1---2name: coverage-review3description: Coverage Review4---5# Coverage Review67## Purpose8Analyze coverage adequacy across all policy types against current asset base, liability exposure, and life events.910## Workflow111. Load current policy inventory (via `policy-inventory` skill or direct Paperless query)122. Pull asset values from finance-graph (real estate, vehicles, valuables, net worth)133. Pull liability data from finance-graph (mortgages, loans)144. Evaluate coverage gaps:15 - Property: replacement cost vs dwelling coverage16 - Auto: liability limits vs net worth exposure17 - Umbrella: total underlying + umbrella vs litigation risk threshold18 - Life: coverage vs income replacement needs and estate liquidity19 - Disability: benefit vs income percentage205. Flag any assets without corresponding coverage216. Compare limits against industry guidelines and net worth benchmarks2223## Output Format24Gap analysis report with: Coverage Area | Current Limit | Recommended Minimum | Gap | Priority | Action2526## Tool Dependencies27- `paperless.search_documents` — current policies28- `finance-graph.get_net_worth` — total net worth for sizing29- `finance-graph.list_assets` — asset details for coverage matching30- `finance-graph.list_liabilities` — liability exposure31- `actual-budget.budget` — premium budget context
Run npx skillmds@latest add hvkshetry/coverage-review in your terminal (requires Node.js), paste this page's agent-chat prompt into Claude, Cursor, or any MCP-connected agent, or download the SKILL.md file and copy it into your agent's skills directory.
Coverage Review It is listed under Coding & Dev Tools on SkillMD.
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hvkshetry (@hvkshetry) published this skill. Their other Agent Skills are listed on their SkillMD profile.
hvkshetry