Use The Credle Group protection hub to compare coverage gaps, life insurance needs, home and auto strategy, landlord exposure, business risk, and the right next step through Ethos Life or MIM Insurance Solutions.
Answer the quick audit. The score is a planning guide, not an insurance quote. Use it to decide whether to review life, home, auto, umbrella, landlord, or business coverage next.
Do you have an active homeowners or renters policy?
Is your dwelling insured at replacement cost instead of market value or ACV?
Do you have water backup or sewer coverage added?
Is your liability limit at least $300,000?
Do you carry uninsured/underinsured motorist coverage?
Is bodily injury liability at least $100K/$300K?
Do you have gap coverage if your car is financed or leased?
Do you have personal life insurance outside of work benefits?
Is your coverage enough to protect income, mortgage, debts, and dependents?
Have beneficiaries been reviewed within the last 2 years?
Do you have a personal umbrella policy?
Do you have higher-risk exposure such as rental property, teen drivers, pool, business, or high assets?
Do you own a business, rental property, or do side/gig work?
If yes, do you have the proper commercial or landlord policy?
Life protection through Ethos. Property, casualty, business, landlord, auto, and umbrella conversations through MIM Insurance Solutions or the appropriate carrier route.
Affordable coverage for income, mortgage, debt, family protection, and major life obligations.
Longer-term protection strategy for legacy, estate planning, and permanent death benefit needs.
Protect the structure, personal property, liability, and replacement-cost exposure around your home.
Review liability limits, uninsured motorist, deductibles, gap coverage, and bundling opportunities.
Make sure rentals, Airbnb, furnished stays, and tenant-occupied properties are not sitting on the wrong policy.
General liability, BOP, professional liability, workers comp, and coverage for real operators.
These calculators are planning tools only. They help frame the conversation before a licensed insurance professional confirms real quotes and carrier underwriting.
Estimate a practical coverage range based on income replacement, debts, mortgage, education, and current savings.
Rounded planning number
Compare whether a higher deductible may make sense based on your emergency reserve and estimated premium savings.
Estimate a basic dwelling + personal property planning target before a real replacement-cost estimate.
Before carrier replacement-cost estimate
Quickly screen whether a business, rental, Airbnb, or side hustle may need a real commercial/landlord review.
Based on exposure score
Life insurance can protect a family from mortgage pressure, lost income, final expenses, childcare, education costs, business debt, and unfinished plans. Ethos gives clients a modern online quote path.
Use the Ethos application route for a streamlined life quote experience.
Help protect the home if the income earner is no longer there.
Coverage should match dependents, debt, income, and future obligations.
Use the calculator, then confirm real options through the proper insurance route.
A primary residence, rental property, Airbnb, business vehicle, and owner-occupied home are not the same risk. MIM Insurance Solutions can help route home, auto, landlord, umbrella, and business coverage reviews.
Replacement-cost review, water backup, personal property, liability, and deductible strategy.
Liability limits, uninsured motorist, gap coverage, and household policy strategy.
Review whether the policy matches tenant, short-term rental, or furnished rental use.
This page educates clients, creates urgency, and moves them into the right quote or review path without making insurance feel complicated.
Buyers need homeowners insurance before closing. Homeowners need life insurance to protect the mortgage. Investors need landlord coverage. Business owners need liability protection.
Use this to introduce a client to the protection conversation.
Use this with buyers before or after contract.
Insurance is not just about finding the cheapest number. The goal is to avoid hidden gaps.
Run the audit, estimate the need, then choose the right route: Ethos for life, MIM for property and casualty, or a full coverage review through The Credle Group.