Coverage & Limits calculators
Decide how much cover the numbers support and where the gaps are.
16 tools
- Coverage & Limits
Insurance Coverage Calculator
Add up the obligations insurance would need to cover and compare the total against the protection you already have.
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Insurance Deductible Calculator
Work out whether a higher deductible is worth the premium saving, and how many claim-free years it takes to come out ahead.
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Insurance Needs Calculator
Estimate the liability limit your assets and future income justify, and see whether an umbrella policy is warranted.
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Auto Liability Coverage Calculator
Work out the liability limit your assets and future income justify, rather than accepting the state minimum by default.
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Home Coinsurance Calculator
See what a coinsurance clause does to a claim when a property is insured below the required percentage of its rebuild cost.
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Life Insurance Coverage Gap Calculator
Compare the cover you need against the cover you hold, and estimate what closing the gap would cost.
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Coverage Analyzer
Compare up to three policies on the total cost of being insured, combining the premium with the share of a claim each one leaves with you.
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Deductible Comparison Tool
Put two deductible options side by side and see the annual saving, the extra exposure and the claim-free years needed to break even.
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Coverage Gap Analyzer
Compare the coverage you need against the coverage you hold, and estimate what closing the difference would cost.
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Out-of-Pocket Estimator
Work out what a specific claim would actually cost you once the deductible, coinsurance, out-of-pocket maximum and coverage limit are applied.
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Coverage Review Checklist
Run a structured annual review across every policy, so gaps and duplications get found before a claim finds them.
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Insurance Needs Analysis
Add up every obligation insurance would have to meet and subtract the resources already in place, to reach a defensible coverage figure.
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Income Protection Calculator
Find the lump sum needed today to replace an income for a set period, allowing for growth in costs and a return on the money.
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Asset Protection Calculator
Measure what a liability claim could reach - assets plus future income - and compare it against the limits you currently carry.
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Coverage Requirement Calculator
Compare a required coverage amount against what is in force and estimate the cost of closing the difference.
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Coverage Needs Tool
Add up the obligations insurance would need to meet and compare them against the cover and savings already in place.
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