insurouter

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Insurance tools

Every calculation here is done by ordinary code, on the numbers you enter. None of them produces a quote, a premium or a savings figure.

Why there is no price on any of these

Pricing comes from filed rates and underwriting data this site does not hold, so where a tool would normally show you a price it tells you why it cannot instead. Each one carries its own methodology, assumptions and limitations, written from the same object the code uses.

Tools
8
Cover several lines
3
3 tools

Auto insurance

What each coverage does and who writes it

Auto insurance

Auto insurance requirements by state

The auto insurance a state requires you to carry, shown only for states where the requirement has been researched and sourced, with the source and the date attached to each one.

You bring
Your state
Look up a state

Also applies to this line

Deductible exposure explorerShows exactly how one loss splits between you and your insurer at each deductible level, and how much more of a loss you carry when you raise it.Insurance company comparisonPut two companies side by side on the facts we have verified, with the source for each one and an explicit gap where we have not verified something.
3 tools

Homeowners insurance

Dwelling, property and liability limits explained

Homeowners insurance

No tool is specific to this line yet. These apply to it

Deductible exposure explorerShows exactly how one loss splits between you and your insurer at each deductible level, and how much more of a loss you carry when you raise it.Insurance company comparisonPut two companies side by side on the facts we have verified, with the source for each one and an explicit gap where we have not verified something.Homeowners coverage estimatorShows how the limits on a homeowners policy relate to each other: other structures, personal property and loss of use as percentages of the dwelling limit you enter.
3 tools

Renters insurance

What your landlord’s policy does not cover

Renters insurance

No tool is specific to this line yet. These apply to it

Deductible exposure explorerShows exactly how one loss splits between you and your insurer at each deductible level, and how much more of a loss you carry when you raise it.Insurance company comparisonPut two companies side by side on the facts we have verified, with the source for each one and an explicit gap where we have not verified something.Homeowners coverage estimatorShows how the limits on a homeowners policy relate to each other: other structures, personal property and loss of use as percentages of the dwelling limit you enter.
2 tools

Business insurance

Which coverages apply to your kind of business

Business insurance

Business insurance needs wizard

Answer nine questions about how your business operates and see which coverage categories to ask about, with the reason each one came up.

You bring
Nine answers about how your business actually operates
Start the wizard

Also applies to this line

Insurance company comparisonPut two companies side by side on the facts we have verified, with the source for each one and an explicit gap where we have not verified something.
2 tools

Life insurance

Term and permanent, and how underwriting works

Life insurance

Life insurance needs calculator

Adds up the money your household would need to replace, then subtracts what is already in place, and shows every line of the arithmetic.

You bring
Your income, your debts and what cover you already hold
Open the calculator

Also applies to this line

Insurance company comparisonPut two companies side by side on the facts we have verified, with the source for each one and an explicit gap where we have not verified something.
3 tools

Pet insurance

Reimbursement, waiting periods and exclusions

Pet insurance

Pet insurance comparison

Waiting periods, age restrictions, reimbursement and deductible options for the pet insurers in our database, showing only what has been verified.

You bring
Nothing. Pick the companies you want in the table
Open the table

Also applies to this line

Deductible exposure explorerShows exactly how one loss splits between you and your insurer at each deductible level, and how much more of a loss you carry when you raise it.Insurance company comparisonPut two companies side by side on the facts we have verified, with the source for each one and an explicit gap where we have not verified something.
2 tools

Travel insurance

Trip protection against travel medical

Travel insurance

Travel insurance needs wizard

Answer seven questions about a trip and see which travel coverage categories to ask about, with the two exclusions travellers most often find out about too late.

You bring
Your trip cost, where you are going, and who is travelling
Start the wizard

Also applies to this line

Insurance company comparisonPut two companies side by side on the facts we have verified, with the source for each one and an explicit gap where we have not verified something.

8 tools in all. A tool appears under every insurance type it applies to, so some are listed more than once above.