Simple, transparent pricing
Know Your Fair Premium. Pay Per Report.
Start free with basic premium analysis. Purchase detailed optimization reports with Monte Carlo simulation, mitigation ROI, and carrier comparison scoring.
Free
Basic premium analysis
$0
- Multi-peril premium decomposition
- Fair premium range estimate
- Basic deductible comparison
- ZIP-level territory data
- No Monte Carlo simulation
- No downloadable PDF report
Single Report
One comprehensive analysis
$12one-time
- 1 full optimization report
- Monte Carlo simulation (10K scenarios)
- Deductible optimization with confidence intervals
- Mitigation ROI with payback periods
- Coverage gap analysis vs. replacement cost
- Carrier comparison scoring
- Climate trend projection (5-10 yr)
- Downloadable PDF report
Best Value
Report Pack
5 reports -- save $21
$39one-time
- 5 full optimization reports
- Everything in Single Report
- Compare multiple properties
- Track premium changes over time
- Save $21 vs. buying singles
Frequently Asked Questions
What does a report include?
Each report includes multi-peril premium decomposition, Monte Carlo deductible optimization (10,000 scenarios), mitigation ROI analysis with payback periods, coverage gap analysis against replacement cost, carrier comparison scoring, and a 5-10 year climate trend projection. You get a downloadable PDF with all findings and actionable recommendations.
How accurate are the cost estimates?
Our models use NAIC rate filing methodology, FEMA Risk Rating 2.0 actuarial data, IBHS mitigation discount schedules, and First Street climate risk scores. Estimates are probabilistic and based on published regulatory data. Always obtain actual quotes from licensed agents before making coverage decisions.
When should I use this tool?
The best time is before your annual renewal, after a rate increase, when considering home improvements, or when shopping for new coverage. Run a report to understand whether your current premium is fair and which actions could lower it.
Do credits expire?
No. Report credits and API credits never expire. Use them whenever you need them.
What is your refund policy?
Try the free tier first to see exactly what data you get. All credit purchases are final since credits are delivered instantly. If you experience a technical issue preventing report generation, contact us for support.
Ready to find your fair premium?
One report can save you hundreds on your next renewal.
Analyze My Premium FreeNo credit card required