Free calculators for homeowners, renters and drivers. Work out how much coverage you need and what your deductibles really cost, then compare quotes with confidence.
Home, auto & renters calculators
Hurricane & Wind Deductible Calculator — Turn a percentage hurricane or wind deductible (1%, 2%, 5%) into dollars, and see what you would pay on a storm claim.
Should I Drop Full Coverage? Calculator — Compare what you pay each year for collision and comprehensive with the most you could ever collect, and check the 10% rule.
Home Insurance Coverage Calculator — Estimate how much dwelling coverage your home needs from its size and local rebuilding cost, plus typical other-structures, belongings and loss-of-use amounts.
Renters Insurance Calculator — Add up your belongings and work out how much personal property, loss-of-use and liability coverage to buy in a renters policy.
Umbrella Insurance Calculator — Compare what you could lose in a lawsuit with the liability limit on your home and auto policies, and size an umbrella policy to cover the gap.
Also useful when you shop
Deductible Comparison Calculator — Is a $1,000 deductible worth the savings over $500? Compare the premium you save with the extra you would pay per claim.
ACV Depreciation Calculator — See what an older roof, TV or car would actually be paid out at under actual cash value.
When to Drop Full Coverage on an Older Car — How to tell whether collision and comprehensive are still worth paying for, with the 10% rule and the questions to ask first.
These calculators are for education and planning. They are not insurance advice or a quote — your policy wording and a licensed agent or insurer have the final say.