Insurance Calculators

Built based on the questions I get asked every week. No sales pitches, just numbers.

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Auto Coverage Calculator

How much liability coverage do you actually need? Most people are underinsured by 40%.
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Home Replacement Cost

Your home's market value and replacement cost are not the same thing.
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Life Insurance Needs

The rule of thumb says 10x your income. That rule is wrong for most families.
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Deductible vs. Premium

Does raising your deductible actually save money? I ran the math.
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Umbrella Policy Calculator

When a $1M umbrella policy costs less than a coffee per week.
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Claim Timeline Estimator

How long will your claim actually take? Based on real data.

From the Blog

Latest articles from our insurance experts.

Why My Client's Insurance Rate Just Jumped 40% — And It Wasn't Their Fault | Insurance Calc Tool

So I'm sitting in my office on Colfax, sipping coffee that tastes like it was brewed during the Bush administration, when my phone rings. It's Sarah —...

I made a mistake. I need to say that first, because what follows involves a quote, a policy, and a very angry client...

My Neighbor Learned the Hard Way: Market Value and Replacement Cost Are Not the Same Thing | Insurance Calc Tool

It was a Tuesday morning in April when my neighbor Tom knocked on my door. He was holding his homeowner's insurance renewal and he looked like someone...

I made a mistake. I need to say that first, because what follows involves a quote, a policy, and a very angry client...

The $300 Policy That Saved a Teacher's Retirement | Insurance Calc Tool

I used to think umbrella policies were for rich people. You know, the kind of people who own boats and rental properties and have lawyers on speed dia...

I made a mistake. I need to say that first, because what follows involves a quote, a policy, and a very angry client...

The Day I Added My Teen to My Auto Policy — And My Premium Doubled | Insurance Calc Tool

My son turned 16 last month. Got his license. Passed the test on the first try, which was a minor miracle given how nervous he was. I was proud. My wi...

I made a mistake. I need to say that first, because what follows involves a quote, a policy, and a very angry client...

Why the 10x Income Rule Is Wrong for Most Families | Insurance Calc Tool

Every time I sit down with a new client to talk about life insurance, they say the same thing:

I made a mistake. I need to say that first, because what follows involves a quote, a policy, and a very angry client...

What Claims Adjusters Won't Tell You — Inside Secrets From 8 Years in the Industry | Insurance Calc Tool

I spent 8 years working as a claims adjuster for one of the biggest insurance companies in the country. I processed thousands of claims. I denied clai...

I made a mistake. I need to say that first, because what follows involves a quote, a policy, and a very angry client...