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One membership: every in-depth guide, plus the Deal Workspace. Templates are sold separately and bought once — see below.
Every in-depth guide across Mortgage, Insurance, Investment, Salary, Rent and Budget, plus the Deal Workspace — our per-property case file for tracking a purchase from pre-approval to closing.
- Every in-depth guide, across every category
- Deal Workspace — per-property case file, multi-deal comparison, and buying-journey checklist
- Unlimited saved calculations
- The full article library, always free
Total Home Insurance Template
$34.99All four insurance worksheets, each with its own combined Tips & FAQs tab, plus offline versions of all five of the site's insurance calculators — fourteen tabs in one workbook with an index that jumps straight to any of them. The coverage audit, claim log, home inventory and renewal tracker, and working premium-estimator, replacement-cost, coverage-check, deductible-comparison, and renewal-check calculators. The five calculator tabs are only available here. Every state-varying figure is left blank rather than hardcoded, because an average baked into a file on your disk goes stale where nobody can correct it — the free pages on the site carry the sourced, cited number.
- Index tab
- Home insurance coverage audit, plus a combined Tips & FAQs tab
- Home insurance claim log, plus a combined Tips & FAQs tab
- Home inventory, plus a combined Tips & FAQs tab
- Renewal & quote comparison tracker, plus a combined Tips & FAQs tab
- Premium estimator
- Replacement cost & coinsurance calculator
- Full policy coverage check
- Deductible comparison calculator
- Renewal increase check
Format: Excel (.xlsx)
Look inside
Preview only — scroll to read it. The file you download is fully editable.
| Total Home Insurance Template | |
| Both CalculatorByState insurance worksheets plus offline copies of all five insurance calculators, in one workbook. Click a name below to jump straight to a tab, or use the tabs along the bottom of the window. Each tab works on its own; nothing here depends on you filling in another tab first. Blue… | |
| Worksheets | |
| ƒx | Walk your declarations page line by line, check Coverage A against a real rebuild estimate, and see the 80% coinsurance penalty and your percentage catastrophe deductible in actual dollars. |
| ƒx | The record a claim is actually decided on — every contact, every damaged item, every additional living expense, and every milestone date, with the totals kept for you. |
| ƒx | The list you cannot make after a fire — room by room, priced at replacement cost, checked live against the per-category sub-limits inside Coverage C that decide whether your jewelry is covered for $2,000 or for what it is worth. |
| ƒx | Your renewal increase against the state's published change, then four quotes on identical rows — with the deductible exposure a cheaper premium bought you priced in, because the lowest premium is routinely not the lowest cost. |
| Calculators | |
| Offline versions of the free calculators on calculatorbystate.com. | |
| ƒx | Your state's published average premium scaled to the coverage you actually want, plus whether what you pay now is out of line. |
| ƒx | What it would cost to rebuild, whether your dwelling limit clears the 80% coinsurance threshold, and what a shortfall costs on a partial claim. |
| ƒx | All six limits against the ISO standard form's own percentages - including the liability limit that passes every check and is still the biggest exposure on the policy. |
| ƒx | What your percentage storm deductible comes to in dollars, and whether raising your all-perils deductible is worth the exposure. |
| ƒx | Whether your renewal increase outran the state's published change, and what the increase costs if it sticks. |
| Every figure that varies by state is left blank for you to fill in from the free pages on calculatorbystate.com, where it is sourced and cited. A workbook cannot know which state you are in, and an average hardcoded into a file on your disk goes stale where nobody can correct it. | |
| These worksheets are general planning tools, not financial, tax, or legal advice. Every figure you get out of them depends on the figures you put in — confirm real numbers with your lender, insurer, or advisor. For sourced, state-by-state data, see calculatorbystate.com. |
This template is general information, not financial, legal, or tax advice.