Smart Calculators for
Every Coverage Decision
Nine free tools built on real math โ helping Florida homeowners, buyers, and business owners make confident financial and insurance decisions.
โ ๏ธ Results are educational estimates, not quotes or guarantees.Mortgage & PITI Calculator
Full monthly payment โ 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 โ* Standard amortization math. Verify property tax and insurance with real quotes for full accuracy.
Home Affordability Calculator
How much home can you afford based on standard lender DTI guidelines?
Don't forget homeowners insurance โ required by every mortgage lender.
Get an Insurance Quote โ* Based on standard front-end DTI ratios. Actual approval depends on credit score, reserves, and full underwriting.
Auto Loan Payment Calculator
Monthly car payment and total cost of financing
New car? You'll need auto insurance before you drive off the lot.
Get Auto Insurance โ* Standard amortization formula. Actual dealer fees and taxes may vary.
Rent vs. Buy Calculator
True 5-year cost comparison โ renting vs. buying in Florida
Total Cost to Rent
Net Cost to Buy
Buying means you'll need homeowners insurance. We'll make sure it's priced right.
Get a Home Quote โ* 5-year simplified comparison. Excludes closing costs, maintenance (~1%/yr), and investment returns on the down payment.
Flood Insurance Cost Estimator
Estimate your flood premium by FEMA zone and coverage amount
Private flood insurance often beats NFIP pricing โ especially in lower-risk zones.
Compare Flood Options โ* Based on FEMA Risk Rating 2.0 averages. Actual premiums depend on elevation certificate and carrier underwriting.
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.
A $1M umbrella policy often costs under $300/year โ one of the best values in insurance.
Get Umbrella Quotes โ* Not legal advice. Umbrella cost estimates based on industry averages ($200โ$400/yr for $1M).
Life Insurance Need Estimator
How much life insurance does your family actually need?
Uses the DIME method โ Debt + Income replacement + Mortgage payoff + Education. A defensible coverage target, not a sales pitch.
Term life is often the most cost-effective way to close a coverage gap like this.
Talk to an Agent โ* DIME method. Does not account for Social Security survivor benefits 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 โ 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
Higher Deductible
Not sure which deductible makes sense? Our agents can walk you through it.
๐ Call Us โ* Single-claim scenario. FL wind/hurricane deductibles are % of insured value and calculated separately.
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.
Most FL businesses are underinsured for BI. Let our commercial specialist review your policy.
Talk to Jeff Iskow โ* Simplified gross profit method. Consult a commercial agent for policy-specific analysis.