Insurance claim and deductible calculators
Compare a claim’s estimated payout with user-provided costs, explore deductible tradeoffs, and make a simple home coverage inventory.
Calculators
Claim cost calculator
Compare an insurance payout with your own premium increase, lost discount and other costs to see the break-even loss. A neutral claim calculator, not advice.
Deductible break-even calculator
Compare a higher deductible with annual premium savings: extra cost per claim, years to offset, break-even claim probability and an emergency fund check.
Replacement cost and coinsurance
Estimate home rebuilding cost, a required coverage level, any shortfall and a sample loss payment from your own square footage, cost per foot and limit.
Home contents inventory
Add up replacement value and an illustrative depreciated value for belongings, then compare a simple suggested limit with your current personal property limit.
Featured guides
Should You File a Car Insurance Claim? The Math and the Caveats
See how to weigh a car repair estimate against your deductible, possible premium effects and policy rules, with hypothetical numbers and questions to ask.
Is Raising Your Deductible Worth It?
Weigh annual premium savings against a higher deductible using break-even years, a break-even claim probability and an emergency fund check with examples.
Renters Insurance and Your Contents Inventory
Build a home contents inventory step by step, compare ACV and RCV coverage on belongings, spot special limits and size a personal property limit.
Year-End Insurance Review Checklist
Use a year-end checklist to gather declarations pages, compare deductibles with savings, update your inventory and check dwelling limit and flood coverage.
How we work
Figures in each calculator come from you. We show the arithmetic and its assumptions; we do not predict a carrier’s premium decision or interpret your contract. ClaimCheck is an independent publisher, not an insurer, agent, adjuster or law firm. These pages provide general education, not insurance, legal, tax or financial advice. State laws and policy forms vary; flood and earthquake are separate coverages.
Frequently asked questions
What calculators does ClaimCheck offer?
ClaimCheck has four calculators: one that compares an estimated payout with the costs of filing, a deductible break-even tool, a home replacement cost and coinsurance tool, and a home contents inventory tool. Each one works only from the numbers you enter.
Does ClaimCheck tell me whether to file a claim?
No. The claim calculator compares the amounts you type in and reports whether filing comes out ahead or behind on those numbers. It does not account for coverage questions, liability, or duties in your policy, and the site never tells a reader to file or not to file.
Is ClaimCheck an insurer, agent, adjuster or law firm?
No. ClaimCheck is an independent educational site. It does not sell insurance, adjust claims or give legal advice, and it is not affiliated with any insurer.
Why do I have to enter the premium effect myself?
The size and length of a premium change after a claim vary by insurer and state, and whether a particular claim counts at all can differ. ClaimCheck does not estimate a surcharge. Ask your insurer or agent what the effect would be on your policy.
Where do ClaimCheck explanations come from?
Guides draw on consumer resources from Triple-I (the Insurance Information Institute), the NAIC, FEMA FloodSmart and the LexisNexis Consumer Disclosure page. Your own policy wording and state rules still control what applies to you.