Week 21 worksheet

Insuring What You Own and What You Earn — worksheet

Before you start: where your answers live

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Fill in what you can; the blanks show you what to look up.

Match Coverage to Risk

A loss I genuinely could not absorb on my own

Do I have coverage for it? At what limit?

My auto liability limits (e.g., 25/50/15)

— and do I carry uninsured-motorist coverage?

Do I have renters/home coverage? Does it pay at ACV or replacement cost?

My flood risk (from floodsmart.gov), and do I have flood coverage?

Disability coverage through work — definition (own-/any-occupation), and premium paid pre-tax or after-tax?

One thing I’m insuring that I could probably absorb myself (a match-to-risk candidate to reconsider)

One question to ask my state insurance department or a licensed professional

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