* Formula uses standard amortization math. Results are exact given your inputs — verify property tax and insurance with real quotes for full accuracy.

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

* Standard amortization formula. Actual dealer fees, taxes, and dealer add-ons may vary. Confirm financing terms with your lender.

* 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.

* Based on FEMA Risk Rating 2.0 published averages by zone. Actual premiums depend on elevation certificate, first-floor height, and carrier underwriting. NFIP rates are federally set — private market rates vary more widely.

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.

* Not legal advice. Florida is not a "debtor friendly" state for wage garnishment protection — consult an attorney for asset protection planning. Umbrella cost estimates based on industry averages ($200–$400/yr for $1M).

This calculator uses the DIME method — a standard industry framework: Debt + Income replacement + Mortgage payoff + Education. It gives you a defensible coverage target, not a sales pitch.

* DIME method is a standard industry framework. Does not account for Social Security survivor benefits, spouse income, or investment returns on a lump sum. A licensed life insurance agent can provide a more complete analysis.

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.

* Analysis based on a single-claim scenario. In Florida, wind/hurricane deductibles are calculated separately as a % of insured value and are not interchangeable with standard deductibles — ask your agent for details.

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.

* Simplified BI calculation based on gross profit method. Actual BI policies use specific policy language to define covered income. Extra expense coverage, extended period of indemnity, and waiting periods also affect your coverage — consult a commercial agent.