Where your coverage might overlap
Two products can cover the same event and still differ on limits, deductibles, exclusions, and which one pays first, so overlap is not the same thing as waste. This page does two things: turns your monthly figure into an annual one, and shows the four places consumer agencies flag as commonly appearing in more than one product. What overlaps for you is a question for your own documents.
How it works
- 1Enter what you pay each month across premiums, membership fees, and protection plans
- 2See what that comes to over a year, which is your own number times twelve
- 3Work through the four checks below against your own policies and benefits guides
Runs entirely in your browser. Nothing you enter is sent to us or stored.
Premiums, membership fees, card annual fees, and any protection plans you pay for.
Four places to look first
These are the ones consumer agencies flag as commonly appearing in more than one place. Whether any of them overlap for you is a question for your own documents.
Rental car coverage
Many credit cards include some level of collision and theft protection, and rental reimbursement is a separate optional coverage on an auto policy. Both can be in your file at once.
Source: NAIC, Auto Insurance
Towing and roadside
Towing and labor is an optional coverage on an auto policy. Roadside assistance also turns up as a card benefit and as a standalone membership, and the limits are rarely identical.
Source: NAIC, Auto Insurance
Travel protection
Some cards offer trip cancellation and lost baggage coverage, and most homeowners policies cover personal property lost or stolen while traveling. A separate travel policy usually costs 5% to 10% of the trip price.
Extended warranties
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.
Source: FTC, Warranties
References to these organizations do not imply endorsement of or affiliation with LifQ.
Two products covering the same event can still differ on limits, deductibles, exclusions, and which one pays first. Seeing them side by side is the point; what to keep is your call, and your carrier or a licensed agent is who to take it to.
Put your policies side by sideAnother tool that goes with this one
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