A number, not a funnel
We think you should be able to estimate coverage without becoming a sales lead.
How we build
Estimators use published replacement-cost and premium factors. Guides explain what raises or lowers your number.
How we make money
Some quote links are affiliate links, at no cost to you. The estimators do not depend on you clicking them.
How we research a coverage note
Every note starts from the same place: the published numbers insurers actually price on. We work from replacement-cost and premium rating factors, run the math in the open so you can follow it, and cross-check each point against the coverage language on real policies. When a figure is an estimate rather than a fixed price, we label it that way, because sizing coverage and buying it are two different steps.
Editorial standards
- Every figure is labelled as an illustrative estimate, never presented as a quote or as advice.
- Estimator math is shown in full so you can check the numbers yourself.
- We build from published replacement-cost and premium rating factors, not guesswork.
- Where a quote link is an affiliate link, we say so plainly, and the estimators never depend on you clicking it.
- Notes are written in plain English and updated when the coverage picture changes.
Get in touch
Spotted something that reads wrong, or want a topic covered? Email [email protected] and it reaches the team behind these notes.