Instantly see if you're underinsured, overpaying, or missing critical coverage — and get personalized recommendations.
Three answers in two minutes. No documents. No account. No email.
See exactly what your policy excludes. Sewer backup, liability, rebuild value, temporary housing — we flag what's missing before a claim proves it.
Scan my gapsCompare your premium against real Canadian data for your city and profile. Know instantly if you're above market — and by how much.
Benchmark meSpecific, actionable next steps for your exact situation. No generic advice. No sales pitch. Just clear direction.
Get my planYou renew every year. You pay every month. But nobody tells you what's actually not covered.
Then the basement floods. The tree falls. The pipe bursts. And you find out — too late — that the line item you assumed was there, isn't.
One place to check your entire policy — from sewer backup to rebuild value — against the risks that actually happen in your area.
We benchmark your premium against local averages for your exact city and profile — so you know instantly whether you're paying a fair price.
No generic advice. No sales pitch. Just three things to do — with estimated savings, cost to fix, and why each one matters for your situation.
No broker jargon. No 40-page PDFs. No sales calls. Just 12 simple questions and a clear answer — in under 2 minutes.
Most Canadians assume they're covered. Here's what they usually aren't — and what it means when something goes wrong.
The #1 home insurance claim in Canada. Excluded in 72% of standard policies. A rider typically costs $80–150/year.
Your policy likely sits at $1M. Most Canadian advisors recommend $2M — especially if you own a dog, a pool, or rent part of your home.
If your home becomes uninhabitable, ALE pays for hotel, meals, and storage. Most policies cap this at 10–20% — rarely enough for a 6-month rebuild.
Construction costs rose 30–50% since 2020. If your insured amount hasn't been updated, you're self-insuring the difference — without knowing it.
Built on Insurance Bureau of Canada claims data and real user benchmarks.
No broker jargon. No 40-page PDFs. No sales calls. Just a clear score, real numbers, and an honest answer to the only question that matters.
"I renewed on autopilot for 6 years. Turns out I had zero sewer backup coverage in a basement-unit duplex. Got flagged in under 2 minutes."
"The premium benchmark was an eye-opener. I was paying 22% above market for my neighbourhood. Saved $640 on my next renewal."
"My broker never mentioned my rebuild value was stuck at 2019 numbers. CoverCheck caught it. I was under-insured by $180k."
"No account, no email, no sales calls. I was skeptical until I got a real report with actual numbers. Exactly what it says on the tin."
How CoverCheck stacks up against your other options.
Free guides on home insurance in Canada — coverage gaps, premiums, and local market realities.
Most Canadians overpay by $300–$600/year. Warning signs and the 3 most effective ways to cut your premium.
Sewer backup, gradual water damage, under-insurance — exclusions your insurer won't proactively mention.
Average premiums, sewer backup risk, and what duplex and condo owners in Montréal need to watch for.
Free · No paperwork · No sales calls · Results instantly on screen