Insurance Shouldn't Be a Mystery

Free calculators and honest guides from someone who's seen what happens when coverage fails. No sales pitches. Just numbers that actually matter.

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Popular Tools

Built based on the questions I get asked every single week

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Auto Coverage Calculator

How much liability coverage do you actually need? Most people are underinsured by 40%.
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Home Replacement Cost

Your home's market value and replacement cost are not the same thing. Here's the real number.
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Life Insurance Needs

The rule of thumb says 10x your income. That rule is wrong for most families.
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Deductible vs. Premium

Does raising your deductible actually save money? I ran the math for 500 policies.
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Umbrella Policy Calculator

When a $1M umbrella policy costs less than a coffee per week, the math is simple.
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Claim Timeline Estimator

How long will your claim actually take? Based on real data from 8 years in claims.

By the Numbers

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8

Years in Claims

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From the Blog

Real stories from the insurance trenches

Umbrella Policy Saved Retirement Real Story

I got a call from a client last month that I'll never forget. "Marcus," she said, and her voice was shaking. "I just got served. A lawsuit. For $50,00...

Every insurance commercial tells you to bundle. "Bundle your home and auto and save!" The gecko says it. The emu says it...

Agent Laughed Flood Coverage Basement Pool

My insurance agent laughed. Not a big belly laugh, not a cruel one. Just a small chuckle, the kind that says "you're worrying about nothing" without a...

Every insurance commercial tells you to bundle. "Bundle your home and auto and save!" The gecko says it. The emu says it...

Denver Insurance Calculator Climate Lie

Why My Insurance Premium Calculator Gave Me a Heart Attack—And the Real Number Was Worse Marcus Tiernan I plugged my numbers into the online insurance...

Every insurance commercial tells you to bundle. "Bundle your home and auto and save!" The gecko says it. The emu says it...

The 50000 Life Insurance Gap I Discovered At My Fathers Funeral

The $50,000 Life Insurance Gap I Discovered at My Father's Funeral I was standing in the receiving line at the funeral home on Colfax Avenue, shaking ...

Every insurance commercial tells you to bundle. "Bundle your home and auto and save!" The gecko says it. The emu says it...

I Told My Client His Premium Was 340

I Told My Client His Premium Was $340. The Bill Said $1,180. I Had to Fix It. I made a mistake. I need to say that first, because what follows involve...

Every insurance commercial tells you to bundle. "Bundle your home and auto and save!" The gecko says it. The emu says it...

Why My Client's Insurance Rate Just Jumped 40% — And It Wasn't Their Fault | Insurance Calc Tool

So I'm sitting in my office on Colfax, sipping coffee that tastes like it was brewed during the Bush administration, when my phone rings. It's Sarah —...

Every insurance commercial tells you to bundle. "Bundle your home and auto and save!" The gecko says it. The emu says it...