Water damage
Basement Coverage Checker
Answer seven questions and see, line by line, which ways water can get into your basement are covered by your homeowners policy, which aren't, and what water backup limit to carry.
Open the tool →Condo & renters
Building vs. Contents Calculator
Tap anything in your home to see whether it's building or contents, then get a suggested coverage split for your condo, rental or house in about a minute.
Open the tool →Dwelling limit
Home Replacement Cost Estimator
Enter the square footage, construction and finish level and get a rebuild-cost range for Montgomery County and nearby areas. Then compare it to the dwelling limit on your declarations page.
Open the tool →Full policy
Home Insurance Coverage Builder
Ten questions about your house, your assets and your risks. Out comes a coverage package, line by line, with the reason behind each one, ready to compare to your declarations page.
Open the tool →Flood
Flood Risk Score
FEMA maps model rivers. They don't know your driveway slopes toward the garage or that the storm drain at the corner backs up every July. Score the property the way an adjuster would see it.
Open the tool →Flood
Flood Zone Lookup
Type an address and we'll read FEMA's National Flood Hazard Layer at that point: the zone, whether it's a Special Flood Hazard Area, and what that means for your lender and your insurance.
Open the tool →Flood
Flood Insurance Requirement Checker
Two facts decide whether it's required: the structure's FEMA zone and the type of mortgage. Six questions cover both, plus what to do if you think your lender's determination is wrong.
Open the tool →Tool results are general information from a licensed insurance agency and are not a quote or a coverage determination. Everything runs in your browser; nothing is sent unless you request a quote.