Smart Calculators for
Every Coverage Decision
Ten free tools built on real math — helping Florida homeowners, buyers, and business owners make confident financial and insurance decisions.
⚠️ All calculators use publicly available formulas and your own inputs. Results are educational estimates, not quotes or guarantees.Mortgage & PITI Calculator
Full monthly housing payment — principal, interest, taxes, insurance & HOA
Your insurance premium is a big part of this number. We shop 20+ carriers to lower it.
Get a Home Quote →* Formula uses standard amortization math. Results are exact given your inputs — verify property tax and insurance with real quotes for full accuracy.
Home Buying Affordability Calculator
How much home can you afford? Based on standard lender debt-to-income guidelines.
Don't forget to budget for homeowners insurance — it's required by every mortgage lender.
Get an Insurance Quote →* Based on standard front-end DTI ratios used by most lenders. Actual approval depends on credit score, reserves, and full underwriting review.
Auto Loan Payment Calculator
Estimate your monthly car payment and total cost of financing
New car? You'll need auto insurance before you drive it off the lot. We'll find you the best rate.
Get Auto Insurance →* Standard amortization formula. Actual dealer fees, taxes, and dealer add-ons may vary. Confirm financing terms with your lender.
Rent vs. Buy Calculator
Compare the true 5-year cost of renting vs. buying a home in Florida
Buying means you'll need homeowners insurance. We'll make sure it's priced right.
Get a Home Quote →* 5-year simplified comparison. Excludes closing costs, maintenance (~1% home value/yr), and investment returns on the down payment. A full analysis should account for these factors.
Flood Damage Cost Estimator
Estimated structural & contents damage by flood depth — based on FEMA depth-damage data
Based on FEMA's published depth-damage functions, this calculator estimates what a flood of a given depth would cost your home in structural and contents damage — so you can see exactly what's at risk.
Standard homeowners insurance never covers flood damage. A flood policy could cover all of this.
Get Flood Coverage →* Based on FEMA depth-damage functions and Marshall & Swift residential repair cost data. Actual damage varies by construction quality, duration of flooding, response time, and contractor rates. This is an educational estimate only.
Florida Hurricane Preparedness Cost Estimator
What will it actually cost to properly protect your home before hurricane season?
Florida homeowners can earn significant insurance discounts by hardening their homes. This calculator estimates your upfront preparedness costs — and the annual premium savings they can generate.
Wind mitigation inspection required to unlock most discounts. We'll help you through the process.
Lower My Premium →* Cost estimates based on Florida contractor averages (2024). Insurance discounts vary significantly by carrier and require a wind mitigation inspection to verify. Actual savings depend on your current policy, carrier, and which features are already present.
Umbrella Insurance Need Calculator
Compare your total assets at risk against your current liability coverage
An umbrella policy kicks in when your auto or home liability limits are exhausted. This calculator helps you see if there's a gap between what you own and what you're protected for.
A $1M umbrella policy often costs under $300/year. One of the best values in insurance.
Get Umbrella Quotes →* Not legal advice. Florida is not a "debtor friendly" state for wage garnishment protection — consult an attorney for asset protection planning.
Life Insurance Need Estimator
Estimate how much life insurance coverage your family would actually need
This calculator uses the DIME method — a standard industry framework: Debt + Income replacement + Mortgage payoff + Education.
Term life is often the most cost-effective way to cover a coverage gap like this. Let's talk.
Talk to an Agent →* DIME method is a standard industry framework. Does not account for Social Security survivor benefits, spouse income, or investment returns on a lump sum.
Deductible Break-Even Calculator
How long until premium savings offset a higher deductible?
A higher deductible lowers your annual premium — but you pay more out-of-pocket if you file a claim. This calculator tells you exactly how many claim-free years it takes for the savings to be worth it.
Lower Deductible
Higher Deductible
Not sure which deductible makes sense for your situation? Our agents can walk you through it.
📞 Call Us →* Analysis based on a single-claim scenario. In Florida, wind/hurricane deductibles are calculated separately as a % of insured value — ask your agent for details.
Business Interruption Loss Estimator
Estimate how much revenue your business would lose if forced to close temporarily
Business interruption (BI) insurance replaces lost income if your business is shut down by a covered event. This calculator helps you estimate how much coverage you'd actually need.
Most Florida businesses are underinsured for BI. Let our commercial specialist review your policy.
Talk to Jeff Iskow →* Simplified BI calculation based on gross profit method. Extra expense coverage, extended period of indemnity, and waiting periods also affect your coverage — consult a commercial agent.