. Nobody gives you the whole picture.
It's scattered
Your home hazards live with one company, your breach exposure with another, your coverage with a third. No one connects them.
It's sold, not explained
Most “risk checks” are lead forms in disguise. You get a scare and a sales call — not a number you can actually reason about.
It hides its confidence
A single number with no error bar is a guess in a suit. Real risk should tell you how sure it is — and get surer as you share more.
CoverScore is one methodology for all of it — a single 0–100 score, an honest confidence band, and a clear path from “here's your risk” to “here's the fix.”
Free Report → Deep Report → Action
The same three steps behind every CoverScore, whatever you're scoring. You never pay to see where you stand — only to close the gap.
Free Report
Something small and specific — a ZIP, an email, a product — gets you a first score with a wide, honest band. No account, no card.
Deep Report
Add data — an inspection, documents, a quick questionnaire — and the band tightens. Now the score names your actual gap, not a category average.
Action
The gap resolves into a concrete next step — a vetted pro, a policy, a service, an advisor. You choose if and when. That's the only place we make money.
Every score ships with a confidence band. More data → tighter band → a fix you can trust.
Five editions of one score
Same methodology, five domains of everyday risk. Start with the one on your mind — they share one profile underneath.
Home & neighborhood hazards — fire, flood, wind, water. Twelve published stats live today; the composite score ships with the app.
Your exposure across breaches, brokers, and fraud — including the fraud-loss ladder no one else publishes by age band.
Known · Screened · Protected — published screening guidelines and coverage gaps, never a judgment about your body.
A Protection Gap Score for what your family would need vs. what you have. Real published anchors are live; the composite is not.
The safety of what you buy — ingredients, materials, recall history. A directory today; we don't invent a rubric to score it early.
We're a navigation layer over risk — not an insurer, not a clinic, not a credit bureau.
CoverScore reads the risk you already carry and points you to the fix. That job only works if you can trust the number, so every edition is held to the same three rules — no exceptions, whatever we're scoring.
Honest before helpful
Every score shows its confidence band. We'd rather tell you the number is fuzzy than pretend it's precise — the band tightens as you share more, and never hides.
Nothing homemade
Every input traces to a published, validated instrument or public actuarial source. The weighting is editorial; the math underneath is not ours to invent.
Your data stays yours
You own your profile, export it whenever, and delete it in one tap. Sensitive editions never share data with affiliate partners — clicks carry no personal parameters.
Useful on their own. No score required.
Each one solves a whole problem by itself. If it happens to sharpen your score, that is a side effect, not the price of entry.
Contents Index
One narrated walk through your house. We index every valuable — make, model, room, value — and tell you how far short your personal property cover falls. It doubles as the disaster documentation you keep meaning to make.
Start walking →Area risk lookup
Wildfire, flood and wind exposure for any address, straight from public hazard layers. No account, no email.
Score an address →Data gaps
What we don't know yet, published rather than papered over — the credibility proof behind every number we do show.
See what's open →We are not an insurance company. We never share your data with anyone who could use it against you.
Insurers have employed actuaries for a century. They model your house, your health and your mortality in detail, and hand you back a single premium with no working shown. We point the same analysis in the opposite direction — for the person the risk actually belongs to.
Read the full commitment →Where the three steps end up
The dashboard is not a separate product — it is what Free Report, Deep Report and Action add up to. Anyone can see the shape of it before signing up; the numbers become yours once you have a profile.
This is a real layout with someone else's numbers.
We show the whole thing before you commit — the five editions, the confidence bands, the ranked actions. Nothing is hidden behind the signup except your own data, because there is nothing to hide.
Biggest single drag on the overall score. Free removal requests first, every time.
The health input to a Life score, once that edition is live.
Free, self-done, and it moves the Property score.
Next actions ranked across every edition. Free, self-done fixes are always ranked alongside the paid ones.
A relative ranking of preparedness among households like yours — not a probability.
12% of Americans 16+ received at least one data-breach notification in a single year — the only true per-person government probability.
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Completing one screening colonoscopy cut the 10-year risk of dying from colorectal cancer in half — 0.15% vs 0.30% — but 58% of trial invitees never showed up.
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51% of adults own life insurance; 40% (~100 million adults) say they need it or more of it; 47% would face hardship within 6 months of a primary earner's death.
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Sample profile · your own number replaces this on sign-in
How people find CoverScore
We don't win by shouting “trust us.” We win by solving one specific, urgent problem a person already has, and carrying them into the same score. The free tools live on CoverScore; these properties are the front doors.
“Is my ZIP a fire/flood risk?” Free area score → inspection-sharpened home score → services that harden the house.
“Is this safe for my baby?” An engaged publisher audience already searching product safety, item by item.
The data model, risk reports, and pro network the Property front doors run on. Powered-by, not front-of-house.
The Action step for privacy. Free breach scan on CoverScore → claim-eligible users convert to litigation intake.
Search content on HVAC and energy bills that graduates readers into a home CoverScore.
CoverScore for Business
CoverScore is one methodology, and it plugs in wherever risk meets a decision — publishers, service pros, advisors, carriers, and legal intake all touch the same funnel at different points.
One constraint runs through all of them: the consumer sees the same honest number the partner does. Nothing is scored differently because a partner is paying, and position in a recommendation can never be bought.
See where you stand — free.
One number, an honest confidence band, and a clear next step. Pick the risk that's on your mind and get your CoverScore in under three minutes.