Protect What Matters
Insurance isn’t about worry or luxury. It’s about security, clarity, and having a plan that protects what you care about most. The Essential Coverage Planner helps you estimate how much coverage your household needs — using only financial‑household inputs, no personal identifiers, and all calculations in your browser.
Essential Policies for Every Household
Insurance doesn’t have to be confusing. We’ve simplified the essentials into three key areas so you can quickly understand what matters, why it matters, and how to protect the people and things you care about most.
Protect Your Loved Ones
Life insurance ensures your family can cover living expenses, debt, and future goals like college or retirement if the unexpected happens. It replaces lost income and provides peace of mind that loved ones are protected.
Safeguard Your Biggest Assets
Home and auto insurance protect the property you rely on daily. From accidents and natural disasters to liability incidents, these policies cover repairs, replacement, and liability costs — keeping you financially secure.
Shield Your Assets Beyond the Basics
Umbrella insurance provides extra liability coverage above standard policies. It protects your net worth from major lawsuits or catastrophic claims, giving you a financial safety net when it matters most.
How To Use The Calculator
Personalized Coverage Recommendations
Get a clear, category-by-category estimate for life, home & auto, and umbrella insurance tailored to your household.
Actionable Insights for Planning
Use your results to guide conversations with insurance professionals or to adjust your protection strategy.
Identify Gaps & Overlaps
See where you might be under-insured or overpaying, helping you make smarter, efficient coverage decisions.
Privacy-First, Easy to Use
All calculations happen in your browser — no personal info required, and results are easy to understand at a glance.
Frequently Asked Questions
What does this tool calculate?
It provides an estimate of the minimum life, home & auto, and umbrella insurance your household may need, factoring in income replacement, debts, dependents, and other obligations.
Do I need to enter personal information?
No. The calculator runs entirely in your browser — no names, addresses, or sensitive personal info are required.
Can I trust the results?
The tool gives estimates based on your inputs. It’s designed to guide planning and discussions with a licensed insurance professional, not replace personalized advice.
Why does the calculator recommend a minimum coverage for my household?
The app provides a baseline level of protection to ensure your family could cover income, debts, and essential obligations in a worst-case scenario. It focuses on the minimum coverage needed — helping you avoid underinsurance without overpaying.
How should I use these results?
Use the results as a baseline for planning, shopping for insurance, or reviewing your existing policies. Consider revisiting the tool after life changes like marriage, children, or a new home.
Can I adjust assumptions like income replacement years or risk tolerance?
Yes. You can customize replacement years, risk tolerance, and optional coverage items to match your household goals and values.
Want to turn projections into action?
We’ll help you understand your numbers, prioritize steps, and create a roadmap that makes your money work smarter for you.
This calculator is for educational purposes only. It’s not financial advice. Results are estimates and may vary based on real-world factors. Consult a qualified advisor before making investment or retirement decisions.