Free · self-entered

Is it even worth filing a claim?

A small repair often costs less than the deductible you would pay first. Enter your numbers to see what insurance would actually cover before you call anyone.

A claim can also affect your premium at renewal. This calculator only does the math, it is not advice about whether to file.
Claim vs. out-of-pocket calculator
After your deductible, insurance would cover
Enter both numbers above
What else is in my policy? →
Want your real deductible, not a guess? Upload your policy and we read the exact number, cited to the page.
Read my policy →
Claim vs. out-of-pocket calculator · UnderstandMyPolicy