Abstract: A connectivity hub server detects the occurrence of a qualifying update event associated with a user and generates one or more recommended updates to the user's existing coverage based on the qualifying update event. Responsive to the user electing an adaptive coverage policy during an initial coverage binding process, the connectivity hub server periodically queries one or more third-party data sources for information associated with the user and analyzes the received information to detect the occurrence of a qualifying update event. Modules of the connectivity hub server determine one or more recommended coverage updates based on a stored mapping and implement one or more of the recommended coverage updates based on instructions from the user device.