Give your website something clients will use at renewal, and a reason to call you.
How much umbrella coverage, whether the home is insured to the 80 percent rule, and when a higher deductible pays. Small tools your clients run on your site, each ending with the advice to talk it through with a professional.
10 tools for property and casualty agents. Each link opens a calculator in a small window on your site. Your visitor runs their own numbers, sees what the rules say, and reads the line every tool ends with: talk with a professional who knows your whole situation. On your site, that professional is you.
The link opens this window on your reader's screen, from our site. Nothing loads on your page but the link.
All 10 tools
Is Your Home Underinsured? The 80 Percent Rule
Checks your dwelling coverage against the cost to rebuild and shows what the policy would pay on a loss when the coverage falls short.
Raise the Deductible? The Break-Even
Weighs the premium a higher deductible saves each year against the extra you would pay on each claim, and finds the claim rate at which the two match.
Sell or Keep the House?
Compares staying in your house with selling it and renting, year by year, at the costs and returns you expect.
Pay Off the Mortgage or Invest?
Sends the same extra dollars each month down two paths, to the mortgage or into an investment, and shows where each stands when the mortgage would have ended.
Refinance Break-Even: When the New Loan Pays for Itself
Shows the month a new mortgage has paid for its closing costs, counted two ways, and whether you come out ahead for as long as you plan to keep the home.
15-Year or 30-Year Mortgage?
Runs a 15-year and a 30-year mortgage side by side, with the same cash spent on both and the difference invested, and shows where each stands at year 15 and year 30.
Home Sale Exclusion for a Surviving Spouse
Shows how much profit a surviving spouse can sell the house for without tax, and how the answer changes after two years.
Home Sale Exclusion After Renting It Out
Shows how much of the profit on your home is still tax-free when the home was rented out before you lived in it.
Illinois Senior Property Tax Exemptions
Shows which Illinois property tax exemptions you qualify for and what each saves at your local tax rate.
Put the whole shelf on your site
One snippet, every tool above, each opening in a small window over your page. Copy it and paste it where your site takes HTML.
What it looks like on your page
Your reader stays on your site. Each link opens the calculator in a small window with its sources and one line saying who built it. No site around it, no pitch. Try one below.
- How Much Umbrella Coverage Do You Need? Sizes an umbrella liability policy from what a lawsuit could reach: your net worth outside retirement accounts plus a share of your future income, less what your auto and home policies already cover.
- Is Your Home Underinsured? The 80 Percent Rule Checks your dwelling coverage against the cost to rebuild and shows what the policy would pay on a loss when the coverage falls short.
- Raise the Deductible? The Break-Even Weighs the premium a higher deductible saves each year against the extra you would pay on each claim, and finds the claim rate at which the two match.
- Sell or Keep the House? Compares staying in your house with selling it and renting, year by year, at the costs and returns you expect.
- Pay Off the Mortgage or Invest? Sends the same extra dollars each month down two paths, to the mortgage or into an investment, and shows where each stands when the mortgage would have ended.
- Refinance Break-Even: When the New Loan Pays for Itself Shows the month a new mortgage has paid for its closing costs, counted two ways, and whether you come out ahead for as long as you plan to keep the home.
- 15-Year or 30-Year Mortgage? Runs a 15-year and a 30-year mortgage side by side, with the same cash spent on both and the difference invested, and shows where each stands at year 15 and year 30.
- Home Sale Exclusion for a Surviving Spouse Shows how much profit a surviving spouse can sell the house for without tax, and how the answer changes after two years.
- Home Sale Exclusion After Renting It Out Shows how much of the profit on your home is still tax-free when the home was rented out before you lived in it.
- Illinois Senior Property Tax Exemptions Shows which Illinois property tax exemptions you qualify for and what each saves at your local tax rate.
Calculators from Considerate Capital. Educational estimates from the public rules, not advice; each opens in its own window with the sources and terms.
Prefer links to the full pages instead? Writers and nonprofits sometimes do. .
Paste it where your site takes HTML. In WordPress, that is a Custom HTML block. Nothing to install, and every link is tagged for your kind of firm.
All 10 tools are included. Change which ones
With every tool included, the shelf keeps itself current: a tool added for your kind of firm appears on its own. Untick any to pin the list to what you pasted.
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<ul class="cc-quiet-tools"> <li><a href="https://consideratecapital.com/embed/how-much-umbrella-coverage?via=insurance-pc" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">How Much Umbrella Coverage Do You Need?</a> <span>Sizes an umbrella liability policy from what a lawsuit could reach: your net worth outside retirement accounts plus a share of your future income, less what your auto and home policies already cover.</span></li> <li><a href="https://consideratecapital.com/embed/home-coinsurance-rule?via=insurance-pc" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Is Your Home Underinsured? The 80 Percent Rule</a> <span>Checks your dwelling coverage against the cost to rebuild and shows what the policy would pay on a loss when the coverage falls short.</span></li> <li><a href="https://consideratecapital.com/embed/raise-the-deductible?via=insurance-pc" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Raise the Deductible? The Break-Even</a> <span>Weighs the premium a higher deductible saves each year against the extra you would pay on each claim, and finds the claim rate at which the two match.</span></li> <li><a href="https://consideratecapital.com/embed/sell-or-keep-the-house?via=insurance-pc" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Sell or Keep the House?</a> <span>Compares staying in your house with selling it and renting, year by year, at the costs and returns you expect.</span></li> <li><a href="https://consideratecapital.com/embed/pay-off-mortgage-or-invest?via=insurance-pc" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Pay Off the Mortgage or Invest?</a> <span>Sends the same extra dollars each month down two paths, to the mortgage or into an investment, and shows where each stands when the mortgage would have ended.</span></li> <li><a href="https://consideratecapital.com/embed/refinance-break-even?via=insurance-pc" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Refinance Break-Even: When the New Loan Pays for Itself</a> <span>Shows the month a new mortgage has paid for its closing costs, counted two ways, and whether you come out ahead for as long as you plan to keep the home.</span></li> <li><a href="https://consideratecapital.com/embed/15-or-30-year-mortgage?via=insurance-pc" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">15-Year or 30-Year Mortgage?</a> <span>Runs a 15-year and a 30-year mortgage side by side, with the same cash spent on both and the difference invested, and shows where each stands at year 15 and year 30.</span></li> <li><a href="https://consideratecapital.com/embed/home-sale-exclusion-surviving-spouse?via=insurance-pc" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Home Sale Exclusion for a Surviving Spouse</a> <span>Shows how much profit a surviving spouse can sell the house for without tax, and how the answer changes after two years.</span></li> <li><a href="https://consideratecapital.com/embed/home-sale-exclusion-after-renting?via=insurance-pc" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Home Sale Exclusion After Renting It Out</a> <span>Shows how much of the profit on your home is still tax-free when the home was rented out before you lived in it.</span></li> <li><a href="https://consideratecapital.com/embed/illinois-senior-property-tax-exemptions?via=insurance-pc" target="_blank" rel="noopener" onclick="window.open(this.href,'cc-tool','scrollbars=yes,resizable=yes,left='+((screen.width-780)/2)+',top='+((screen.height-900)/2)+',width=780,height=900');return false;">Illinois Senior Property Tax Exemptions</a> <span>Shows which Illinois property tax exemptions you qualify for and what each saves at your local tax rate.</span></li> </ul> <p class="cc-quiet-tools-note">Calculators from <a href="https://consideratecapital.com/tools?via=insurance-pc">Considerate Capital</a>. Educational estimates from the public rules, not advice; each opens in its own window with the sources and terms.</p>
Why firms put these on their sites
- It ends with you
- Every tool closes by telling the reader to talk with a professional who knows their whole situation. The reader is on your site, so the next step is your door.
- Something to do, not just read
- A visitor who runs their own numbers stays longer than one who reads, and the number they get is the question they bring to you. Every figure traces to a statute, regulation, or agency release, and when the law moves, it changes here.
- In plain words
- Every tool opens with a plain-English line on what it does and where it stops, so visitors use it without help and know its limits.
Built by Joshua Mangoubi, CFA, MBA. Joshua is a financial adviser who likes building things that help people think clearly about money. We hope these are useful to you and your clients. The tools are educational estimates from primary sources, not advice. Corrections are welcome through the contact page.
Terms. Cite any page, quote any figure with the year attached, or use the links above with the attribution left as it is. No reciprocal link, ever. All 19 professional shelves.