Kerdora stores seven insurance types. Four have coverage-target calculations—Life, Disability, Homeowners, and Liability. Long Term Care, Health, and Auto are captured and reviewed without a built-in target calculator.
Where policy data and planning live
Use Financials → Insurance or the Insurance Policy Summary to review the household's policy records.
Use Planning → Insurance to review coverage by planning section, compare current coverage with a target where supported, and open the underlying policy detail.
The Planning page groups coverage into:
Income Protection: Life and Disability for each adult.
Property & Liability: Homeowners for each property and household Liability coverage.
Other Coverage: Long Term Care, Health, and Auto.
Select Expand All to open every row or expand only the coverage you need.
Which coverages have targets?
| Coverage | Built-in target calculation? | Planning scope |
|---|---|---|
| Life | Yes | One row per adult |
| Disability | Yes | One row per adult |
| Homeowners | Yes | One row per property |
| Liability | Yes | Household liability coverage |
| Long Term Care | No | Policy capture and review |
| Health | No | Policy capture and review |
| Auto | No | Policy capture and review |
For the four calculated types, the planning row can show Coverage progress, Current, and Target. Open the row to review or edit the calculation inputs. A calculated target is not a policy recommendation by itself; validate the assumptions and available policy definitions.
Add or review coverage
Open Planning → Insurance.
Expand the relevant adult, property, or coverage row.
Review the current policies shown for that row.
Use the row's add-policy control when coverage is missing, then complete the policy fields in the drawer.
For Life, Disability, Homeowners, or Liability, review the calculation inputs and coverage progress.
Return to the Policy Summary to confirm the full set of policies.
Homeowners coverage should be linked to the correct property. If Kerdora finds a Homeowners policy that is not linked to a current property, the Planning page can offer it for linking rather than requiring a duplicate policy.
How to interpret capture-only coverage
No target bar does not mean the coverage is unimportant. It means Kerdora is recording the policy facts without calculating a recommended amount. Review the policy terms, client circumstances, and external professional guidance directly.
Common questions
Why does a row have no progress bar?
Long Term Care, Health, and Auto do not currently have built-in target calculations. Life, Disability, Homeowners, and Liability do.
Why is a Homeowners policy not included for a property?
Confirm the policy's linked property. Use the unlinked-policy prompt on Planning → Insurance when it appears.
Does Kerdora replace insurance analysis?
No. Kerdora organizes policy information and supports planning calculations for selected coverages. Confirm actual needs, policy definitions, underwriting, and recommendations with qualified insurance and compliance professionals.