Core Coverage
The four major insurance types — homeowners, renters, landlord, and auto. Start here.
Estimate your annual homeowners premium by state, home value, construction type, and deductible.
Calculate renters insurance cost based on coverage amount, state, and deductible.
Estimate landlord insurance premiums factoring property value, rent, and unit count.
Compare auto insurance costs by state, age, coverage level, and driving record.
Cost & Coverage Analysis
Calculate what you actually need to insure, and what that should really cost.
Estimate the cost to rebuild your home — what your insurance should actually cover.
Detailed replacement-cost model with construction class and regional cost modifiers.
Inventory your belongings and calculate the right personal-property coverage limit.
See how raising your deductible from $500 to $5,000 changes your premium.
Mortgage + tax + insurance + HOA in one number — the true cost of owning.
Disaster-Specific
Targeted calculators for hurricane, flood, wildfire, and roof-related coverage decisions.
Estimate flood insurance cost by FEMA zone, replacement cost, and elevation.
Compare NFIP Risk Rating 2.0 against private flood market quotes.
Model hurricane-deductible exposure and total cost in coastal high-risk states.
Stack OIR-B1-1802 wind mitigation discounts on your Florida premium.
Apply CDI Safer From Wildfires discounts to your California premium.
Discounts & Savings
Find every legitimate discount you qualify for and stack them correctly.
See how much bundling auto and homeowners actually saves at major carriers.
Compare costs between two states and quantify relocation savings.
Is switching worth it? Models loyalty discount loss vs new-customer honeymoon decay.
Quantify how your credit score affects your premium (in 47 states).
How roof age affects your homeowners premium — and when a new roof pays off.
Decision Tools
When the math is harder than picking the cheapest quote.
Compare expected payout against multi-year premium impact before filing.
Model expected settlement after deductible, depreciation, and ACV math.
Predict next-year premium increase by state and individual loss factors.
Compare insurance costs across two states when planning a move.
Specialty Coverage
Less-common but high-impact policies that most homeowners undercover.
How much umbrella liability you actually need — and what it costs.
Walls-in HO-6 coverage, loss assessment, and master-policy gap math.
Total cost of recovering from fire, flood, or hurricane — beyond just the rebuild.
Market Intelligence
Tools to evaluate the insurer or market — not the policy.