About this project
How the estimator works
We generate a directional premium estimate from three building blocks:
- National baseline — a starting point for annual premium.
- State multiplier — adjusts for each state’s average relative pricing.
- Risk factors — coverage level, deductible, roof age/material, claims history, and location risk.
Mathematically, the estimate is baseline × state × product of factor multipliers. You can review and edit these numbers in /assets/app.js.
Data sources & assumptions
For transparency, state multipliers are placeholders initially set to 1.00 each. Replace them with your vetted benchmark (e.g., NAIC HO‑3 statewide indices) to get closer to market reality. We publish our method on the Sources page.
Accuracy & limitations
- Educational only: This is not a quote. Actual premiums depend on underwriting, rating territories, construction, protection class, and carrier rules.
- Not a guarantee: Even with accurate multipliers, carriers price risks differently. Treat outputs as ballpark guidance.
- Factors evolve: Wind/hail and wildfire exposures change over time. Keep inputs (especially state multipliers) up to date.
Tips for using the tool
- Start on your state page; we auto‑select the state.
- Try two coverage tiers (e.g., $250k vs $350k) and two deductibles ($1k vs $2.5k) to see the tradeoff.
- Be realistic about roof age and claims — they move the estimate the most after coverage/deductible.
- Use the monthly figure for budgeting; keep the annual for comparisons.
Privacy & tracking
All calculations run in your browser. We use Google Analytics and AdSense. Consent Mode v2 lets you opt in or continue without consent. See our Privacy Policy.
FAQ
Can I use this to shop carriers?
Use it to set expectations and prep questions. For quotes, speak with licensed agents and compare policy forms, not just price.
Where do the multipliers come from?
You (or we) can populate them from public summaries like NAIC or your own research. See Sources.
Why is my state so different?
Catastrophe exposure (wind, hail, wildfire), cost of construction, and legal environment vary widely. Multipliers capture that.
Glossary
- Coverage A: Dwelling coverage amount.
- ACV: Actual cash value (depreciated) settlement.
- Open perils: Covered unless excluded.
- Named perils: Only listed causes of loss are covered.
Change log
- 2025‑08‑29: Rebuild launch; anchor navigation fixed; About expanded with methodology and FAQ.
Contact
Email us at everydayroyalties@gmail.com.