Install
Tools
Free homeowners insurance calculators and checklists: how much coverage you need, what a hurricane deductible costs, whether to file a claim, what a roof claim pays, and more. They run in your browser and send nothing.
Products and Providers
Additional living expenses (loss of use) calculator Estimate your monthly extra living costs if a covered loss forces you out of your home, and how many months your loss of use limit would last. Depreciation calculator: actual cash value vs replacement cost Estimate what belongings are worth after depreciation, what an actual cash value check would be, and how much a replacement cost policy pays back later. Flood insurance coverage gap calculator See how much of your home and belongings a National Flood Insurance Program policy can cover, what is left over, and when a new policy would start. Home and auto bundle savings calculator Check a home and auto bundle discount against the same company's separate prices and against the best separate quotes you can find elsewhere. Home insurance claim checklist Work through the steps of a homeowners claim in order, with extra steps for water, wind, fire or theft, and tick them off as you go. Home insurance claim deadline calculator Pick your state and date of loss to see the dates that matter: when to report, when the insurer must respond and pay, and the last day to sue. Home insurance renewal increase checker Split a homeowners renewal increase into the part from a higher dwelling limit and the rest, with a short list of what to ask and do before renewal. Home insurance rules by state Pick a state, or two side by side, to see its market, insurer of last resort, deductible and claim rules, and regulator contacts. Hurricane and percentage deductible calculator Turn a hurricane, wind and hail, or earthquake percentage deductible into dollars and see what you and the insurer would each pay on a sample loss. Hurricane and wildfire season insurance checklist A checklist for the insurance side of hurricane and wildfire season: what to do before the season, as a storm or fire nears, and after the event. Nonrenewal action plan Turn a nonrenewal notice into a dated plan: what to do now, where to look for coverage, and what your state offers when no private insurer will write you. Roof and mitigation upgrade payback calculator Weigh a roof or storm-hardening upgrade, after grants, against the premium discount it earns and see how many years it takes to pay for itself. Roof claim payout estimator Estimate what a roof claim pays under replacement cost, actual cash value and roof payment schedule settlements, and what you would pay yourself. Should I file a homeowners claim? Compare what a claim would pay with the premium increase it might cause, and see when paying a repair yourself costs less than filing.
Consumers and Advice
Coinsurance and insurance-to-value calculator Test your dwelling limit against the 80% insurance-to-value rule and see how much a partial loss claim shrinks if you fall short. Compare home insurers side by side Pick up to three home insurers and line up their size, financial strength ratings, where they sell and how to reach them, using the facts in each profile. Escrow shortage calculator See how a higher homeowners premium raises your mortgage payment twice, once for the new premium and once to repay the escrow shortage. Home inventory builder Build a room-by-room list of belongings and replacement costs, compare the total with your personal property limit, and flag items over the standard limits. Home replacement cost estimator Estimate what it would cost to rebuild your house from the ground up, the number your dwelling coverage should match, using a per-square-foot cost you supply. Homeowners coverage gap checker Tick the 16 statements that are true of your homeowners policy and the checker lists the gaps to fix or raise with your agent before renewal. Homeowners deductible break-even calculator Compare two all-perils deductibles: the yearly premium saved, the extra cost per claim, and the number of claim-free years before the higher one pays off. Homeowners quote comparison worksheet Enter up to five homeowners quotes in columns and see where the coverage differs, so the cheapest price is not just the least coverage. How much homeowners insurance do I need? Set a target for each coverage in a homeowners policy, from rebuild cost to liability, then compare it with your current limits. How much liability and umbrella coverage do I need? Size your homeowners liability limit and an umbrella policy to the assets and income a lawsuit could reach, and to exposures like a pool, dog or teen driver. My home insurance went up: what to do A guided path for a renewal increase: find out why it rose, check your dwelling limit against rebuild cost, then compare quotes on the same coverage. Put our home insurance calculators on your site Free copy-and-paste home insurance calculators for agents, lenders, realtors and bloggers. No account, no tracking; nothing visitors type is sent anywhere. Valuables coverage checker Compare what you own in jewelry, firearms, cash, boats and business property with the special limits in a standard homeowners policy and see what to schedule. Which homeowners policy form fits your home? Answer a few questions about who owns the home, what kind it is and how it is used, and see which standard policy form usually fits and why.
Every tool runs in your browser. Nothing you type is sent to or stored by this site.