Homeowners Insurance Estimator

Terms

Educational estimates only. Actual premiums depend on underwriting and carrier-specific rules. Verify numbers with licensed agents.

Acceptance of terms

By accessing this website, you agree to these Terms of Use and to our Privacy Policy. If you do not agree, please do not use the site.

License & permitted use

We grant you a limited, non‑exclusive, non‑transferable license to access and use the site for personal, non‑commercial purposes. You may not copy, scrape, frame, resell, or reverse engineer our content or code without prior written consent.

Estimator & content

Our homeowners insurance estimator provides educational estimates based on your inputs and general assumptions. Results are not quotes, offers, or guarantees of coverage or price. Always confirm with licensed carriers or agents before making decisions.

Disclaimers & limitation of liability

The site and its content are provided “as is” without warranties of any kind. To the maximum extent permitted by law, we disclaim all liability for any damages arising from your use of the site, including reliance on estimates or third‑party links.

User responsibilities

Third‑party links & ads

We may link to third‑party sites or display third‑party ads. We do not control or endorse third‑party content and are not responsible for their practices or policies.

Changes

We may modify these Terms at any time by posting an updated version on this page. Continued use of the site constitutes acceptance of the revised Terms.

Contact

Questions about these Terms? Email everydayroyalties@gmail.com.

No Legal, Tax, or Insurance Advice

Nothing on this site should be treated as personalized legal, tax, or insurance advice. The examples and explanations are general in nature and may not reflect the rules or products available in your exact location. Before you bind coverage or make major decisions, review the actual policy documents from your carrier and consider speaking with a licensed professional.

Your Responsibility When Relying on Estimates

Estimates on this site are educational and may not match the pricing or underwriting decisions of any specific insurer. It is your responsibility to review actual quotes, declarations pages, and policy contracts carefully before you choose coverage. Use the numbers here as a starting point, not as a guarantee of eligibility or price.

Changes to the Estimator and Content Over Time

As insurance markets evolve, we may adjust example ranges, revisit assumptions, or add new topics. These changes are intended to keep the educational material relevant, but they also mean that screenshots you saved months ago might not match the current version exactly. When making decisions, rely on the most recent visit rather than older copies of the tool.

Jurisdiction and Applicable Law

Because insurance is regulated at the state level, the examples and descriptions on this site may not align perfectly with the rules in every jurisdiction. Any disputes about site use, where applicable, would be interpreted under the laws and regulations referenced in the full terms, not under the assumptions or scenarios described in educational content.

Third-Party Offers and External Tools

From time to time, this site may reference other calculators, quote tools, or educational resources hosted by third parties. Those tools are provided for convenience and do not imply endorsement or control. Any offers, prices, or features they present are governed by their own terms, not by the conditions described on this site.

Educational Purpose of the Estimator and Guides

All tools and explanations on this site are designed for general education. They do not replace carrier filings, official policy forms, or individualized recommendations from licensed professionals. Treat what you see here as a framework for asking better questions rather than as a final decision-making engine.

A Simple Checklist for Using This Site Responsibly

Before acting on any estimate or idea, confirm that you have read your actual policy documents, checked the effective dates and limits on your declarations page, and consulted a licensed professional when needed. These steps ensure that the educational material here serves as a helpful supplement rather than a substitute for formal advice and binding contracts.

Changes in Law and Market Conditions

Laws, regulations, and market practices in home insurance can shift over time. When that happens, content on this site may lag temporarily behind the latest developments. You should always rely on up-to-date documents from your carrier and state regulator if you see any conflicts between those materials and the examples described here.

No Guarantee of Continuous Availability

Although we work to keep this site accessible, there may be periods of downtime for maintenance, updates, or technical issues. You should not rely on the site as your sole source of information in time-sensitive situations, especially during or immediately after a loss event.