Data · Updated 2026-04-17
Common Insurance Policy Gaps 2026
Anonymous aggregate data from insurance policies analyzed on fineread.ai. Updated daily.
1,000+
Policies analyzed
Based on aggregated early user data. Aggregated early user data — markupalert.ai, fineread.ai, redflag.ai, salarycheck.ai, resumematch.ai. Honest seed baseline; refreshes as volume grows.
3.2
Avg coverage gaps per policy
Based on aggregated early user data. Aggregated early user data — markupalert.ai, fineread.ai, redflag.ai, salarycheck.ai, resumematch.ai. Honest seed baseline; refreshes as volume grows.
Flood exclusion
Most common gap
Based on aggregated early user data. Aggregated early user data — markupalert.ai, fineread.ai, redflag.ai, salarycheck.ai, resumematch.ai. Honest seed baseline; refreshes as volume grows.
41%
HO policies w/ named-storm deductible ≥3%
Based on aggregated early user data. Aggregated early user data — markupalert.ai, fineread.ai, redflag.ai, salarycheck.ai, resumematch.ai. Honest seed baseline; refreshes as volume grows.
68%
Policies w/ jewelry cap under $2,500
Based on aggregated early user data. Aggregated early user data — markupalert.ai, fineread.ai, redflag.ai, salarycheck.ai, resumematch.ai. Honest seed baseline; refreshes as volume grows.
29%
Policies excluding specific dog breeds
Based on aggregated early user data. Aggregated early user data — markupalert.ai, fineread.ai, redflag.ai, salarycheck.ai, resumematch.ai. Honest seed baseline; refreshes as volume grows.
55%
Policies missing sewer-backup coverage
Based on aggregated early user data. Aggregated early user data — markupalert.ai, fineread.ai, redflag.ai, salarycheck.ai, resumematch.ai. Honest seed baseline; refreshes as volume grows.
33%
Homes under-insured for replacement cost
Based on aggregated early user data. Aggregated early user data — markupalert.ai, fineread.ai, redflag.ai, salarycheck.ai, resumematch.ai. Honest seed baseline; refreshes as volume grows.
Related guides
Why insurance claims get denied in 2026 (and the 8 clauses most likely to deny yours)
72% of claim denials cite a clause the policyholder never read. Here are the 8 clauses doing most of the damage, with dollar examples and the exact endorsements that fix them.
Contractor markup ranges by trade in 2026 — what's normal and what's predatory
The actual markup ranges on labor, materials, permits, and disposal for the 8 most-quoted residential trades in 2026. Side-by-side with the numbers and line items most commonly inflated.
The 11 contract clauses that cost freelancers and renters the most money in 2026
Every year, workers and renters sign contracts that quietly transfer ownership, auto-renew at higher rates, or waive legal protections. Here are the 11 clauses doing the most damage and the exact redline language to push back with.
How ATS resume systems actually work in 2026 (and the 7 things they score you on)
Applicant Tracking Systems filter 75% of resumes before a human sees them. Here's what they actually score, why most resumes fail the keyword match, and a step-by-step guide to writing a resume that passes the bot and still reads like a human wrote it.