The Gap Between Policy and Reality
Standard homeowners insurance provides a baseline of protection, but specific disasters—like floods or earthquakes—are typically excluded or require separate endorsements.
Understand which natural and environmental risks matter most for your home.
This tool highlights exposure patterns, not the likelihood of a specific event.
Real-time analysis based on your property profile.
Insurance decisions are often made without visibility into tradeoffs. This platform exists to make costs and risk explicit.
Standard homeowners insurance provides a baseline of protection, but specific disasters—like floods or earthquakes—are typically excluded or require separate endorsements.
Every dollar of your deductible is risk you are choosing to carry yourself. Lowering premiums by raising deductibles only works if you have the cash reserves to cover the gap.
A claim doesn't just cost your deductible; it can lead to premium surcharges or loss of "claim-free" discounts that persist for 3-5 years after the event.
We don't sell policies. Our goal is to provide the analytical framework you need to decide which risks to transfer to an insurer and which to retain yourself.
Visualize how changing your deductible affects your annual premium and total potential out-of-pocket cost.
Calculate the precise cash reserve needed to safely self-insure your specific homeowners policy deductibles.
Analyze whether filing a specific claim is mathematically sound when considering deductibles and future surcharges.