This flow is optimized for humans. Agents should use Coverage Cat MCP or the developer portal.

Insurance calculators

Choose a calculator to compare prices, evaluate coverage, or model claim decisions.

Auto insurance estimates Compare estimated monthly premiums by carrier, driver profile, and vehicle. Collision and comprehensive coverage Estimate whether collision and comprehensive coverage are worth the added cost. File a claim Compare filing a claim versus paying out of pocket over the next several years. Home insurance calculator Estimate homeowners insurance ranges and explore risk context by California ZIP. Umbrella insurance calculator Estimate umbrella insurance pricing by limit and liability-risk profile. Homeowners agent finder Find licensed homeowners agents and agencies in California and Texas. Umbrella coverage limit planner Compare how much umbrella coverage to consider from net worth, independently confirmed protected assets, an optional income allowance, and the lowest applicable underlying liability limit. Returns the arithmetic target, additional limit needed, and $0/$1M/$2M/$3M/$5M/$10M scenarios. This is planning, not a quote or a determination of legally exposed assets. Umbrella underlying limit checker Check an auto, homeowners, renters, or rental-property policy against the underlying liability requirements stated in a specific umbrella quote. Supply requirements from that quote, not assumed carrier minimums. Missing current limits stay unknown. Returns each required increase separately; it does not determine claim payouts or eligibility. Standalone umbrella vs. bundle calculator Compare the total cost of keeping existing home and auto insurance with standalone umbrella coverage versus moving all three to a bundle. Enter annual net premiums, required underlying-limit upgrades, and one-time switching cost. Returns first-year and multi-year totals, savings, and the first whole break-even year. Flags unverified coverage comparability; no carrier prices are invented.