Insurance Needs Calculator

What it costs to be covered — and where you are not

Insurance is easy to overpay for and easy to under-carry. This insurance calculator totals your monthly premiums across health, life, disability, auto, and home, then runs a coverage check showing which of the five core types you actually hold — and which you are missing.

A coverage check, not just a bill

Adding up premiums is the easy half. The harder question is whether you are covered at all. The five-point check flags gaps — say, no disability cover — so you see your exposure, not only your cost.

Auto and home come in automatically

Your auto premium flows in from the Transport calculator and your homeowners premium from Mortgage, so the total reflects everything without re-entry.

Employer plans count

A workplace policy you pay little or nothing for still counts as coverage — enter it at its real cost, even $0, and it registers in the check.

Right-sized, not just present

Coverage is a balance: too little leaves a costly gap, too much drains money you could use elsewhere. Seeing premiums and the five-point check together is meant to surface both problems — an exposure with no policy, or a stack of overlapping ones — so your protection matches your actual life.

Frequently asked questions