Data · Updated 2026-07-16
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.
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