Tips and Guides tools

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. 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.

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. 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. 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. 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.

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