UmbrellaIQ

UmbrellaIQ is a mobile + web AI-assisted app that audits your umbrella coverage against your real-life risk profile. Users connect or upload their auto/home policies, then answer a short questionnaire about assets, drivers, rentals, pets, pools, side gigs, and travel. The app flags common gaps (underlying liability limits too low, excluded activities, missing uninsured/underinsured add-ons where available, outdated net-worth assumptions) and generates a plain-English “coverage reality check” report. It also produces a broker-ready checklist and renewal reminders, plus scenario testing (e.g., teen driver accident, dog bite, rental property claim) showing where coverage likely stops. This is not a claims guarantee; it’s a decision tool that helps users avoid being underinsured or paying for unnecessary limits. Monetization: subscription for ongoing monitoring + one-time audit, with optional lead referral to vetted independent agents.