Sourcing and AI drafting
What the home insurance estimator does: 9 tools
- Home insurance estimator pick a state, set the rebuild cost and deductible by typing or by tapping the walls, door, window, roof and ground of a drawn house, see the price built step by step, check a quote you were given against it, and keep five versions side by side.
- State averages on a map the 2023 NAIC average premium for all 50 states and DC, in a sortable table with ranks and a state-to-state difference.
- Eleven countries compared the yearly premium in 11 countries on a world map, each marked as official, worked out from official totals or a comparison-site average.
- Deductible break-even how much a higher deductible saves, how many claim-free years it takes to pay back, and what a percentage hurricane deductible costs in dollars.
- NFIP flood premium path how a discounted flood policy climbs toward its full-risk price under the 18% yearly cap, and the gap above the federal limits.
- Wind mitigation saving (Florida) what a wind mitigation inspection could take off the hurricane part of a Florida premium.
- My Safe Florida Home grant check the 2026 conditions one by one, how the two-for-one match and $10,000 cap split the cost, your place in the statute's priority order and how fast your share pays back.
- Roof age and four-point rules (Florida) when an insurer can ask about roof age, when Citizens wants a four-point or roof form, and the cap on a separate roof deductible.
- New roof price and claim payout price a shingle or metal roof from your region, roof area and slope, then see what a storm claim pays on a replacement-cost or actual-cash-value policy.
An AI model wrote the first drafts of this site's text, and readers are owed that fact. Within the EU, that notice is mandatory under Article 50 of the AI rulebook, Regulation 2024/1689.
What the model does and doesn't do
The model writes and edits the explanations from the cited sources, and each draft is checked sentence by sentence against them; no human editor approves the wording before publication. The calculators are fixed code with no model inside: the same entries always give the same result.
Which sources come first
Regulators and the law: the NAIC homeowners report, FEMA and GAO material on flood insurance, the Florida Statutes, the Florida Department of Financial Services and the inspection rules Citizens publishes. Abroad, insurers' associations and statistics offices such as the ABI, France Assureurs, GDV and Ireland's CSO. Commercial quote surveys and comparison sites supply only the size of individual pricing factors and, for three countries, a labeled average; their pages are linked once, from the sources page, and nowhere else.
Checking before publication
Each figure is compared with its source and the reading date is printed on the page. The calculators are run against worked examples kept with the site's code, including the edge cases: the $10,000 grant cap, the $700,000 grant limit, the 18% flood increase limit, the 15-year roof rule and the $200 floor below which a quote gets no verdict.
Independence
No insurer, agent, inspector, roofer or window maker pays to be mentioned or sees a page before it appears.
Page reviewed: 2026-11-01
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Edited