About CoveredCheck

A reference site for people who have a policy and a question, and who would rather see the clause than a summary.

Insurance answers online are usually written by parties with an interest in the outcome: carriers, agents, lead-generation sites, and content farms that have never opened a form. The result is a genre of confident, generic advice that fails at the moment it is needed — in a claim, when a specific clause decides a specific loss.

CoveredCheck takes the opposite approach. We read the filed forms, quote the language, and separate what is covered, what is excluded, and what is capped. Where the answer depends on your state or your carrier, we say so instead of picking one and presenting it as universal.

Editorial standard

Pages are compiled by our research desk directly from filed policy forms. Every judgment names the form, the clause and the wording it rests on, so you can check it against your own policy in a minute. Where a state rule or a carrier variation changes the answer, the page says so or marks it as unverified.

We are not a law firm and we are not your agent. Nothing here is a coverage determination for your policy — it is a reading of the form, with the text in front of you.

Contact

Corrections and questions: see the contact details in the footer. If you believe a clause has been misquoted, include the form number and we will check it.