---
title: Price Two Home Insurance Policies Over Ten Years and One Claim — Free
description: 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.
category: household
last_verified: 2026-09-13
freshness: green
published: 2026-09-13
canonical_url: https://gratis-ai.pages.dev/articles/home-insurance-excess-grid.html
companion_app_url: https://gratis-ai.pages.dev/apps/home-insurance-excess-grid.html
reading_time_minutes: 4
tags: household, insurance, comparison, renewal, local-first, no-account
---

# 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.

**Free and complete.** This guide is a standalone free tool — no account, no card, anywhere. The only paid option is one optional extra outcome: $4 one-time. Nothing in the free tier is gated.

## Who it's for

Anyone seeking practical 100% free AI workflows — no paid API keys, credit cards, or subscriptions

## What's free

- Unlimited comparisons, both policies priced over the period you set
- Copy the finished grid or the state link to send to whoever shares the policy
- Starter, contents-only and older-property records included

## Optional paid add-on

**$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

## Sources & verification

- Tool: GratisAI local-first policy comparison grid (no key, no account)
- Primary source: the free tool itself (local-first, no external dependency)
- Last verification: 2026-09-13 (green)

## Use it

- Interactive guide: https://gratis-ai.pages.dev/articles/home-insurance-excess-grid.html
- Companion app: https://gratis-ai.pages.dev/apps/home-insurance-excess-grid.html
- This machine-readable mirror: /mirrors/home-insurance-excess-grid.md

*Generated free at https://gratis-ai.pages.dev/articles/home-insurance-excess-grid.html — every guide on GratisAI is a complete, working tool. $0, no account, no card, anywhere.*