Coverage Gap Calculator
Highlights shortfall when coverage limit is below what you are protecting.
Coverage gap
Gap = asset or exposure value minus policy limit (not below zero).
How this is calculated
Gap = max(0, asset value − coverage limit).
Use this tool for
- Home replacement vs dwelling limit.
- Umbrella planning.
Common questions
Replacement cost vs market value?
Use the same basis your policy should match—often replacement cost for structures.
Zero gap good?
It means limit ≥ stated asset value in this simple model.
