Is Your Home Insurance Too Expensive? Find Your Fair Premium.
Multi-peril premium analysis, mitigation ROI, and deductible optimization for your specific property.
Free to start. No signup required. Data from NAIC, FEMA, IBHS, First Street.
Actuarial-Grade Insurance Analysis, Without the Broker Bias
The same multi-peril cost modeling used by underwriters and actuaries -- applied to your specific property, territory, and risk profile. No commissions. No upsells.
Multi-Peril Decomposition
Break your premium into component costs by peril: wind/hail, fire, water damage, theft, liability, and loss of use. See exactly what you're paying for.
Deductible Optimization
Monte Carlo simulation across deductible levels from $500 to $10,000. Find the deductible that minimizes your expected annual cost given your claim risk.
Mitigation ROI Calculator
See which home improvements actually pay for themselves. Impact roofing, storm shutters, security systems -- with payback period and NPV for each.
Coverage Gap Analysis
Compare your coverage limits against replacement cost estimates by ZIP code. We flag underinsurance and overinsurance so you carry exactly what you need.
Fair Premium Estimator
Benchmark your current premium against the fair range for your property, territory, and risk profile. Uses published NAIC rate filing data, not broker commissions.
Climate Trend Projector
Project your premium trajectory over 5-10 years. Based on historical NAIC rate filing trends and First Street climate risk scores for fire, flood, and wind.
How It Works
Describe Your Property
ZIP code, square footage, construction type, year built, roof type, and current premium. Takes about 3 minutes.
We Analyze Every Peril
Multi-peril premium decomposition, deductible optimization, coverage gap analysis, mitigation ROI, and climate trend projection -- all automated.
See Your Fair Premium
Your current premium benchmarked against the fair range. Ranked mitigation actions with payback periods. Optimal deductible recommendation.
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Ready to Know Your Fair Premium?
Enter your property details and get a complete multi-peril analysis in minutes. Premium decomposition, deductible optimization, mitigation ROI, coverage gap detection, and climate trend projection -- all in one report.
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