Insurance Calculators

Built based on the questions I get asked every week. No sales pitches, just numbers.

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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.
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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.
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Umbrella Policy Calculator

When a $1M umbrella policy costs less than a coffee per week.
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Claim Timeline Estimator

How long will your claim actually take? Based on real data.

From the Blog

Latest articles from our insurance experts.

My Neighbor Learned the Hard Way: Market Value and Replacement Cost Are Not the Same Thing | Insurance Calc Tool

It was a Tuesday morning in April when my neighbor Tom knocked on my door. He was holding his homeowner's insurance renewal and he looked like someone...

I made a mistake. I need to say that first, because what follows involves a quote, a policy, and a very angry client...

The $300 Policy That Saved a Teacher's Retirement | Insurance Calc Tool

I used to think umbrella policies were for rich people. You know, the kind of people who own boats and rental properties and have lawyers on speed dia...

I made a mistake. I need to say that first, because what follows involves a quote, a policy, and a very angry client...

The Day I Added My Teen to My Auto Policy — And My Premium Doubled | Insurance Calc Tool

My son turned 16 last month. Got his license. Passed the test on the first try, which was a minor miracle given how nervous he was. I was proud. My wi...

I made a mistake. I need to say that first, because what follows involves a quote, a policy, and a very angry client...

Why the 10x Income Rule Is Wrong for Most Families | Insurance Calc Tool

Every time I sit down with a new client to talk about life insurance, they say the same thing:

I made a mistake. I need to say that first, because what follows involves a quote, a policy, and a very angry client...

What Claims Adjusters Won't Tell You — Inside Secrets From 8 Years in the Industry | Insurance Calc Tool

I spent 8 years working as a claims adjuster for one of the biggest insurance companies in the country. I processed thousands of claims. I denied clai...

I made a mistake. I need to say that first, because what follows involves a quote, a policy, and a very angry client...

My Rental Property Insurance Nightmare — What Airbnb Hosts Don't Know | Insurance Calc Tool

I bought my first rental property in 2018. A duplex in Aurora, $285,000, needed some work but had good bones. I fixed it up, rented both units, and th...

I made a mistake. I need to say that first, because what follows involves a quote, a policy, and a very angry client...