Insurance Hub
A privacy-first coverage estimator for Auto, Home/Renters, Term Life, Disability, and Umbrella. Everything runs in your browser; nothing is sent to our server. Fill the six fields, read your tailored limits, and download a one-page summary to shop to a broker or captive agent.
100 % browser-local. Your income, savings, and dependent details never leave this tab.
The estimator and the PDF generator both run client-side. No API round-trip, no logging, no cookies tied to your inputs. Close the tab and the data is gone.
localStorage only · never sent to our server
Save the current estimate as Policy A, then adjust the inputs (different deductible, employer coverage, dependent structure) and save as Policy B to see the delta.
Tick every box that applies to you. We'll show which route the balance tilts toward.
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Methodology
The Insurance Hub estimates five coverage lines — Auto, Home or Renters, Term Life, Disability, and Umbrella (Supplemental) — using the same back-of-envelope math a fee-only financial planner would run on a legal pad in the first fifteen minutes of a client meeting. Nothing is pulled from an external carrier API, nothing is predictive-pricing your individual risk, and nothing you type leaves this browser tab.
Term life uses the standard DIME-style multiplier (Debt, Income, Mortgage, Education): 8× your pre-tax income if you have a partner, 10-12× if there are children. The policy term is sized to the window until your youngest dependent is 18-22, which is why we return 20 or 30 years rather than something arbitrary.
Disability (LTD) targets a 60 % after-tax income replacement — the number almost every reputable advisor lands on because it tracks typical personal-expense ratios net of commuting, work clothing, and payroll taxes that disappear if you're not working. We subtract your reported employer coverage and surface the monthly shortfall a private policy would need to fill.
Auto liability is sized to your income tier (100/200, 250/500, or 500/1000 thousand dollar limits) because a jury award in a serious crash tracks your ability to pay — and uninsured/underinsured motorist is set to match it so you're never the best-insured party in your own accident. Home or renters is sized to replacement cost (not market value for homes, 12-15× monthly rent for renters' personal property). Umbrella triggers once your proxy net worth crosses roughly $200k — the point where a plaintiff's attorney starts caring about your assets, not just your base policy limits.
Takeaways
Three insurance decisions move the needle more than every other combined. First: buy term life young. A healthy 30-year-old pays roughly one third of what a healthy 40-year-old pays for the same $500,000 20-year policy — the premium compounds against you every year you delay, and underwriting only gets harder.
Second: own-occupation long-term disability is the single highest-leverage insurance purchase most high-income professionals never make. Your lifetime earnings are usually your largest financial asset by a factor of ten; a $4,000/mo benefit at age 40 covers that asset until retirement for the price of a weekly dinner out.
Third: raise your deductibles on auto and home policies to the maximum your emergency fund can absorb. Insurance is for catastrophes, not fender benders. A $1,000 deductible versus a $250 one typically shaves 15-20 % off your premium and the carrier isn't subsidising your tolerance for small risk — you are. Pair high deductibles with a disciplined cash buffer and the math works forever.
One subtle trap: whole-life and indexed-universal-life policies are almost always sold, never bought. The embedded investment component looks compelling in a sales illustration but underperforms a plain term-plus-index-fund stack on after-fee IRR in roughly 95 % of simulations. If an agent leads with the "insurance plus savings" pitch, walk out and buy level term.
Questions we hear