Calculators
Home Insurance Calculators
Dwelling replacement cost and personal property coverage — plus state-specific tools for the highest-risk markets, coming next — all free, no signup.
2
live now
9
more planned
$0
cost, always
Home insurance calculators
Live now — built around the 80% coinsurance rule that most simple calculators skip entirely.
State & specialty calculators
The highest-risk insurance markets, plus a couple of commonly confused coverage questions, launching on a rolling basis.
Soon Florida Home Insurance Calculator
Soon California Home Insurance Calculator
Soon Oklahoma Home Insurance Calculator
Soon Illinois Home Insurance Calculator
Soon Massachusetts Home Insurance Calculator
Soon Missouri Home Insurance Calculator
Soon NYC Home Insurance Calculator
Soon Home Warranty vs. Home Insurance Calculator
Soon Home Insurance Depreciation (ACV) Calculator
From the blog
Deep dives to help you get more out of every calculator above.
Explainer
How Is Home Insurance Actually Calculated? Replacement Cost, Contents, and the 80% Rule
Why your premium isn't based on what you paid for your house, and how the 80% rule can shrink any claim, not just a total loss.
Read more →CoverageComing soon
Home Warranty vs. Homeowners Insurance: What's Actually Covered
Two products that get confused constantly — and what happens when you assume the wrong one covers a broken appliance or a burst pipe.