Insurance templates

All 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.

Walk your declarations page line by line, then check Coverage A against a real rebuild estimate — square footage, local cost per square foot, and the extras that estimate misses. Works the 80% coinsurance rule live, so you can see the exact percentage a partial loss would be paid at, converts your percentage catastrophe deductible into the dollars you'd actually have to produce, and closes with a Yes/No gaps checklist for the eight endorsements most often missing from a policy someone believes is full coverage.

The list you cannot make after a fire. Room by room, priced at replacement cost rather than what you paid, with a category dropdown that feeds a live sub-limit check — because Coverage C carries per-category caps inside it, and a comfortable total limit routinely hides jewelry or silverware sitting far over its own. Uses the ISO 03 22 figures, which raised nearly every category from the edition most consumer material still quotes, and marks which caps apply only to theft — the detail write-ups reverse most often.

Your renewal increase measured against your state's published change, then four quotes on identical rows — because carriers quote different limits and deductibles, so the cheapest premium is routinely the least coverage. Converts each percentage wind deductible into real dollars, adds the extra deductible exposure a cheaper premium bought you, and says outright when the lowest premium is not the lowest cost. Closes with a decision log and a lapse check on the two policy dates.

The record a claim is actually decided on. A claim header block, a contact log with a column for what was promised and whether you followed up, a damaged-items inventory that totals replacement cost against ACV so the recoverable depreciation is a number and not a surprise, an ALE log built around the increase over your normal spending rather than your gross spending, and a milestone tracker with target and actual dates.