Calculators

Free Florida Financial Tools

Smart Calculators for
Every Coverage Decision

Ten free tools built on real math β€” helping Florida homeowners, buyers, and business owners make confident financial and insurance decisions.

⚠️ Results are educational estimates, not quotes or guarantees.
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Florida Home Insurance Estimator

OIR rate filings + wind mitigation credits β€” calibrated to 535 real Palm Beach County policies

Enter the property address below β€” square footage, year built, and flood zone are retrieved from public records automatically. Then configure your OIR-B1-1802 wind mitigation credits for the most accurate estimate.

Property
Florida addresses only. Press Estimate to retrieve property data from public records.
Retrieved from public records. Tap any value to correct it if needed.
Wind Mitigation β€” OIR-B1-1802 (Rev. 04/26)

Credits apply to the wind/hurricane portion (~62% of total premium in Palm Beach County). Max discount: 88% on wind portion (Citizens cap). Condo (HO-6) owners: Sec. 5 and 6 cover building structure β€” typically under the association master policy. Your most impactful credit is Sec. 9 Opening Protection for your unit's windows and doors.

Total wind mitigation credit –64% on wind portion
Estimated wind mit savings vs. unmitigated pre-2001 home: β€”
Estimated Annual Homeowners Premium
β€”
Dwelling limit (Coverage A)β€”
OIR base rate at this dwellingβ€”
Wind mit credit appliedβ€”
Premium before wind mitβ€”
Wind mit savingsβ€”
Homeowners rangeβ€”
Flood insurance (est.)β€”
Hurricane deductible (3%)β€”
Total annual (HO + flood)β€”
β€”

This estimate is based on real OIR rate filings and Cronin's book of business. Get an exact quote from us β€” we shop 20+ carriers.

Get a Real Quote β†’

⚠️ These are ballpark estimates only

Premiums shown are based on FL OIR rate filings, publicly available property data, and 535 Cronin Insurance Agency policies β€” they are not an insurance quote, binder, or policy. Actual premiums vary significantly based on full carrier underwriting, roof age, claims history, wind mitigation inspection results, and current market conditions. Contact a licensed Cronin Insurance agent for an accurate, bindable quote across 20+ carriers.

Request a Real Quote β†’
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Mortgage & PITI Calculator

Full monthly payment β€” principal, interest, taxes, insurance & HOA

Enter both to see % of price
FL avg β‰ˆ 1.1–1.4% of value/yr
Call us for a real quote first
Typically 0.5–1% of loan/yr
Estimated Total Monthly Payment
β€”
Principal & Interestβ€”
Property Taxβ€”
Homeowners Insuranceβ€”
PMIβ€”
HOA Duesβ€”
Total Monthly PITIβ€”

Your insurance premium is a big part of this number. We shop 20+ carriers to lower it.

Get a Home Quote β†’

* Standard amortization math. Verify property tax and insurance with real quotes for full accuracy.

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Home Affordability Calculator

How much home can you afford based on standard lender DTI guidelines?

Combined household before taxes
Car, student, credit card minimums
Estimated Maximum Home Price
β€”
Max Monthly Housing Budgetβ€”
Est. Tax + Insurance (monthly)β€”
Available for P&Iβ€”
Max Loan Amountβ€”
Max Home Price (w/ down payment)β€”

Don't forget homeowners insurance β€” required by every mortgage lender.

Get an Insurance Quote β†’

* Based on standard front-end DTI ratios. Actual approval depends on credit score, reserves, and full underwriting.

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Auto Loan Payment Calculator

Monthly car payment and total cost of financing

FL avg used: ~10–12% | new: ~7–8%
Palm Beach County: 7.0%
FL title + tag typically $600–$1,000
Estimated Monthly Payment
β€”
Loan Amount (after down payment)β€”
Sales Taxβ€”
Feesβ€”
Total Financedβ€”
Total Interest Paidβ€”
Total Cost of Vehicleβ€”

New car? You'll need auto insurance before you drive off the lot.

Get Auto Insurance β†’

* Standard amortization formula. Actual dealer fees and taxes may vary.

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Rent vs. Buy Calculator

True 5-year cost comparison β€” renting vs. buying in Florida

If You Rent
FL avg ~4–6%/yr recently
If You Buy
FL historical avg β‰ˆ 3–4%/yr
5-Year True Cost Comparison

Total Cost to Rent

β€”
No equity built

Net Cost to Buy

β€”
β€”
Total Rent Paid (5 yrs)β€”
Total Buy Costsβ€”
Est. Equity Builtβ€”
Estimated Better Optionβ€”
β€”

Buying means you'll need homeowners insurance. We'll make sure it's priced right.

Get a Home Quote β†’

* 5-year simplified comparison. Excludes closing costs, maintenance (~1%/yr), and investment returns on the down payment.

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Flood Insurance Cost Estimator

Estimate your flood premium by FEMA zone and coverage amount

Look up your zone on FEMA's map β†’
NFIP max: $250,000
NFIP max: $100,000
Estimated Annual Flood Premium
β€”
Flood Risk Level
β€”
Building Coverage Est.β€”
Contents Coverage Est.β€”
Total Annual Premiumβ€”
Monthly Costβ€”
β€”

Private flood insurance often beats NFIP pricing β€” especially in lower-risk zones.

Compare Flood Options β†’

* Based on FEMA Risk Rating 2.0 averages. Actual premiums depend on elevation certificate and carrier underwriting.

β˜‚οΈ

Umbrella Insurance Need Calculator

Your assets at risk vs. your current liability coverage

An umbrella policy kicks in when your auto or home liability limits are exhausted. This shows if there's a gap between what you own and what you're protected for.

Your Assets at Risk
Future wages can be garnished after a judgment
Boats, jewelry, rental property equity
Your Current Liability Coverage
Your Liability Exposure Gap
β€”
Total Assets at Riskβ€”
Current Liability Coverageβ€”
Exposure Gapβ€”
Recommended Umbrella Amountβ€”
Estimated Annual Umbrella Costβ€”

A $1M umbrella policy often costs under $300/year β€” one of the best values in insurance.

Get Umbrella Quotes β†’

* Not legal advice. Umbrella cost estimates based on industry averages ($200–$400/yr for $1M).

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Life Insurance Need Estimator

How much life insurance does your family actually need?

Uses the DIME method β€” Debt + Income replacement + Mortgage payoff + Education. A defensible coverage target, not a sales pitch.

Income Replacement
Debts to Pay Off
Future Expenses
~$50–100k per child for in-state 4-yr
Employer group life + current policies
Recommended Life Insurance Coverage
β€”
Income Replacementβ€”
Mortgage Payoffβ€”
Other Debtsβ€”
Education Fundβ€”
Final Expensesβ€”
Minus: Existing Coverageβ€”
Additional Coverage Neededβ€”
β€”

Term life is often the most cost-effective way to close a coverage gap like this.

Talk to an Agent β†’

* DIME method. Does not account for Social Security survivor benefits or investment returns on a lump sum.

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Deductible Break-Even Calculator

How long until premium savings offset a higher deductible?

A higher deductible lowers your annual premium β€” but means more out-of-pocket at claim time. This tells you exactly how many claim-free years it takes to come out ahead.

Lower Deductible

β€”
β€”

Higher Deductible

β€”
β€”
Annual Premium Savingsβ€”
Extra Out-of-Pocket at Claimβ€”
Break-Even Pointβ€”
β€”

Not sure which deductible makes sense? Our agents can walk you through it.

πŸ“ž Call Us β†’

* Single-claim scenario. FL wind/hurricane deductibles are % of insured value and calculated separately.

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Business Interruption Loss Estimator

How much revenue would your business lose if forced to close?

Business interruption (BI) insurance replaces lost income if your business is shut down by a covered event. Estimate how much coverage you'd actually need.

Revenue & Fixed Costs
Variable costs that stop if you close
Rent, utilities, loans, insurance
Closure Scenario
FL hurricane recovery avg: 3–18 months
Estimated BI Coverage Needed
β€”
Monthly Net Income Lostβ€”
Monthly Fixed Costs Continuingβ€”
Monthly BI Lossβ€”
Closure Durationβ€”
Total Coverage Recommendedβ€”
β€”

Most FL businesses are underinsured for BI. Let our commercial specialist review your policy.

Talk to Jeff Iskow β†’

* Simplified gross profit method. Consult a commercial agent for policy-specific analysis.