SumSured
Estimator
Home and life coverage, sized in the open

How much coverage do you actually need?

SumSured sizes home and life cover on the page and shows every step of the arithmetic, so you can check the number before anyone quotes you. The coverage notes then explain what actually moves an insurer's price.

Coverage estimatorRuns in your browser. What you type here is not sent to us.
Coverage type

Educational sizing, not a quote and not advice. Sizing home cover? Read replacement cost vs market value before you shop.

Estimated life insurance cover$1,081,500A typical range is $843,570 to $1,276,170, from the details entered.
How we got this
  1. Income replacement: $85,000 x 10 years = $850,000
  2. Add outstanding debt and mortgage: $850,000 + $180,000 = $1,030,000
  3. Planning buffer of 5% for final costs: $1,030,000 x 1.05 = $1,081,500
  4. Illustrative estimate and range: $1,081,500 (typically $843,570 to $1,276,170)

Full method in our coverage note.

No sign up, no email, nothing sent to us
Edited by Hamza Hai, MBAOur editorial process60 guidesAcross 6 topicsLast revised Oct 4, 2026Newest guide revisionHow this site is fundedNo ads, no affiliate links
New here? Start with these

The questions behind almost every estimate

All coverage notes →
01Coverage note

How Much Home Insurance Do You Need? Replacement Cost

Your home should be insured for what it costs to rebuild, not what it would sell for. This coverage note sizes each layer from replacement cost upward.

02Coverage note

What Does Homeowners Insurance Cover?

This coverage note maps what homeowners insurance actually covers: the six standard parts of an HO-3 policy, the sub-limits and the big exclusions like flood.

03How-to walkthrough

How to Choose Home Insurance

This walkthrough shows how to choose home insurance in 7 steps, from sizing coverage to comparing quotes apples-to-apples, so you buy the right policy.

04How-to walkthrough

How to Lower Home Insurance: 8 Ways to the Cheapest Rate

How to lower home insurance in 8 ways, from re-shopping and deductibles to whether you can reduce the dwelling coverage to save money (mostly you should not).

05Coverage note

How Much Does Flood Insurance Cost in 2026?

This coverage note prices flood insurance by zone: illustrative premiums near $500 a year in minimal-risk X, $1,400 in AE, and $3,200 on coastal VE lots.

06Claim walkthrough

How to File a Home Insurance Claim

How to file a home insurance claim in 7 steps: what to photograph before cleanup, what the adjuster checks, and how depreciation and your deductible shape it.

Find your way around

Browse by topic

All notes →
Coverage note44 guidesCoverage basics5 guidesClaim walkthrough5 guidesHow-to walkthrough4 guidesWalkthrough1 guideCoverage walkthrough1 guide
Newest first

Latest coverage notes

All coverage notes →
An overhead illustrated map of a residential street grid with a river winding through it, teal-shaded bands marking the flood-prone land closest to the waterLatest note
Coverage note

Flood Zones by Zip Code: How to Find Yours

This coverage note explains flood zones by zip code: why one zip code can span several zones, how the letter system works, and how to look up your own.

25 min read
A small home safe with banded cash inside on a shelf, standing in for the assets a large umbrella limit is sized to protectCoverage note

What a $5 Million Umbrella Policy Actually Costs

This coverage note breaks down what a $5 million umbrella policy costs, why the fifth million prices differently, and who actually needs that much coverage.

23 min read
A single-story house with a gray shingle roof standing under a heavy, dark storm sky with scattered debris on the lawn and drivewayCoverage note

Florida Condo Insurance: Costs, Coverage, and Reforms

This coverage note explains Florida condo insurance: hurricane deductibles, flood exposure, Milestone inspections, loss assessments, and rising costs.

23 min read
A person holding a printed page headed INSURANCE flat on a grey desk while drawing a teal highlighter line across one row of the body text, with a mug and a folder beside itCoverage note

Does Home Insurance Cover Termites or Carpenter Ants?

This coverage note answers does home insurance cover termites, plus carpenter ant damage: why pest damage reads as maintenance, and the narrow exceptions.

30 min read
A man at a kitchen table opening an envelope printed with the words Insurance Renewal, a mug and a calculator on the table beside himCoverage basics

Home Insurance Non-Renewal: Why Insurers Drop You

This coverage note explains home insurance non-renewal: the notice window, the roof-age and claims-history triggers, and how to get covered again in time.

29 min read
Two hands turning a green-handled valve on a vertical metal pipe on the left, and two hands holding a round white alarm-style device flat against a pale blue-grey wall on the rightWalkthrough

How to Winterize a Home Before a Freeze Claim (8 Steps)

This walkthrough winterizes a home the way an insurer reads it: the maintenance behind freeze denials, what reasonable care asks of you, and what to document.

30 min read
Two suburban houses side by side with concrete driveways, walkways and a wooden fence panel visible in the gap between the propertiesCoverage note

What Is Other Structures Coverage? Coverage B Explained

This coverage note explains other structures coverage: what counts as detached, why the 10 percent default runs short, and how a Coverage B claim settles.

30 min read
Stay in the loop

Get the home & flood cost breakdown by email

Tell us about your place and we'll email you a walkthrough sized to it: what drives the premium, and where the flood line usually lands. We are not an insurer or an agency, we do not sell policies, and nobody will cold-call you.

We store your details to reply to you. See our privacy policy.
About these estimates

Where the numbers come from, and where they stop

Every figure on this page is a sizing illustration built from the inputs you gave it, not a price any insurer has offered you. Here is what SumSured is, what it is not, and where the money comes from.

Illustrative, never a quote

The estimator applies published coverage-sizing frameworks to the numbers you enter. Real quotes depend on underwriting details only an insurer can price.

Read the method →
How we make money

This site carries no affiliate links and no advertising. No insurer pays for placement, and nothing you click changes what the estimator calculates.

Read the disclosure →
Nobody here is licensed

We are not an insurer, an agency or a broker, and nobody on this site is a licensed agent or adjuster. Nothing here is personalised insurance advice.

About SumSured →
What we do with your details

The estimator sends nothing anywhere. If you use the email form or subscribe, we use your address to reply and nothing else.

Privacy policy →
Editorial teamInsurance-tools writing

SumSured estimators and guides are written by our editorial team, explaining the factors insurers price on and showing the arithmetic behind every estimate. Figures are illustrative and labelled, and articles are edited by Hamza Hai, MBA. They are educational general information, not insurance advice.

Hamza Hai, MBAEditor

Hamza Hai is the editor of SumSured. She holds an MBA and reviews the site's articles against our editorial standards, checking that every figure is labelled for what it is, that nothing is presented as verified fact without a source the reader can check, and that the writing stays useful to a non-specialist.

Questions people ask before they trust a number

What happens to what I type in?

The estimator runs entirely in your browser, so the figures you enter there are never sent to us. The forms further down this page are different, and we would rather say so than let the estimator imply otherwise: the email form sends what you enter to us so we can reply, and the newsletter box sends your email address. What we do with either is set out in our privacy policy.

How is the estimate calculated?

Live math, recomputed as you type. It uses widely cited sizing frameworks: income replacement plus debts for life coverage, and rebuild-cost logic for home coverage. Illustrative only, not a quote.

    See the full method in our coverage note.

    Is this a quote?

    No. It is an educational starting point so you can shop from an informed position. Real quotes depend on underwriting details only an insurer can price, and nothing here is personalised insurance advice.

    How does SumSured make money?

    This site carries no affiliate links and no advertising. Neither changes what the estimator calculates or what the guides say. The full arrangement is on our disclosure page.

    Who writes and checks this?

    Guides are written in-house and edited by Hamza Hai, MBA, against the standards on our editorial process page. We are not licensed insurance agents or adjusters, and nothing here is a recommendation about a specific policy.

    Can I change it later?

    Any time. Edit the inputs and the estimate updates instantly, and nothing is saved unless you download your own summary.

    Real numbers vary by policy, insurer and state, and the rules of thumb the guides describe are the versions most commonly described rather than a standard every carrier applies. Check your own coverage with a licensed professional before you buy.

    For publishers

    Take the estimator with you

    The coverage estimator is free to embed on your own site. Copy the snippet, keep the attribution link, done.

    Put this free home replacement-cost estimator on your site

    Free to use with attribution. Paste this where you want the tool to appear:

    Publishers: embed this calculator free