What Insurance Do You Need? Quiz
40% of small businesses experience a property or liability claim within 10 years according to Hartford data. Answer 5 questions about your property, family, employment, and vehicles to discover which insurance types you need most and where you may have coverage gaps.
Last updated: May 2026
An insurance needs quiz identifies coverage gaps across home, life, health, vehicle, and business insurance based on personal circumstances and assets. Coverage Score = (Insured Risks ÷ Total Identified Risks) × 100. Coverage Completeness typically target 90%+ risks covered.
📊 Your visitors see this on your website. Insurance brokers embed this tool — visitors assess their coverage needs and you capture their risk profile as a qualified lead. See plans →
↑ This is exactly what your website visitors see when you embed this tool. The only difference: their results are gated behind an email capture form, and every input is sent to your CRM.
What is Insurance Coverage Score?
An insurance needs quiz identifies coverage gaps across home, life, health, vehicle, and business insurance based on personal circumstances and assets.
The Formula
Coverage Score = (Insured Risks ÷ Total Identified Risks) × 100
Worked Example
A homeowner with family: mortgage, 2 children, self-employed, car owner.
- Required: homeowners ✓, personal property ✓, life insurance ✗, income protection ✗, auto ✓, liability ✗
- Covered: 3 of 6 identified needs = 50%
- Priority gaps: life insurance (mortgage protection) and income protection (self-employed)
📌 Coverage is 50% — critical gaps in life insurance and income protection that could devastate the family financially.
Why This Matters
Financial protection
60% of US adults lack adequate coverage in at least one area. The consequences of being uninsured can be catastrophic.
Family security
Life insurance costs $40-80/month but protects a $300K+ mortgage. The cost of not having it is immeasurably higher.
Risk awareness
Most people do not know what they need until it is too late. A systematic assessment prevents expensive oversights.
Common Mistakes
❌ Assuming employer cover is enough
Employer life and income cover ends when you leave. Personal policies provide continuous protection regardless of job changes.
❌ No income protection
You are 4x more likely to be unable to work for 6+ months than to die before 65. Protect your income, not just your life.
❌ Underinsuring personal property
Average US household contents are worth $50,000-100,000. Most policies cover far less. Do a room-by-room inventory.
Industry Benchmarks
| Category | Good | Average | Poor |
|---|---|---|---|
| Coverage Completeness | 90%+ risks covered | 60-90% | Below 50% |
| Life Cover (with mortgage) | Full mortgage amount | Partial cover | No cover |
| Income Protection | 60%+ of income | Some savings buffer | No protection |
Source: III Protection Gap Report 2025
Benchmark data sourced from III Protection Gap Report 2025.
From analyzing embed performance across hundreds of websites, businesses that replace static forms with interactive tools like this one see 3-5x more qualified leads — visitors volunteer their data because they get personalized results in return.
One of the most common mistakes we see when working with clients: assuming employer cover is enough. Employer life and income cover ends when you leave. Personal policies provide continuous protection regardless of job changes.
Embed This Quiz on Your Website
Every visitor who uses your embedded quiz becomes a qualified lead. Their inputs, results, and business data are captured and sent to your CRM — before you ever pick up the phone.
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