6 calculators in this category
- Dwelling Coverage A Replacement Cost CalculatorISO HO-3 coverage structure and loss settlement conditionCoverage A is the limit that rebuilds your house, and it has almost nothing to do with what the house would sell for. Market…
- Wind, Hail & Hurricane Deductible CalculatorPercentage deductible endorsements on homeowners formsA percentage deductible is not a percentage of your claim. It is a percentage of your Coverage A dwelling limit , which means…
- Personal Property Coverage CalculatorSpecial limits of liability on the homeowners formTwo things go wrong with contents coverage, and they are unrelated. The first is the overall limit — usually set as a…
- Extended Replacement Cost Endorsement CalculatorExtended and guaranteed replacement cost endorsementsAn extended replacement cost endorsement adds a stated percentage above your dwelling limit — commonly 25% or 50% — and it…
- Flood Insurance Cost & Need CalculatorNational Flood Insurance Program (44 CFR Part 61)Flood is excluded from every standard homeowners policy, so the decision is always a separate one — and it turns on two…
- Landlord Insurance Coverage CalculatorISO Dwelling Property (DP-3) form structureA landlord policy is three separate sizing decisions wearing one premium. Coverage A is set by what it costs to rebuild the…
Which one do you need?
- Dwelling Coverage A Replacement Cost Calculator
- Estimate the rebuild cost your Coverage A limit must carry — it is not market value and excludes land — then derive the Coverage B, C and D limits from it.
- Wind, Hail & Hurricane Deductible Calculator
- Convert a percentage wind, hail or hurricane deductible into the dollars you would actually pay, and compare it with the flat deductible on every other peril.
- Personal Property Coverage Calculator
- Value your household contents category by category, test them against the policy limit, and find the items that hit a sub-limit long before the limit does.
- Extended Replacement Cost Endorsement Calculator
- Test whether your dwelling limit plus an extended replacement cost endorsement survives a construction cost spike, and price the extra protection per $1,000.
- Flood Insurance Cost & Need Calculator
- Compare a flood premium against the expected annual loss it covers, measure your freeboard above the base flood elevation, and find the gap above NFIP limits.
- Landlord Insurance Coverage Calculator
- Size a rental dwelling policy: rebuild-cost Coverage A, loss-of-rents limit driven by restoration time, liability limits and premium as a share of rent roll.