Frequently Asked Questions

No. Our calculators provide educational estimates based on industry averages and regional data. They are NOT actual insurance quotes. Real quotes require a full application with a licensed insurance provider who will assess your specific risk factors, conduct inspections, and review your complete history.

Yes, completely free! All our calculators, guides, and educational content are available at no cost. There are no hidden fees, no premium features, and no paywalls. We don't even require you to create an account.

Our calculators use industry-standard formulas and state-specific average data, making them reasonably accurate for general estimates. However, actual premiums can vary significantly based on factors we can't account for, such as your credit score, claims history, specific property features, and individual insurance company pricing models. Use our estimates as a starting point, not a final answer.

No. We are NOT an insurance provider, broker, or agent. We don't sell insurance policies, and we don't connect you with insurance companies. We're purely an educational resource designed to help you understand home insurance costs and coverage options.

No account needed! You can use all our calculators and access all our content without signing up, logging in, or providing any personal information.

We do NOT collect personal information. We use basic analytics cookies (like Google Analytics) to understand how visitors use our site, but we don't track individual users or collect names, addresses, phone numbers, or any personally identifiable information. See our Privacy Policy for details.

We display advertisements (Google AdSense) on our site. This allows us to keep all our tools and content free for users. We do not receive commissions from insurance companies, and our content is not influenced by advertisers.

Yes! Our entire website is mobile-responsive and works great on smartphones and tablets.

We use publicly available data from insurance industry reports, state insurance departments, and national averages published by organizations like the National Association of Insurance Commissioners (NAIC) and Insurance Information Institute (III).

Use our estimates as a baseline, then contact multiple licensed insurance providers to get actual quotes. Compare coverage details, not just prices. Read policy documents carefully and ask questions about anything you don't understand.