The price is on the front page. Everything that matters isn't.
Upload your auto or home declarations page and Coverage Compare reads it against the alternatives — limits, deductible structure, roof settlement, the gaps — and hands you back a plain-English breakdown. It's free, you don't have to be a client, and you never have to switch anything. Sometimes the honest answer is that what you have is fine, and that's worth knowing too.
The short answer
Coverage Compare is Cribb Insurance Group's free policy review tool. Upload a personal auto or home declarations page — plus any competing quotes you've collected — and it reads what you actually have against what's available, in plain English. It covers auto and home only; business insurance goes to Cribby or to a producer. It's free, it doesn't require switching, and nobody calls you because you used it.
Four steps, and none of them is a phone call.
The declarations page is the document that matters, and it's the one most people have never read past the premium at the bottom. If you can't find yours, your carrier or your current agent can send you one — you're entitled to it, and asking for it doesn't signal anything.
Two things on your policy changed, and nobody sent a letter about it in plain English.
Both are on your paperwork right now. Most people have no idea which way theirs reads.
Your roof may settle at actual cash value from age seven.
Arkansas Insurance Department Bulletin 17-2023 broadened when an actual cash value settlement endorsement may be applied to a replacement cost policy for wind and hail damaged roofs.
Before: an optional endorsement was allowed for roofs over ten years old, and a mandatory one for roofs over fifteen.
Now: a mandatory endorsement is permitted, with approved notice, at roof age seven. An insurer choosing to add it has to submit the notice for approval.
The practical difference is the gap between what a new roof costs and what a depreciated one is worth, and on a roof past seven that gap is not small. Whether your policy carries the endorsement is printed on your paperwork. The review finds it and tells you which way yours reads.
And your wind and hail deductible may not be the deductible you think you have.
The same bulletin lifted the prohibition on charging a separate deductible for wind and hail damage. Many Arkansas policies now carry one.
The part that catches people out is how it's expressed. A separate wind and hail deductible is often written as a percentage of your dwelling limit rather than as a flat amount — so the number you have in your head from your all-perils deductible can be a long way from what you'd actually pay after a storm. In a part of the state where hail is the most frequent cause of a major claim, that is not an academic distinction.
The review reads which structure you have and converts it into what it would actually mean for you. We're not going to publish an example here, because the only figure worth anything is the one from your own declarations page.
Where two policies actually differ.
None of these show up on the price, which is why comparing on price alone tells you almost nothing.
Limits that stopped keeping up
Liability limits set years ago against assets that have grown since. The number that mattered when you bought the policy is rarely the number that matters now.
The structure, not just the number
All-perils versus separate wind and hail, flat versus percentage. Two policies quoting the same deductible can behave completely differently after a storm.
Replacement cost or depreciated
Whether the roof and the contents settle at replacement cost or at actual cash value, and what any roof schedule or age-based endorsement does to that.
Insured value against rebuild cost
What the policy would pay to rebuild against what rebuilding now costs. Construction pricing moved a long way and plenty of dwelling limits did not move with it.
What's quietly missing
Uninsured and underinsured motorist coverage, medical payments, rental and towing, and whether parts replacement is written the way you assumed it was.
The pages nobody reads
Water backup, service line, special limits on jewelry and firearms, and the endorsements that quietly narrow the form. This is where most of the real differences live.
Personal auto and home. That limit is on purpose.
A tool that gives a confident answer to the wrong question is worse than one that says no.
Coverage Compare reads
- ✓Personal auto policies and quotes.
- ✓Homeowners policies and quotes.
- ✓Your current policy against competing quotes, side by side.
- ✓A policy you have no intention of changing and just want explained.
Coverage Compare does not read
- ×Any commercial policy. General liability, workers comp, commercial auto, a business owners policy — none of it.
- ×Certificates of insurance or a customer's contract requirements.
- ×Claims. If something has happened, notify your carrier — not a tool.
If you run a business, here's where to go instead.
Commercial policies aren't standardized the way personal lines are. A general liability form, a comp policy or a commercial auto schedule needs somebody reading the actual wording, and an automated personal-lines comparison would answer confidently and answer wrong.
Two routes. Ask Cribby, our AI assistant, which does cover both personal and business questions, if what you want is to understand something. Or start a commercial quote if what you want is a licensed producer to read your form directly and tell you what's in it.
What's the catch?
Reasonable question, and the honest version of the answer is more useful than a reassuring one.
The review itself is automated, and nobody calls you because you used it. Uploading a policy isn't an application for anything and it doesn't commit you to a quote. If you want a licensed producer to sit down and walk through the report with you, you can ask and we will — but that's something you opt into, not something that happens to you.
We built it that way for a plain reason: a tool people are afraid to use because of what follows isn't a useful tool. Plenty of people want to understand their own policy without starting a sales conversation about it, and that's a completely legitimate thing to want.
As for what's in it for us — we're an independent agency appointed with more than forty carriers. Some of the people who use this find out their current coverage is competitive and correctly structured, and leave it exactly where it is. That's a real outcome and we'd rather you got it from us than didn't get it at all. Some find something worth fixing, and a fair number of those fixes happen on the policy they already own rather than by switching anything.
Two quotes, same premium, different policies.
| What you compare | On the quote sheet | What the review reads |
|---|---|---|
| Premium | Right on the front | Noted, and then set against everything below it |
| Deductible | A number, usually | Whether it's all-perils or split, flat or a percentage of dwelling |
| Roof settlement | Rarely stated plainly | Replacement cost or actual cash value, and any age-based endorsement |
| Dwelling limit | A number | Whether that number still resembles what rebuilding would cost |
| Uninsured motorist | Easy to miss | Whether it's there at all, and at what limit against your liability |
| Endorsements | Form numbers, if that | What each one adds or quietly takes away from the base form |
| Special limits | Almost never shown | Jewelry, firearms, tools and collectibles, and whether yours exceed them |
A general illustration of what a policy comparison examines. It is not a statement of what any particular policy contains or covers.
What should the review pay attention to?
Select what applies to you. This flags the topics worth looking at first — it does not quote a price, recommend a limit, determine coverage, or tell you to switch anything. Educational only.
What's true about your situation?
Coverage Compare questions.
What is Coverage Compare?
Coverage Compare is a free tool from Cribb Insurance Group that reads your personal auto or home insurance policy and lays it out against other available options in plain English. You upload a declarations page, and if you already have competing quotes you can upload those too. What comes back is a written breakdown of what you actually have, where it falls short of what is available, and what the differences would mean if you ever had a claim.
It exists because policies are genuinely hard to read and most people have never had anyone walk through one with them. Coverage limits, deductible structures, settlement provisions and endorsements are where the real differences between two policies live, and none of them appear on the price. The tool is free, you do not need to be a client of this agency, and you are under no obligation to switch anything.
Is it really free, and will somebody call me?
It is free, with no cost and nothing to sign up for, and you do not have to be a Cribb Insurance client or become one. Uploading a policy is not an application for anything and it does not commit you to a quote.
On the second question, we would rather be specific than reassuring. The review itself is automated, and nobody calls you simply because you used the tool. If you want a licensed producer to sit down and walk through the report with you, you can ask for that and we will, but it is something you opt into rather than something that happens to you. The reason to build it that way is straightforward. A tool people are afraid to use because of what follows is not a useful tool, and plenty of people want to understand their own policy without starting a sales conversation about it.
What do I need to upload?
The declarations page is the one document that matters. It is usually the first page or two of your policy packet, it lists your coverages and limits and deductibles down one side, and it is the page most people have never read past the premium at the bottom. If you have the full policy including the endorsements, that is better still, because endorsements are where a lot of the meaningful differences hide.
If you are shopping and already have competing quotes in hand, upload those alongside your current policy. That is the comparison worth having, because putting a quote next to your existing coverage is a different exercise from putting two prices next to each other. If you cannot find your declarations page, your carrier or your current agent can send you one, and you are entitled to it.
Does Coverage Compare work for business insurance?
No. Coverage Compare reads personal auto and home policies only, and that limit is deliberate rather than a gap waiting to be filled. Commercial policies are not standardized the way personal lines are, and a general liability form, a workers compensation policy or a commercial auto schedule needs a person reading the actual wording rather than an automated comparison.
For business insurance you have two routes. Ask Cribby, which is our AI assistant and does cover both personal and commercial questions, if what you want is to understand something. Or start a commercial quote if what you want is a licensed producer to read your form directly and tell you what is in it. Sending a commercial policy through a tool built for personal lines would produce a confident answer to the wrong question, which is worse than no answer.
Do I have to switch carriers?
No, and a meaningful number of people who use it do not. Sometimes the honest result of a review is that what you have is competitive and correctly structured and the right move is to leave it alone, and that is a genuinely useful thing to find out.
Other times the review turns up something worth changing that has nothing to do with switching carriers at all, such as a limit that has not kept pace with what your house would cost to rebuild, or a deductible structure you did not know you had. Both of those are usually fixable on the policy you already own. We built this because people ask whether they have the right coverage and have no way to find out, not because we needed a lead form with a different name on it.
What does it look for on an Arkansas policy?
Two things matter more here than they do in most states, and both changed recently. The first is how your roof is settled after wind or hail. Arkansas Insurance Department Bulletin 17-2023 broadened when an actual cash value settlement endorsement may be applied to a replacement cost policy for wind and hail damaged roofs. Previously an optional endorsement was allowed for roofs over ten years old and a mandatory one for roofs over fifteen. Now a mandatory endorsement is permitted, with approved notice, at roof age seven. Whether your policy carries one is on your paperwork and most people do not know which way theirs reads.
The second is your wind and hail deductible. The same bulletin lifted the prohibition on charging a separate deductible for wind and hail damage, so many Arkansas policies now carry one, and where it is written as a percentage of your dwelling limit rather than as a flat amount it can be substantially larger than the deductible you think you have. The review reads both and tells you plainly which applies to you.
What sits around it.
If our guides and tools are useful, mark Cribb Insurance as a preferred source so more Arkansas families can find plain-English answers about their own coverage.
Find out what you actually have.
Upload the declarations page for your auto or home policy — and any quotes you're weighing — and get a written, plain-English read on your limits, your deductible structure, how your roof would settle, and what's missing. Free, no signup, no obligation to change anything, and nobody calls you because you did it.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas, Oklahoma, Missouri and Texas. This page describes a general-information tool offered by the agency. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility or price. It is not legal advice, claims advice or a legal opinion. Agency licensure is not the same as carrier appointment; product and market availability differ by product, by state and over time.
About Coverage Compare. Coverage Compare is an automated tool. Any output it produces is general information and is not a coverage determination, an underwriting decision, a claims decision, a rate or premium quotation, an offer of insurance, or advice to purchase, cancel, replace or modify any policy. It reviews personal automobile and homeowners policies only and does not review commercial insurance of any kind. Coverage, exclusions, conditions and policy provisions vary by carrier, by policy form and by state and are subject to change; the policy actually issued to you controls what is covered in every case. Automated review can be incomplete or mistaken, and a review is limited to the documents supplied; a declarations page does not contain the full policy wording and endorsements not supplied cannot be assessed. Do not cancel or replace existing coverage on the basis of an automated review, and do not allow a policy to lapse before replacement coverage is confirmed in force. Uploading a document is not notice of a claim to any carrier or to this agency for any purpose under any policy; report any incident or potential claim directly to your carrier promptly in accordance with your policy's notice conditions.
About the Arkansas provisions described on this page. References to Arkansas Insurance Department Bulletin 17-2023, including the broadening of the circumstances in which an actual cash value settlement endorsement for wind and hail damaged roofs may be applied to a replacement cost policy, the previous position permitting an optional endorsement for roofs over ten years of age and a mandatory endorsement for roofs over fifteen, the current position permitting a mandatory endorsement with approved notice at roof age seven subject to the insurer submitting the notice for approval, and the lifting of the prohibition on a separate deductible for wind and hail damage, are general summaries provided for information only and are not a determination that any endorsement, deductible structure or settlement basis applies to any policy or to any person. Whether any particular policy carries such an endorsement, and on what terms, is determined by the policy issued to you. No worked example of a percentage deductible is published on this page, because the only figure of any value is the one calculated from your own declarations page. Bulletins and regulations are amended; confirm current requirements with the Arkansas Insurance Department. Oklahoma, Missouri and Texas regulate these matters under their own separate provisions.
The interactive review-focus selector is an educational illustration only. It does not evaluate your policies, your property, your assets or your insurance needs, does not determine eligibility, coverage or carrier appetite, and does not calculate, recommend or suggest a limit of insurance, a deductible, or any coverage amount. No premium figures, rate ranges, cost estimates, savings figures or carrier underwriting criteria are published on this page, and no carrier is named or recommended. Descriptions of what a review examines are general and illustrative and are not a representation that any particular item will be identified in any particular case. Market availability referenced as "40+ carriers" reflects the agency's overall market access across personal and commercial lines and is not a representation that any particular market is available for any particular risk. Statements that some users make no change following a review describe general experience and are not a prediction of any individual outcome.
Last reviewed August 2026.