Line F · Property & casualty
Property and casualty calculators help homeowners, renters and condo owners estimate dwelling and contents coverage from rebuild cost rather than market value, see what flood coverage the NFIP can and can't provide, size an umbrella against assets and income, and test whether a higher deductible pays off. Personal-lines agencies get leads with square footage, limits and exposure attached.
What you get
P&C
The unit owner picks their association's master policy type, then adds interior finishes, upgrades, belongings, a possible loss assessment and displacement costs. You receive the recommended HO-6 limits and the master policy type they believe applies.
7 inputs · 5 results
The visitor enters two deductibles, the premium quoted with each and how often they tend to file claims. Your agency sees which option they lean toward, how much cash they can absorb, and how claim-prone they say they are.
5 inputs · 6 results
The owner picks a building type, enters replacement cost, contents value and deductible, and sees what the National Flood Insurance Program can cover and what sits above it. Your agency receives the excess flood amount and the out-of-pocket figure after a total loss.
4 inputs · 7 results
The homeowner enters square footage, a local rebuild cost and their current dwelling limit, and sees the recommended Coverage A, the related limits and their insurance-to-value. You receive the shortfall, if any, before the renewal conversation.
8 inputs · 8 results
The tenant adds up what it would cost to replace their belongings room by room, then sees what an actual cash value policy would pay, which valuables exceed a typical theft limit and how much loss of use they might need. You receive the inventory totals with the lead.
10 inputs · 5 results
The prospect totals what a judgment could reach, including future income, and sets it against their auto and home liability limits. Your agency gets the uncovered exposure and a suggested umbrella rounded to the next $1 million.
8 inputs · 5 results
They compare what the customer has with what a loss would actually cost. The homeowners calculator multiplies finished square footage by a local rebuild cost, adds a cushion for cost surges and shows the shortfall against the current Coverage A — the insurance-to-value conversation most renewals skip.
The homeowners coverage calculator also derives other structures, personal property, loss of use and ordinance-or-law amounts as editable percentages of Coverage A. The condo HO-6 calculator starts from the association's master policy type, and the renters calculator contrasts replacement cost with actual cash value and flags jewelry above theft sub-limits.
The umbrella and auto coverage calculators add up home equity, savings, other assets and exposed future income, compare the total with underlying auto and home liability limits, and round the gap up to the $1 million layers umbrellas are sold in. A prospect who sees assets above their limits is ready to discuss raising them.
Use the umbrella calculator on home and auto pages, and the auto coverage calculator where drivers compare limits and deductibles.
The flood calculator shows how much of a building and its contents the NFIP's statutory limits can cover and how much excess flood coverage would be needed; the deductible break-even calculator compares two quoted deductibles and the claim-free years needed to come out ahead. Both reward agencies that explain trade-offs openly.
Feature the flood calculator well before storm season — NFIP policies generally take 30 days to take effect — and link the deductible break-even calculator from renewal emails.
FAQ
Answers first, details after.
Homeowners coverage, renters, condo HO-6, flood, umbrella and deductible break-even, each live with its own page linked from this hub. The calculator index lists every line.
No. It estimates the cost to rebuild from square footage and a local cost per square foot, plus a cushion for construction inflation. Market value includes land and has little to do with rebuilding cost.
No. It shows how much coverage the NFIP's maximum limits provide for the building type and how much excess flood coverage would be needed. Premiums come from the NFIP or private flood carriers through your agency.
It compares total exposure — assets plus the years of income the visitor chooses to protect — with the highest underlying liability limit, and rounds the gap up to $1 million layers. The recommendation remains your producer's.
The association's master policy type (bare walls, single entity or all-in), interior finish costs, upgrades, belongings, possible loss assessment and displacement costs. Many owners don't know their master policy type — a good reason to call.
No. It works for any policy with two deductible options — auto, home, renters or business — using the two premiums from the visitor's quotes and an expected claim frequency.
Often. The renters calculator adds up belongings at replacement cost, shows what an actual cash value policy would pay after depreciation, and flags valuables above the theft sub-limit.
They're included on every plan, including the free Producer plan with up to 5 calculators; paid plans start with a 14-day free trial.
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