Homeowners and property insurance tools. Browse our free home tools below — all calculators are instant, accurate, and require no sign-up.
Additional Living Expense (ALE) Calculator — Estimate additional living expense coverage you need if your home becomes uninhabitable. Calculate temporary housing, food, and displacement costs.
Claim Frequency Impact on Premium Calculator — See how filing insurance claims affects your homeowners premium over time. Calculate the long-term cost of frequent claims vs. paying out-of-pocket.
Builder's Risk Insurance Calculator — Estimate builder's risk insurance costs for new construction or major renovations. Calculate premiums based on project value, duration, and construction type.
Credit Score Impact on Insurance Cost Calculator — See how your credit score affects homeowners insurance premiums. Compare rates across credit tiers and calculate potential savings from improving your score.
Dwelling Replacement Cost Calculator — Calculate your home's dwelling replacement cost for insurance based on square footage, construction quality, local building costs, and special features.
Earthquake Insurance Cost Calculator — Estimate earthquake insurance premiums based on home value, location, soil type, foundation, and deductible. Compare costs for seismic coverage options.
Flood Insurance Calculator (NFIP vs Private) — Compare NFIP and private flood insurance costs. Estimate flood insurance premiums based on flood zone, building type, coverage, and elevation certificate.
Home Business Rider Calculator — Calculate the cost and coverage needs for a home business endorsement on your homeowners policy. Protect business equipment and liability from home.
Home Deductible Options Comparison Calculator — Compare homeowners insurance deductible options to find the optimal balance between premium savings and out-of-pocket risk. Side-by-side cost analysis.
Home Inventory Value Calculator — Calculate the total value of your home belongings by room. Build a comprehensive home inventory for insurance coverage and claims documentation.
Home Insurance Cost by State Comparison — Compare average homeowners insurance costs across all 50 U.S. states. See how your state ranks and understand the factors driving regional premium differences.
Home Warranty vs. Insurance Comparison — Compare home warranty plans to homeowners insurance. Understand what each covers, annual costs, and when you need one, the other, or both.
Home Liability Coverage Calculator — Determine the right liability coverage amount for your homeowners insurance based on assets, income, risk factors, and family situation.
Homeowners Insurance Premium Estimator — Estimate your annual homeowners insurance premium based on home value, location, deductible, credit score, and coverage level. Free online calculator.
Insurance Bundling Discount Calculator — Calculate how much you can save by bundling homeowners, auto, and umbrella insurance policies. Compare bundled vs. separate policy costs.
Mold Coverage Gap Calculator — Calculate potential mold remediation costs and identify coverage gaps in your homeowners policy. Estimate mold removal expenses vs. insurance sub-limits.
Personal Property Coverage Calculator — Calculate the right personal property coverage for your homeowners insurance. Estimate total belongings value by room and category for proper coverage.
Sinkhole Insurance Cost Estimator — Estimate sinkhole insurance costs and coverage needs based on property value, location risk, and deductible. Learn about catastrophic ground cover collapse.
Roof Age Impact on Premium Calculator — Calculate how your roof's age affects homeowners insurance premiums. See the cost difference between new and aging roofs and when replacement saves money.
Umbrella Policy Cost Calculator — Estimate the cost of an umbrella insurance policy based on coverage amount, underlying policies, assets, and risk factors. See how much extra protection costs.
Umbrella Policy Need Calculator — Determine if you need an umbrella insurance policy and how much coverage is right. Assess your risk exposure based on assets, income, and risk factors.
Vacant Property Insurance Calculator — Estimate insurance costs for a vacant or unoccupied property. Compare standard vs. vacant property policy premiums and understand coverage differences.
Water Backup Coverage Value Calculator — Calculate the value of water backup and sump pump overflow coverage. Estimate potential damage costs and compare to endorsement premiums for your policy.
Wind/Hail Percentage Deductible Calculator — Calculate your wind and hail percentage deductible in dollars based on dwelling coverage. Understand your actual out-of-pocket cost for storm claims.