Where to find your figures
Use the total premiums from your current declarations page and renewal offer. Match the policy term and check that the coverages, limits, endorsements, and fees are comparable.
Policy renewal U.S. insurance
What changed at renewal?
Put your current and renewal premiums side by side. See the dollar change, the percentage change, and what one covered claim could cost with each deductible.
Insurance Renewal Calculator
Enter figures from your policy, quote, or benefits summary.
Worked example
See what the numbers mean
A $1,440 annual premium rising to $1,800 increases by $360 per year, or 25%.
Insurance Renewal Calculator · renewalmath.com
The claim scenario assumes a covered loss large enough to use the full applicable deductible under either policy. The figures compare costs under your inputs. Review any coverage changes alongside the price.
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Behind the estimate
Method & sources
How the math works
Subtract the current premium from the renewal premium. Divide the change by the current premium for the percentage. For the optional claim scenario, add each full deductible to its term premium.
Worked example
A $1,440 annual premium rising to $1,800 increases by $360 per year, or 25%.
What this estimate covers
The claim scenario assumes a covered loss large enough to use the full applicable deductible under either policy. The figures compare costs under your inputs. Review any coverage changes alongside the price.
Source notes
Consumer guidance reviewed .
- NAIC · Understanding your homeowners policy
Where to find the policy period, premiums, limits, and endorsements.
- NAIC · Why insurance premiums increase
Questions to ask at renewal, including how the deductible is stated.
Before you decide
Common questions
Can I compare a six-month premium with a twelve-month premium?
Use premiums for equal-length terms. If you annualize a six-month premium by doubling it, label that assumption when comparing quotes. The actual price of the next six months may change.
What should I check besides the renewal price?
Compare the declarations and endorsements line by line. Look for changes in limits, deductibles, discounts, and how the insurer settles a loss, such as a switch from roof replacement cost to actual cash value.
Calculator directory
Ten tools for the rest of your policy
- Home insurance Wind Deductible CalcConvert the percentage on your policy into dollars.
- Home insurance Roof PayoutCompare actual cash value and replacement cost on a covered loss.
- Auto insurance Deductible Break-EvenSee how long lower premiums take to offset a higher deductible.
- Auto insurance GAP ShortfallEstimate the loan balance left after a total-loss settlement.
- Home insurance Rebuild GapCheck a current rebuild estimate against dwelling coverage.
- Home insurance Loss of Use RunwayEstimate how long additional living expense benefits could last.
- Insurance billing Pay in Full or NotCompare the pay-in-full price and the actual payment schedule.
- Health insurance Which Plan Costs LessCompare payroll premiums and covered in-network spending.
- Disability insurance Paycheck Gap CalcEstimate the income gap before and after disability benefits start.
- Life insurance Life Cover Gap CalcEstimate the gap between family needs and resources already available.