Calculator type
Insurance Calculators
Florida wind, flood, four-point, replacement-cost, and specialty insurance calculators.
23 calculators across 4 jurisdictions and clusters
HOA, Condo & Legal
Florida Insurance
Florida 4-Point Inspection Cost & Eligibility Calculator
Estimate whether your Florida home needs a 4-point inspection, what it will cost (typical range $75-$175 statewide), and how each major component — roof, electrical, plumbing, HVAC — is likely to be graded by your carrier. Carrier-class age thresholds (30+ years for Citizens and strict admitted-market carriers; 40+ for most other admitted carriers; 25+ for surplus lines) determine when the inspection is required. Component-life rules drive a Pass / Conditional / Decline verdict — FPE/Zinsco/Challenger panels and polybutylene plumbing are automatic declines across the Florida market.
Florida Insurance
Florida Auto Insurance Coverage Calculator (PIP, PD, BI, UM/UIM)
Estimate a Florida private-passenger auto insurance premium across the statutorily-mandated PIP and PD coverages and the practically-required BI and UM/UIM coverages. Florida is a no-fault state under F.S. § 627.736 — the statutory floor is PIP $10,000 + PD $10,000, and Bodily Injury Liability is not required by state mandate (Florida is one of only two states without a BI minimum as of 2026, after Governor's veto of the 2024 HB 1573 no-fault repeal). The calculator models the statutory-minimum premium, the agent-recommended 100/300 BI premium, stacked UM (default unless rejected in writing under F.S. § 627.727), full coverage with collision and comprehensive, the compliance verdict, and the F.S. § 627.737 tort-threshold note that governs when a Florida driver can sue.
Florida Insurance
Florida Boat Insurance Calculator
Estimate an annual Florida boat insurance premium from hull value, vessel length, use type, storage type, and hurricane zone — then compare against the typical Florida market range. Florida is the highest-density recreational-boating state, with roughly 1,000,000 registered vessels; boat insurance is not state-mandated under F.S. § 327, but USCG-documented vessels (46 CFR Part 67), marina dock contracts, and lender mortgages almost universally require liability and hull coverage. Hull rates band by Florida hurricane zone (Tier 1 coastal SE, Tier 2 GoM, Tier 3 NE Florida, Inland) and storage type (in-water, lift, dry-storage, trailered). A documented hurricane haul-out plan filed with the carrier yields a 5%-15% premium reduction on the hull portion.
Florida Insurance
Florida Commercial Auto Insurance Calculator
Estimate a Florida commercial auto insurance annual premium across the GVW classes, the use-type class codes, the BI per-accident limits, the hazmat loading under F.S. § 320.0822, the Florida coastal-tier loading, and the optional physical-damage adder. Florida commercial auto rate filings sit under F.S. § 627.0651 and are reviewed annually by Florida OIR. F.S. § 627.7415 permits the combined-single-limit option for commercial fleets. F.S. § 320.02 sets the commercial-vehicle financial-responsibility floor at BI $25,000 per person / $50,000 per accident plus PD $10,000. Interstate for-hire motor carriers must carry the federal MCS-90 endorsement under 49 C.F.R. § 387 with minimums ranging from $750,000 for general freight to $5,000,000 for certain hazmat classes — and the calculator surfaces the applicable MCS-90 floor for every heavy long-haul-trucking quote.
Florida Insurance
Florida Flood Insurance Premium Estimator (NFIP Risk Rating 2.0)
Estimate your Florida flood insurance premium under FEMA's Risk Rating 2.0 methodology (effective October 2021). The new pricing reflects property-specific flood risk — distance to water, first-floor elevation, foundation type, replacement cost, and prior claims — rather than the blunt zone-based legacy rates. This planning estimator produces a low / typical / high range, breaks the premium into structure / contents / fees / surcharges, models the 18% statutory glidepath cap under 42 U.S.C. § 4015(e), and surfaces the savings potential of filing an Elevation Certificate. Anchored to 42 U.S.C. § 4001, FEMA Risk Rating 2.0, F.S. § 627.715, and the FEMA Flood Insurance Manual.
Florida Insurance
Florida HO-6 Loss-Assessment Coverage Sizing Calculator
Florida condo unit owners learned the hard way after Hurricane Ian: an HO-6 policy with $10,000 of loss-assessment coverage is not enough when the master policy's hurricane deductible is a 5% slice of a $50M building. F.S. § 718.111(11)(d) makes that deductible a common expense, allocated by share percentage; this calculator sizes the HO-6 loss-assessment limit you should carry to absorb both your hurricane-deductible share and a buffer for non-hurricane special assessments. Output: a target HO-6 loss-assessment limit and the gap if you're currently underinsured.
Florida Insurance
Florida Hurricane Catastrophe Fund Reimbursement Calculator
Compute the Florida Hurricane Catastrophe Fund (FHCF) per-event reimbursement, aggregate season reimbursement, insurer net retained loss, and the FHCF's downstream contribution to the consumer windstorm premium under F.S. § 215.555. The FHCF is the state-mandated reinsurance pool that every admitted Florida residential property insurer (and Citizens) is statutorily required to participate in — its three-layer reimbursement structure (90% / 75% / 45%) above each insurer's per-event retention is the single largest reason Florida residential premiums are not even higher than they already are. Anchored to F.S. § 215.555, F.S. § 215.555(4)(b) retention math, F.S. § 215.555(4)(c) program-capacity cap, and SBA FHCF Annual Reports 2024-2026.
Florida Insurance
Florida Hurricane Deductible Buy-Back Rider Calculator
Quantify the annual cost and multi-year ROI of a Florida hurricane deductible buy-back rider — the optional endorsement that lowers a 10% or 5% percentage-of-Coverage-A hurricane deductible to a smaller percentage or to a flat $2,500 figure. F.S. § 627.0625 sets the deductible structure but does not regulate buy-back pricing; carriers price buy-backs competitively in Florida OIR rate filings, typically 5%-25% of windstorm premium depending on the depth of the buy-back. This calculator estimates the rider premium, the avoided per-event out-of-pocket, the probability-weighted ROI over the ownership horizon, and the separate liquidity case for households that cannot write the larger deductible check on demand.
Florida Insurance
Florida Hurricane Deductible Calculator
Quantify your Florida hurricane deductible in dollar terms — and the trade-off between higher deductible and lower windstorm premium. Florida law (F.S. § 627.0625) requires a separate hurricane deductible computed as a percentage of dwelling Coverage A, not the loss amount. For a $400K dwelling at a 5% deductible, the per-event out-of-pocket is $20,000 before the carrier pays anything. This calculator compares the 2% statutory minimum, 5%, 10%, and flat-$2,500 options on dollar-deductible, net claim payment, and annualized premium.
Florida Insurance
Florida Hurricane Shutter & Impact Glazing ROI Calculator
Quantify the payback period and lifetime ROI of installing hurricane-rated opening protection on a Florida property. Florida's wind-mitigation discount under F.S. § 627.0629 grants a substantial premium reduction for impact-rated glazing or TAS-tested hurricane shutters. This calculator computes install cost, annual windstorm-premium savings, simple payback, 5/10/20-year cumulative ROI, and NPV at a user-entered discount rate — and compares storm panels (cheapest) vs accordion shutters (mid) vs roll-down shutters vs impact glazing (premium) head-to-head.
Florida Insurance
Florida Insurance Agent E&O Calculator
Estimate the total annual Errors & Omissions (E&O) insurance premium for a Florida insurance licensee or agency under F.S. Chapter 626. Florida does not statutorily mandate E&O — Chapter 626 is silent — but virtually every major appointing carrier (State Farm, Allstate, Travelers, Progressive, Nationwide, Chubb, Hartford, Citizens, AIG) requires a minimum $1M per-claim / $3M aggregate E&O policy as a precondition of issuing or maintaining an agent appointment. The calculator prices a 2-20 General Lines (P&C), 6-20 General Lines (health), 2-15 life agent, or multi-class licensee, compares the per-agent individual-policy stack against an agency-wide policy, applies the PIA Florida / IIABA Florida statewide group plan discount (typically 15%), models the post-Ian (2022) and 2024-season coastal-Florida P&C underwriting tightening at a 1.4x coastal loading, and surfaces the cheaper structure with a plain-English recommendation.
Florida Insurance
Florida Insurance Bad Faith Damages Calculator
Estimate the bad-faith damages exposure of a Florida insurance carrier under F.S. § 624.155 (statutory civil remedy against an insurer) and F.S. § 626.9541 (Unfair Insurance Trade Practices Act), including the parallel common-law third-party bad-faith doctrine (Boston Old Colony, Berges, Harvey) that makes a carrier liable for the full excess judgment when it rejects a within-limits settlement offer. Florida bad-faith practice is anchored to the mandatory 60-day Civil Remedy Notice (CRN) under F.S. § 624.155(3): the claimant files a CRN with the Florida Department of Financial Services, serves a copy on the insurer, and the insurer has 60 days to cure. HB 837 (2023) tightened the CRN particularity requirement and codified a mere-negligence safe harbor — mere negligence alone is insufficient to constitute bad faith. The calculator reads the CRN cure-window status, computes the excess-judgment exposure under the common-law theory, surfaces the statutory total-damages measure under F.S. § 624.155(8) (including attorney's fees and costs), and emits a recommendation (serve CRN, await cure, close file, file suit, or retain counsel on excess judgment).
Florida Insurance
Florida Notary Bond & E&O Cost Calculator
Estimate the full cost to become or renew a Florida notary public under F.S. Chapter 117 — the mandatory $7,500 surety bond required by F.S. § 117.01(7), the Department of State filing fee and any county surcharge, the seal and journal required by F.S. § 117.05, the optional Errors & Omissions insurance that protects the notary personally (the $7,500 bond protects the public, not the notary), and the optional Remote Online Notarization (RON) registration and platform subscription enabled by F.S. § 117.201-.305. The calculator surfaces total upfront cost, four-year cost across the F.S. § 117.01(2) commission term, an annual income projection against the F.S. § 117.05(2)(b) $10-per-signature statutory cap, and the RON setup ROI multiple for notaries weighing the platform-fee uplift.
Florida Insurance
Florida Personal Umbrella Insurance Calculator
Size a Florida personal umbrella policy and estimate its annual premium. A personal umbrella sits above the auto Bodily Injury Liability limit and the homeowner's personal liability limit and pays third-party liability claims after the underlying limits are exhausted. Florida households face elevated liability exposure under the F.S. § 627.737 tort-threshold framework, the F.S. § 627.727 UM offering rule, and the well-documented gap in Florida Constitution Art. X § 4 homestead protection that does not shield the homestead from a personal-injury tort judgment. The calculator computes the rule-of-thumb recommended limit (net worth + 10 years of gross income), estimates the annual premium by tier ($1M / $2M / $5M / $10M) with Florida-specific risk loads for boat owners, pool owners, young drivers, and prior at-fault claims, and reads two structural verdicts — whether underlying limits meet typical carrier requirements, and whether the umbrella is large enough to protect current and future assets.
Florida Insurance
Florida Personal Watercraft (Jet Ski) Insurance Calculator
Estimate an annual Florida personal-watercraft (PWC / jet ski / WaveRunner / Sea-Doo) insurance premium from hull value, model year, use type, operator age, prior accident history, F.S. § 327.395 boating safety course completion, liability limit, theft coverage, towing rider, and storage type. Florida has the highest density of registered PWCs in the United States and the highest PWC injury rate per the FWC Boating Accident Statistical Report, which is what shapes the standalone-PWC-policy market — typically $200-$700/yr depending on hull value, coverage, and storage. F.S. § 327 does NOT impose a state mandate for PWC liability insurance (parallel to the Florida boat-insurance posture), but lenders, marina dock contracts, and the typical homeowner's-policy PWC-exclusion drive most owners to a standalone policy. The F.S. § 327.395 boating safety course is a Florida statutory requirement for operators born on or after January 1, 1988 and is a meaningful underwriting discount across the Florida PWC market.
Florida Insurance
Florida PIP Coverage Calculator
Estimate what Florida Personal Injury Protection (PIP) — the no-fault coverage required on every Florida-registered private-passenger auto under F.S. § 627.736 — actually pays on a specific accident. The calculator applies the $10,000 PIP limit, the EMC vs non-EMC medical bifurcation introduced by 2012 HB 119 (full $10,000 with an Emergency Medical Condition determination by a licensed provider; $2,500 sub-limit without), the 80% medical coinsurance (with 20% patient out-of-pocket), the 60% wage-loss benefit, the 80% replacement-services benefit per (1)(b), the F.S. § 627.739 optional $0 / $250 / $500 / $1,000 deductible, the separate $5,000 death benefit under (1)(c), and the F.S. § 627.736(1)(a) 14-day treatment-window forfeiture rule. Surfaces total PIP paid, per-benefit breakdown, patient out-of-pocket coinsurance, remaining PIP limit, exhaustion status, and the F.S. § 627.737 permanent-injury tort threshold that gates a third-party suit against the at-fault driver for pain and suffering.
Florida Insurance
Florida Replacement Cost Value (RCV) Calculator
Size the Coverage A (dwelling) limit on your Florida homeowner's policy. RCV is the cost to rebuild the dwelling structure at current Florida material and labor prices — not the land, and not the market value. Florida-specific because coastal construction costs run 30%-50% higher than national averages post-2022, because the Florida HO-3 standard policy carries an 80% coinsurance clause that prorates partial-loss payouts on underinsured policies, and because the hurricane deductible is a percentage of Coverage A. This calculator estimates RCV from square footage, construction class, region, and features, flags underinsurance against the 80% coinsurance threshold, and quantifies the coinsurance penalty on a hypothetical partial loss.
Florida Insurance
Florida Reroof Wind-Mitigation ROI Calculator
Quantify the insurance-side ROI of bolting wind-mitigation upgrades onto a Florida residential reroof. A reroof is a once-in-20-30-year opportunity to upgrade three of the five wind-mit credit categories under F.S. § 627.0629 — roof deck attachment, roof-to-wall attachment, and secondary water resistance — at substantially reduced incremental cost. This calculator computes the baseline reroof cost, the incremental cost of each wind-mit upgrade, the resulting annual windstorm-premium savings, simple payback on the upgrade alone, 10/20/30-year cumulative ROI, and NPV at a user-entered discount rate. The reroof itself is treated as a sunk dollar — the ROI math is on the upgrade decision, not the reroof decision.
Florida Insurance
Florida Sinkhole Coverage Calculator
Decide whether to carry optional sinkhole loss coverage on your Florida homeowner's policy — or rely only on the statutorily-mandatory catastrophic ground cover collapse coverage. Florida law (F.S. § 627.706) bundles a narrow catastrophic-collapse trigger into every residential policy (~$30-$80/year, four-element trigger including a government condemnation order) and offers optional sinkhole loss coverage on top ($300-$1,500/year typical) covering structural damage without the four catastrophic-collapse elements. This calculator estimates premium for both options, quantifies the savings from rejecting (Form CFO-PI-2017), flags the F.S. § 627.707 geological-inspection hurdle to re-add coverage later, and frames the per-event exposure against the typical $50K-$300K settled-claim range. Sinkhole Alley (Hernando, Pasco, Hillsborough, Polk) is the highest-risk band; the rejection-vs-coverage trade-off plays out very differently there than in the Panhandle.
Florida Insurance
Florida Wind Mitigation Insurance Credit Calculator
Compute the Florida wind-mitigation insurance credit you qualify for under F.S. § 627.0629. The discount applies to the windstorm portion of your premium and is based on construction features documented on Florida OIR Form OIR-B1-1802. Stacked discounts can approach 60% of windstorm premium on the best-rated homes.
Operations & Business
Freelance Operations
Freelancer Health Insurance Deduction Calculator
Compute the self-employed health insurance deduction under 26 USC § 162(l). Surfaces the deductible premium amount (lesser of total premiums paid or SE net earnings under the § 162(l)(2)(A) earned-income limit), federal and state tax savings at the taxpayer's marginal rate, the savings advantage of the above-the-line § 162(l) deduction over an itemized § 213 medical-expense deduction (subject to the 7.5% AGI floor), and projected cumulative savings over 5 and 10 years.
Tree Service Operations
Arborist Licensure + Insurance Calculator
Build the fully-loaded arborist crew cost per hour from first principles: climber base wage, helper count and wage, NCCI class code 0106 workers-comp rate (one of the highest WC rates in the standard manual), SUTA rate, annual general liability and commercial auto premium, equipment depreciation allocation, ISA Certified Arborist cert maintenance, ANSI Z133 PPE replacement, and target billable utilization. Returns the payroll load factor, loaded payroll per hour, GL and commercial auto per hour, equipment depreciation per hour, compliance allocation per hour, the fully-loaded crew cost per hour, and the breakeven billable rate at target utilization — plus the WC class 0106 share of the labor stack, the single largest non-wage cost component for most tree-service operators. Tool, not advice — WC rates vary by state and experience modification.