Why Cash is King
Insurance events are inherently stressful. Having liquid cash available removes the secondary stress of financing repairs. This allows you to focus on restoration rather than interest rates.
Estimate how much cash you may need on hand for homeowners insurance deductibles and repair gaps.
This tool focuses on short-term cash needs after a home incident, not total repair cost.
Not all repairs are fully covered, even with insurance.
Market value of your primary residence.
Amount you pay out-of-pocket before insurance kicks in.
Estimated cost of non-covered repairs or upgrades required during rebuilding.
Multiplies the fund to account for overlapping risks.
Your current available cash for emergencies.
This reflects a realistic cash need after a home insurance event.
Analyzing your reserves...
Calculating the difference...
Backup credit can help but may increase financial risk.
Relying on high-interest credit lines for deductibles can turn a one-time incident into a multi-year debt cycle.
Your total immediate liability in a severe event.
Insurance events are inherently stressful. Having liquid cash available removes the secondary stress of financing repairs. This allows you to focus on restoration rather than interest rates.
Most homeowners only budget for their deductible. However, "actual cash value" policies or non-covered maintenance issues discovered during a claim can create a significant financial gap.
Our tool doesn't sell policies. It provides a mathematical framework to help you understand the tradeoffs between your insurance premiums and the cash reserves needed to support them.
Compare how increasing your deductible lowers your monthly cost versus your total risk.
Launch ToolModel the likelihood of different claim types based on your geographic location and property age.
Launch ToolDetermine if filing a small claim is worth the potential premium increase over the next 3-5 years.
Launch Tool