Calculators
Find your coverage deadline, estimate a premium, or price your state’s insurer of last resort. Every tool says which states it covers — and where a state has no tool yet, this page says so.
When does my coverage actually end?
- Non-renewal deadline calculator
Enter the date on your notice and get the exact date your coverage lapses, with a countdown checklist.
CAFLLAMATX
Roughly what will coverage cost?
- North Carolina rate & notice calculator
Approved 2025 and 2026 base-rate changes for your county, which last-resort program applies, and a notice-date check against NCDOI guidance.
NC - California home insurance calculator
A budgeting range for a full homeowners policy by rebuild cost, wildfire exposure, deductible and mitigation.
CA
What would my state’s last-resort plan charge?
- California FAIR Plan premium calculator
A FAIR Plan premium range by coverage amount and risk tier — plus the DIC wrap the official calculator leaves out.
CA - Texas FAIR Plan (TFPA) premium calculator
A TFPA premium estimate by coverage amount and area cost tier, and whether you also need a TWIA policy for wind and hail.
TX
Calculators for your state
California
- Non-renewal deadline calculator
Enter the date on your notice and get the exact date your coverage lapses, with a countdown checklist.
- California home insurance calculator
A budgeting range for a full homeowners policy by rebuild cost, wildfire exposure, deductible and mitigation.
- California FAIR Plan premium calculator
A FAIR Plan premium range by coverage amount and risk tier — plus the DIC wrap the official calculator leaves out.
Florida
- Non-renewal deadline calculator
Enter the date on your notice and get the exact date your coverage lapses, with a countdown checklist.
There is no Coverage Clock cost calculator for Florida yet. We publish one only when a defensible, Florida-specific method exists — see the Florida page for current pricing context and the state program’s own resources.
Louisiana
- Non-renewal deadline calculator
Enter the date on your notice and get the exact date your coverage lapses, with a countdown checklist.
There is no Coverage Clock cost calculator for Louisiana yet. We publish one only when a defensible, Louisiana-specific method exists — see the Louisiana page for current pricing context and the state program’s own resources.
Massachusetts
- Non-renewal deadline calculator
Enter the date on your notice and get the exact date your coverage lapses, with a countdown checklist.
There is no Coverage Clock cost calculator for Massachusetts yet. We publish one only when a defensible, Massachusetts-specific method exists — see the Massachusetts page for current pricing context and the state program’s own resources.
North Carolina
- North Carolina rate & notice calculator
Approved 2025 and 2026 base-rate changes for your county, which last-resort program applies, and a notice-date check against NCDOI guidance.
Texas
- Non-renewal deadline calculator
Enter the date on your notice and get the exact date your coverage lapses, with a countdown checklist.
- Texas FAIR Plan (TFPA) premium calculator
A TFPA premium estimate by coverage amount and area cost tier, and whether you also need a TWIA policy for wind and hail.
How these calculators work
Every calculator runs entirely in your browser: no form submission, no account, nothing stored or sent. Each one models published reference data — statewide averages, a program’s published rates, cited worked examples — and shows its method on the page. None of them is a quote, and none uses an insurer’s filed rates. How calculators are built and reviewed →