A method for modeling insurance coverage includes providing a processor, providing a memory coupled to the processor and including data related to a plurality of claims, and quoting, using the processor, a first insurance policy having coverage limits. The method also includes displaying within a user interface, a first plurality of claim scenario parameters for the first insurance policy, displaying a disparity between the coverage limits of the first insurance policy and the first plurality of claim scenario parameters, and quoting, using the processor, a second insurance policy. The method further includes displaying, within the user interface, a second plurality of claim scenario parameters for the second insurance policy and displaying a disparity between the coverage limits of the second insurance policy and the second plurality of claim scenario parameters.