Which market will you end up in?
This isn't a price quote. Anyone who hands you a premium without seeing your home is guessing. It takes your state, your home's hazard exposure, and a couple of underwriting flags, and tells you which market you're most likely to land in, roughly which way the cost goes, and the right next steps. Nothing you enter leaves your browser. When you're done, your state page has the details on that state's FAIR Plan.
No quote. No email. No phone.
What's your likely path to coverage?
This won't give you a price. Anyone who gives you a premium without seeing your home is guessing. It tells you which market you'll most likely end up in (the standard market, a FAIR Plan plus a wrap, or surplus lines), roughly which direction the cost goes, and what to do next. It runs entirely in your browser.
A heuristic, not underwriting. Real eligibility and price are set by an insurer looking at your specific address, claims history, and construction. Use this to know what to expect, then talk to an independent agent.
Already know you're heading for the FAIR Plan?
The next question is how much of your home it would actually cover. Every state's FAIR Plan caps a single dwelling policy at a fixed dollar amount, and on a higher-value home that cap leaves a gap a separate "wrap" policy has to fill. This works out that gap from the published cap, with the source dated below.
No quote. No email. Arithmetic on a published cap.
How much of your home would a FAIR Plan policy actually cover?
This compares your home's rebuild cost to the cap your state's FAIR Plan puts on a single dwelling policy, and shows you the dollar gap a 'wrap' policy would need to fill. It will not give you a price. The cap figures come from the plan itself, dated below.
Just got the letter, and not sure how long you have?
A non-renewal notice is not a cancellation, and you almost certainly have weeks rather than days. This works out how many days that is, the latest day it's safe to bind new coverage, and the week-by-week plan, using your state's statutory notice period where we've verified it. Enter the dates on your letter, or just your situation if you don't have it in front of you.
No quote. No email. A planning aid, not legal advice.
How much time do you have after a non-renewal notice?
Enter the two dates on your letter and this shows you how many days you have, the latest day it's safe to bind new coverage, and a week-by-week plan. If you don't have the letter in front of you, it falls back to your state's standard notice period.
Want the full picture for your state? Browse all 51 states → · Just got a notice? The non-renewal playbook →