Price Two Home Insurance Policies Over Ten Years and One Claim — Free
Enter both premiums, both excesses and both discounts, and the grid works out what each policy costs over ten years with one claim in it — the comparison the renewal letter never makes. The free tier is the whole card: every field, every state, and the state link. Nothing is withheld behind the optional one-time tier.
1 · Set the comparison grid
FIRST-LOAD · sample record filed
Data note: Everything is computed in this browser tab. Nothing you type is uploaded, and nothing is stored on our servers. Redact names and identifying details before you paste anything sensitive, and check the output against the named source before you act on it.
2 · Read the ruled grid
GratisAI priced two home policies over ten years with one claim in it — the cheaper premium lost on the excess.
Boundary: This does arithmetic on the figures you type in; it is not insurance, financial or legal advice, and it does not compare cover, exclusions, limits or an insurer's claims record. Read both policy documents and check the perils and limits yourself, and take regulated advice before you change a policy you depend on.
Free core · $4 one-time
The on-screen result is free and repeatable forever. The one-time tier adds a tangible file you keep and the saved history that comes with it; it never removes or degrades the free result.
- Printable comparison grid — one page for the renewal decision, with both structures and the ten-year difference — estimate: ~20 minutes saved per household conversation about which policy to take
- Saved renewal history — keep the previous three grids in this browser so a premium rise can be compared with what you actually paid — estimate: ~25 minutes saved per renewal season
- Claim-scenario column on the paid copy — run zero, one and three claims and print the three results side by side — estimate: ~15 minutes saved per scenario you would otherwise recalculate by hand
ONE-TIME STEP · the printable copy and saved history are the optional step
Good to know, with care. The one-time option simply unlocks this app here on your device — no account needed, and nothing you type ever leaves this browser. Your free result above stays complete either way, always.
Unlock Pro — $4 one-time
- Printable comparison grid — one page for the renewal decision, with both structures and the ten-year difference — estimate: ~20 minutes saved per household conversation about which policy to take
- Saved renewal history — keep the previous three grids in this browser so a premium rise can be compared with what you actually paid — estimate: ~25 minutes saved per renewal season
- Claim-scenario column on the paid copy — run zero, one and three claims and print the three results side by side — estimate: ~15 minutes saved per scenario you would otherwise recalculate by hand
One-time price, yours to keep on this device — no account needed. After secure checkout you'll return here and your Pro features will be ready and waiting.