State law doesn't just set your coverage. It sets your exposure.
Insurance is regulated at the state level, and so are the creditor protections, exemptions, and tax rules that determine what a claim, a lawsuit, or an uninsured loss actually costs a client.
A valued policy law, a homestead exemption, an IRA creditor rule: none of these show up on a declarations page, but all of them change what is really at stake. That is the gap these hints are built to close.
Homestead exemption
A client in Georgia has $50,000 of home equity protected. The same home in Texas is protected without limit. That is a different liability coverage conversation.
Valued policy law
In 19 states, a total loss pays the full policy limit, making the dwelling coverage limit both the floor and the ceiling, and potentially triggering a capital gains event.
IRA and retirement protection
Rolling a 401(k) into an IRA can shift assets from unlimited federal protection to state-level rules. The rollover decision and the liability conversation belong together.
Wage garnishment
A liability judgment can become an ongoing income event. Four states prohibit wage garnishment entirely. The rest vary, and that changes what a coverage gap actually costs.
The same event plays out differently depending on the state.
- Most advisors think about coverage. Few think about what state law does after the coverage is used up. This is where that conversation starts.
- State rules do not just affect insurance. They affect what is left after insurance runs out. This is where that connection gets made.
- Hints appear automatically based on the client's state. No research, no data entry. Just the right context for the right client, every time the report is opened.