About Insurance Calculator
Insurance Calculator publishes free tools for people in the United States who are reading a policy, comparing written quotes or working out how much protection their family might need. Bring the figures you have. Each worksheet shows what those numbers mean together and which questions are still open.
Last updated
- Last year
- $1,800
- Renewal
- $2,100
+$25 per month Average change in this example’s budget.
Start with the decision in front of you
My home insurance renewal went up
Take the annual premium from each notice. In the example above, the $300 annual increase changes the household budget even if the insurer collects only one payment. Compare dwelling limits and deductibles next to see whether the renewal also changes what you’re buying. Compare your home renewal premiums
I’m choosing life insurance for my family
Two questions often travel together. How much would your household need if you died today? And how long do you want a policy to stay in force? The first uses household spending, other income and existing coverage. The second uses dates, such as the final mortgage payment or the end of childcare. Estimate the coverage amount or compare two term lengths.
I need to know what my condo policy covers
Start with the association’s documents and your unit policy. If the association restores the original kitchen and you are responsible for upgrades, enter just the upgrade cost on that line. Keep your furniture under belongings. If responsibility is uncertain, you can still check the parts you know. Separate the owner’s costs from the association’s
Who publishes the tools?
Insurance Calculator is the independent publisher of this site at InsuranceCalculatorPlus.com. We do not sell insurance or collect quote leads. We use guidance from state and federal agencies, and we identify the agency beside the information it supports. The publisher is responsible for the site’s worksheets and explanations.
These tools have not been reviewed by a licensed insurance professional. A calculated gap can help you prepare a question for your insurer. Your policy and the facts of a loss determine what a claim pays. To see the assumptions behind a result, read the method on its calculator page. How we choose sources and check the math
Found a figure you can’t reproduce?
Send the page link, the result you expected and a made-up example that shows the difference. Leave personal policy documents and account details out of your message. Read how to report a correction or email contact@insurancecalculatorplus.com.
For information about worksheet submissions or downloaded inventories, read the privacy notice.