Insurance calculator for your household

Last updated November 6, 2026

Use ten free US insurance calculators to check coverage limits, compare written quotes or estimate how much income your household needs.

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Home insurance exampleComparing a rebuild estimate

Rebuild estimate: $425,000
Dwelling limit: $400,000
Amount above the limit: $25,000

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Start with the decision you’re making. A policy declarations page gives you limits and deductibles. A written quote gives you a price to compare.

Compare home and auto renewal offers

Enter separate and bundled written premiums to see which costs less over the same year. Check that the coverages match before using the price difference.

Compare your home and auto bundle

Use four premiums from written offers. Enter the full annual home premium and the full quoted auto term for each option, with discounts and fees counted once. Leave out mortgage escrow totals, monthly installments and down payments.

How it works: annual home premium + auto term premium × (12 ÷ term months). A six-month quote is counted twice for comparison; its renewal price can change. This is a budget comparison, not a quote or a bill. How multi-policy discounts work.

What should match before I compare prices?

Check your two offers

People, property and dates. Compare the house, vehicles, listed drivers and effective dates.

Texas auto renewal guide

Coverage limits. Match the dwelling and contents limits, auto liability limits and optional coverages on the two offers.

Deductibles in dollars. Check which event triggers each home deductible and the base for any percentage. Record auto collision and comprehensive separately.

Read a declarations page

Household price. Include each discount and fee once. If you move only one policy, ask what the other would cost on its own.

Texas multi-policy discount guidance

See why the sample bundle costs $40 more a year

Separate offers and the bundle

In this example, both offers use matching coverages, and each term premium already includes the applicable fees and discounts.

Home and auto premiums in separate and bundled example offers
Policy period	Separate policies	Bundle offer
Home, 12 months	$1,800	$1,720
Auto, 6 months	$750	$810
Combined, annualized	$3,300	$3,340

The bundle cuts the home premium by $80. Its auto premium rises by $60 every six months. Assuming the same auto price at the next renewal, that is $120 more for Auto and $40 more overall for the year.

If the new offer also changes a limit or deductible, request a version with matching coverage. Then compare the price of the coverage change separately.

What changes when one figure changes?

A higher rebuilding estimate, a different liability limit or a shorter quote period can change what a number means. These examples show how to check each one.

A renovation changes the rebuilding estimate

Imagine your dwelling limit is $330,000. Before an addition, your rebuilding estimate was $310,000. A new estimate for the finished house is $365,000.

Two rebuilding estimates compared with a $330,000 dwelling limit
Estimate	Rebuild cost	Limit compared with estimate
Earlier	$310,000	$20,000 above
Updated	$365,000	$35,000 below

Ask your insurer whether the policy accounts for the addition, including any coverage extension. A sale price can include land value. A rebuilding estimate uses the structure and local construction costs. California’s residential insurance guide

A property loss tests one part of an auto policy

Suppose a covered accident causes $40,000 of damage to someone else’s property. Keep that loss fixed while changing only the property damage liability limit.

One $40,000 property loss under two liability limits
Property limit	Within limit	Above limit
$25,000	$25,000	$15,000
$50,000	$40,000	$0

Increasing only the bodily injury limit would leave the same $15,000 above a $25,000 property limit. Check which line of the quote changed before comparing prices. Your policy and the facts of the claim determine the actual payment. California’s auto coverage guide

Compare two quotes with different policy periods

Compare the same months and coverages

A six-month total can look cheaper beside a full-year total. Divide each quote by its own term first. Then match the drivers, vehicles, liability limits, deductibles and optional coverages before deciding what the price difference buys.

Use your two quote totals

If only the collision or comprehensive deductible changes, compare the deductible with the premium savings to see how many claim-free months it would take to cover the difference.

Average monthly cost of six- and twelve-month auto quotes
Quote	Term total	Monthly equivalent
6 months	$720	$120
12 months	$1,320	$110
The monthly difference is $10. Include fees once in each total. The next six-month renewal may have a different price.

How to use state insurance data

What a Texas homeowners average tells you

The Texas Department of Insurance publishes both coverage amounts and annual premiums. In its homeowners data, the average annual premium rose from $3,291 in 2024 to $3,489 in 2025, a $198 difference. The average amount of home coverage in 2025 was $432,800.

Those averages describe the Texas market. To understand a change on your own renewal, compare the old and new limits, deductibles and premiums for the same property. Use the written annual premiums to see how much extra to set aside each month. Calculate your monthly home insurance budget

Texas homeowners · 2025

Average home coverage amount: $432,800
Average annual homeowners premium: $3,489 / year

Texas Department of Insurance, Texas Statistical Plan for Residential Risks

Compare California car insurance samples

The California Department of Insurance publishes sample annual premiums for the same driver profile across insurers. In its 2026 survey, choose a coverage type and a location, then keep the driver, mileage, vehicle and driving record the same as you compare results.

Open California’s auto premium survey

Try the survey with one driver

Published example: Basic profile 1101a
Driver: Single driver, licensed for two years, no violations
Vehicle and mileage: Toyota Camry, 5,000–7,500 miles per year
Premium period: Annual, effective January 1, 2026

Use the sample to decide whom to ask for a written quote. Your own location, coverages and discounts can change the price. Read the state’s survey profiles.

Questions about coverage and cost

Understanding coverage

Which numbers should I copy from my policy?

The coverage limit is the maximum for a particular coverage under the policy terms. The deductible is the part of a covered loss you pay. The premium is the price for a policy period. Look for these on the declarations page before working through a calculator. Texas declarations-page guide · Insurance glossary

How do I compare term vs. whole life insurance?

Start with the amount your family would need. If you want protection while a mortgage or other obligation is outstanding, use the term length comparison to check when that obligation ends. If you are considering a policy that can stay in force for life, use the whole life illustration worksheet to compare what you would pay and what would be available on surrender. Ask for written quotes at the same face amount, then check what protection continues beyond the term. Texas Department of Insurance’s policy comparison

One quote leaves a coverage blank. How should I compare it?

Mark the entry as unknown and ask for the coverage name, limit, deductible and price in writing. If the insurer confirms it is excluded, keep the exclusion visible beside the lower price. You can still compare the parts both offers document. California’s guide to comparing written auto quotes

Comparing renewals

What if my home and auto policies renew in different months?

Write down the start and end of each quoted term. Use a monthly equivalent to compare their sizes, then mark the actual due dates on your budget. Treat the next auto renewal as an unknown price until you receive its quote. Compare six- and twelve-month auto quote totals

Should I use my escrow payment as my home premium?

Copy the insurance premium from the policy or insurer’s bill. A mortgage servicer can use escrow to pay property taxes and home insurance, so the monthly escrow amount can include both. If your household budget already includes the escrow-funded premium in the mortgage payment, count that cost only once. CFPB’s escrow explanation

I have a replacement home quote. When can I end my current policy?

Obtain the new policy or written confirmation of coverage and verify its effective date before ending the current one. If your servicer pays the premium from escrow, ask how to provide the updated policy and billing details. Texas home insurance shopping guide · CFPB’s escrow guide

Where the numbers come from

Insurance Calculator publishes independent US worksheets and original examples. Each tool shows how it calculates its result. Coverage definitions link to public regulators, and market figures identify their reporting periods. We do not sell policies or collect quote leads. A licensed insurance professional has not reviewed these worksheets.

See how we check calculations, report a correction, or read the insurance guides for a worked comparison.

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