Do I have insurance for the things that could sink me?

Your biggest risks set against the coverage you think you have, turned into questions for an adviser.


When to use
When you’ve paid for insurance for years and couldn’t say what it covers.
Time
10 min
In the pack
The money check-up Step 5 of 6

Read this first

This prepares you to talk to a licensed insurance professional. The assistant has not read your policies and can’t confirm coverage.

The prompt

I pay for insurance without really knowing whether it covers the risks that could do me real financial harm. I live in . Don’t recommend insurers, policies or amounts of coverage. Ask me up to seven questions, one at a time, about who depends on me, what I own and owe, how I earn, and which policies I think I have. Then give me a table: each major risk, what I believe covers it, and whether that’s confirmed, unclear or apparently missing. You haven’t read my policies, so mark nothing confirmed unless I told you it was. Flag anything that depends on local rules you’re unsure of. End with five questions to ask a licensed insurance adviser or broker, and what to look for in my policy documents.

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