Free tool · Homeowners & drivers
Am I actually covered?
Import your current policy and get an instant, plain-English report on where you're exposed — missing flood, no umbrella, limits that are too low for Florida. Then fix it in one place.
Import your current policy
Securely connect your current carrier and we'll scan your declarations for gaps in about a minute. No paperwork to dig up.
Rather not connect? Tell us what you have and we'll review it →
FAQ
Coverage checkup questions
How does the coverage checkup work?
You securely connect your current insurance carrier, we read your declarations, and we flag gaps — like missing flood or umbrella coverage — and limits that look low for Florida. It takes about a minute and there's no obligation.
What are the most common Florida coverage gaps?
Missing flood coverage is the biggest one, since it's never part of a home policy. Others include no umbrella/excess liability, uninsured-motorist limits at state minimums, and dwelling limits that haven't kept up with rising rebuild costs.
Is my policy information secure?
Yes. The import uses a secure, read-only connection to your carrier. We use it to review coverage — nothing changes on your policy unless you decide to make a change with us.
Do I have to switch to Arace?
No. The checkup is free and there's no obligation. If we find gaps, we'll tell you how to fix them — with us or with your current carrier.
Peace of mind takes about a minute.
See your gaps, then let a licensed Florida agent close them — often for a similar or lower total premium.