You may be paying for the same coverage twice without knowing it
LifQ reads all your insurance policies together and shows you the overlapping coverage, the unused benefits, and what each one costs you.
Policies bought at different times, from different places, and never read next to each other
Policies come from several providers, bought at different times and managed separately. Each one made sense on its own. They are rarely, if ever, read next to each other.
Rental car coverage, in more than one place
The NAIC notes that many credit cards include some level of collision and theft protection, and that rental reimbursement is a separate optional coverage on an auto policy. Both can sit in your file at once, and few households have read them next to each other.
Source: NAIC, Auto Insurance
Travel protection you may already hold
Some credit cards offer trip cancellation and lost baggage coverage, and most homeowners policies cover personal property lost or stolen while traveling, per the NAIC. A separate travel policy usually costs 5% to 10% of the trip price, so the order matters: see what you hold, then decide.
Source: NAIC, Should I Get Travel Insurance? · NAIC, Travel Insurance
A service contract that may repeat the warranty
The FTC puts it plainly: an extended warranty or service contract may cover the same repairs, for the same period, as the warranty that came with the product. It costs extra and is sold separately, so the comparison that matters is against the included warranty.
Source: FTC, Warranties · FTC, Extended Warranties and Service Contracts
Towing, reachable three ways
Towing and labor is an optional coverage on an auto policy, per the NAIC. Roadside assistance also turns up as a credit card benefit and as a standalone membership. The limits and the towing distance are rarely identical, which is the part that only shows when the three sit side by side.
Source: NAIC, Auto Insurance
Bundling, priced in two directions
What your carriers publish about bundling sits on two different sites, in two different formats. Put both in one view and the comparison is yours to make.
Coverage areas your documents don't mention
Two of your policies can name the same thing while nothing in your file mentions another, umbrella liability or flood, for example. Both sit in the same view, so you can see them together.
References to these organizations do not imply endorsement of or affiliation with LifQ.
How LifQ lines your policies up so you can see the whole picture
Upload all your insurance policies
Auto, home, health, dental, vision, travel, pet, umbrella. Everything in one place, so nothing has to be remembered.
AI maps your coverage portfolio
LifQ reads and structures each policy, then lines them up against each other so overlaps, renewal dates, and what each one costs are visible together.
Get your policies restated side by side
See where you're doubling up, what each of those policies actually covers, and which bundling questions are worth putting to your carriers.
What you get with LifQ
See where you're covered twice, side by side
LifQ puts the coverage that appears in more than one place into a single view, with what each one says about it.
Potential and confirmed, kept apart
Estimates come from what your provider publishes, matched against your policies. What you actually get, you mark confirmed, and the two totals stay separate.
See what you'd be giving up
Every overlap comes with the full picture of what each policy covers, so you can see exactly what you'd be giving up before you decide.
Portfolio Score
A single score for how complete and current your protection picture is.
See it in action
A household is paying $18/month for roadside assistance through their auto insurer, $15/month through a credit card benefit, and $100/year for a roadside membership, all covering the same scenario.
LifQ shows all three roadside benefits side by side: what each covers, the towing distance, the limits, and what each costs. They are not identical, and which one you would actually call is a decision you can only make once all three are in view.
Illustrative example. Your findings depend on your documents.
The point isn't to assume one of them is unnecessary. It's to know what you already have before you decide what comes next.
Frequently asked questions
How does LifQ know what my credit cards cover?
You search for your card by name. LifQ reads what the issuer publishes about it and lays those benefits out alongside your other coverage, and you confirm what applies to you. No hunting for the PDF that came with the card.
Will LifQ tell me to cancel a policy?
No. LifQ shows you where coverage overlaps and what each policy costs, and it never cancels anything. What to keep and what to drop is your call, and a licensed agent or your carrier is who to take it to. LifQ's job is making sure you can see the whole picture before you get there.
What is a Portfolio Score?
Your Portfolio Score summarizes how complete and current your household's protection picture is: how much is documented, where policies overlap, where nothing covers you, and what's coming due. It measures the picture, not whether your coverage is right for you.
Can LifQ help me shop for better rates?
No. LifQ is not a broker, and it does not quote, compare, or sell policies. It works on the ones you already have. When you shop, your existing coverage summary is the reference sheet you take to a licensed agent.
Find out what you're paying for twice
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