About Coverlee

What Coverlee is

Coverlee is a free, independent website for people in the United States who want to know how much insurance coverage is enough. Our centerpiece is the coverage checker: three short tools that estimate how much life insurance, home or renters coverage and auto liability you may need. Around it sit more than a dozen focused calculators, from flood coverage to Marketplace health plan levels, and a library of plain-language guides.

The name comes from the “lee”: the sheltered side, out of the wind. That is what good coverage does, and it is what we try to help you find without the noise.

What we believe

• You should see the math. Every tool shows its formula, its assumptions and a line-by-line breakdown. If we cannot explain a number, we do not show it.
• Answers should not cost you your contact details. Our calculators do not ask for a name, email or phone number, and they run in your browser.
• Plain language beats jargon. We define insurance terms the first time we use them and write at a level anyone can follow.
• Sources matter. Guides cite state insurance departments, the NAIC, FEMA, the IRS and other official sources, with the date we checked them.
• Being independent means saying “it depends” honestly, and then explaining what it depends on.

What we are not

Coverlee is not an insurance company, agency or broker. We do not sell insurance, collect quotes, recommend specific companies or share leads. We are not licensed to give insurance, legal, tax or financial advice, and nothing on the site is advice. When a decision needs a professional, we say so.

For health coverage, our plan level checker uses public data from the CMS Marketplace API. Coverlee is not affiliated with the government or HealthCare.gov, and you enroll on HealthCare.gov or your state’s marketplace, not here.

Who writes and checks the content

Guides and tools are produced by the Coverlee Editorial Team. We do not list individual names or credentials yet, and we will not invent them. When named writers or reviewers join, they will appear on the author page with their real backgrounds.

How we research, source, review and correct content is set out in our editorial policy, and how every tool calculates its numbers is in our methodology.

Who Coverlee is for

• New parents wondering how much life insurance is enough.
• Renters signing a lease and homeowners checking their dwelling limit.
• Drivers told “the state minimum is fine”.
• People comparing Marketplace health plans.
• Spanish- and Chinese-speaking families in the US who want the same clear answers in their own language.

How Coverlee is funded

Coverlee currently has no advertising, no sponsored content and no affiliate links. If we ever add any, our advertising disclosure will be updated first, partner links will be labeled where they appear, and they will never change a calculator result or what a guide recommends.

Contact

The best way to reach us is by email at Show email, or through our contact page. We read every message and aim to reply within 5 business days.