Free Tools

Insurance Calculators

Two tools to help you understand your insurance costs and coverage gaps before your next renewal.

Premium Estimator
Coinsurance Calculator
Property Details
Total building square footage, all floors
Current or estimated annual rent collected
Risk Factors
Estimated Annual Premium
—
—
Low
—
Preferred market
Average
—
Standard market
High
—
Hard market / E&S
How We Calculated Your Insured Value
    Factors Affecting Your Rate
      Estimates are based on market rate data and are for general informational purposes only. Actual premiums vary based on underwriter review, specific carrier appetite, deductible selection, and coverage terms. Contact a licensed commercial insurance broker for an actual quote.

      Fill in the form to get your estimate

      We'll show you low, average, and high premium ranges based on real market rate data.

      Your Building
      What it would cost to rebuild your building today, not market value
      The building limit shown on your current policy
      Found in your policy declarations or conditions section
      How much damage would need to be covered in a claim

      How the coinsurance formula works:

      Insurance pays = (Your Coverage ÷ Required Coverage) × Loss Amount

      If you're required to carry 80% of $1M ($800K) but only carry $600K, the insurance company treats you as a co-insurer for the rest — and reduces your claim payout proportionally.

      Your Out-of-Pocket Gap
      —
      —
      Calculation Breakdown
      Actual Replacement Cost—
      Required Coverage (80%)—
      Your Coverage Amount—
      Coverage Ratio—
      Claim Amount—
      Insurance Pays—
      You Pay (Gap)—
      What This Means For You
        This calculator uses the standard coinsurance formula. Your actual policy terms may vary. Always verify your coinsurance clause with your broker and request an updated replacement cost estimate annually — construction costs have increased significantly since 2020.

        Enter your coverage details

        Find out exactly how much you'd owe out of pocket if you're underinsured and have a claim.