Free tools
Calculators & planners
19 free tools for reading a policy, checking limits, and walking through cost tradeoffs. Numbers are educational models—not bindable quotes. When you’re done, download an Excel pack with your inputs and next steps.
Start here
Auto
- Advanced4 minAdvanced auto coverage plannerFour-step planner covering financing, value, assets, UM/UIM, and BI limits—outputs a must-have vs discuss list.Launch advanced tool →
- Advanced3 minAuto premium ballpark estimatorEducational monthly premium range from age, record, credit band, state cost, vehicle, coverage, and bundling.Launch advanced tool →
- Advanced2 minAdvanced deductible analyzerBreak-even claims analysis with risk-preference modes and premium-vs-claim cost charts.Launch advanced tool →
- Advanced3 minShould I file a claim?Weigh repair cost, deductible, and modeled premium surcharge so you can decide whether filing helps or hurts.Launch advanced tool →
- Advanced3 minGAP insurance worth-it calculatorCompare loan payoff vs vehicle ACV and GAP cost to see when negative-equity protection is worth a closer look.Launch advanced tool →
- Advanced3 minPolicy declarations decoderTranslate declarations lines into plain English, hidden risks, and sharp agent questions—without uploading documents.Launch advanced tool →
- Advanced3 minQuote diff normalizerCompare two quotes on identical dimensions so cheaper premiums stop hiding weaker limits and higher deductibles.Launch advanced tool →
Home & landlords
- Advanced4 minAdvanced renters coverage estimatorCategory inventory, liability tiers, settlement type, deductible, and risk factors with premium driver breakdown.Launch advanced tool →
- Advanced3 minHomeowners insurance cost estimatorEducational annual premium band from dwelling rebuild, region, credit, claims, roof age, deductible, and bundling.Launch advanced tool →
- Advanced3 minReplacement cost vs ACV calculatorSee how depreciation and deductibles change claim payouts under replacement cost vs actual cash value.Launch advanced tool →
- Advanced3 minLandlord coverage checklistMap dwelling, loss-of-rents, liability, tenant renters proof, short-term rental, and flood gaps for rental property.Launch advanced tool →
Life & disability
- Advanced4 minAdvanced life insurance needs calculatorMulti-step DIME model with income-replacement %, scenario bands (lean/balanced/conservative), and visual needs breakdown.Launch advanced tool →
- Advanced3 minTerm life premium ballparkEducational monthly/annual term premium band from age, face amount, health, tobacco, and term length—with cumulative cost chart.Launch advanced tool →
- Advanced3 minTerm vs whole life cost comparatorCompare illustrative long-run premiums for term vs whole life by age, face amount, health assumption, and goal—with charts.Launch advanced tool →
- Advanced3 minDisability income needs calculatorSize the income gap if you can’t work—replacement %, employer LTD, emergency fund, and months of coverage.Launch advanced tool →
Liability
- Advanced2 minLiability waterfall simulatorWatch bodily injury per-person and per-accident limits drain across multiple claimants—and see what remains uncovered.Launch advanced tool →
- Advanced3 minUmbrella readiness scorecardWeighted score across net worth, underlying limits, and seven exposure factors with gauge and next-action guidance.Launch advanced tool →
Small business
New here? Start with a guideline then open the matching calculator. See methodology for formula notes.