Interactive Calculator
TX Wind/Hail Deductible Calculator
Your deductible is a percentage of the insured value, not of the claim. See 1%, 2%, 3%, and 5% in dollars on your own building.
Run the calculator →Coverage Calculators, Comparison Tables & Guides
Every product gets the same three tools: an interactive estimator, a side-by-side comparison of how the coverage is typically bought, and a plain-English guide. All math runs in your browser; nothing is stored or sent.
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Featured Tool
9 products
Specialized Trades
Calculator · Comparison · Guide
Construction & General Contractors
Estimate a GL + Workers' Comp + Commercial Auto budget from your payroll, subcontract costs, and fleet.
Open the construction & general contractors toolkit →Calculator · Comparison · Guide
Roofing Contractors
Roofing is the hardest trade to place. Model GL, WC, and auto with realistic roofing rates.
Open the roofing contractors toolkit →Calculator · Comparison · Guide
Artisan & Specialty Trades
Electrical, plumbing, HVAC, painting, flooring, and similar trades. Choose your trade for a calibrated estimate.
Open the artisan & specialty trades toolkit →Calculator · Comparison · Guide
Restaurants & Bars
Model liquor liability, GL, property, and WC. Liquor sales share is the largest single pricing driver.
Open the restaurants & bars toolkit →Calculator · Comparison · Guide
Car Washes
Express tunnel, full-service, and hand wash operations. Garage keepers is the coverage most owners miss.
Open the car washes toolkit →Calculator · Comparison · Guide
Health Care Professions
Clinics, med spas, home health, physical therapy, and allied practices (physician malpractice has its own tool).
Open the health care professions toolkit →Calculator · Comparison · Guide
Airbnb & Short-Term Rental Portfolios
Compare a proper STR policy against relying on platform host protection for your whole portfolio.
Open the airbnb & short-term rental portfolios toolkit →Calculator · Comparison · Guide
Non-Profits & Churches
Churches, community organizations, youth programs, and social services.
Open the non-profits & churches toolkit →Calculator · Comparison · Guide
Life Sciences
Biotech, medical device, diagnostics, CROs, and nutraceuticals. Products liability and clinical trials drive cost.
Open the life sciences toolkit →7 products
Professional Liability / E&O
Calculator · Comparison · Guide
Tech & Software E&O
SaaS, IT services, MSPs, and software developers. Contract limit requirements often set your floor.
Open the tech & software e&o toolkit →Calculator · Comparison · Guide
Consultants & Professional Services E&O
Management, HR, marketing, financial (non-securities), engineering-adjacent, and staffing consultants.
Open the consultants & professional services e&o toolkit →Calculator · Comparison · Guide
Medical Malpractice
Texas remains one of the lower-cost malpractice states after 2003 tort reform. Specialty and county drive the rate.
Open the medical malpractice toolkit →Calculator · Comparison · Guide
Architects & Engineers
Rated on billings, discipline, and project types. Structural and geotechnical run highest.
Open the architects & engineers toolkit →Calculator · Comparison · Guide
Real Estate Brokers E&O
Brokerages, agents, and property managers. Texas doesn't mandate E&O, but your MLS or franchise probably does.
Open the real estate brokers e&o toolkit →Calculator · Comparison · Guide
Real Estate & Condo Association D&O
Community associations, condo boards, and real estate partnerships.
Open the real estate & condo association d&o toolkit →Calculator · Comparison · Guide
Corporate D&O
Investor-backed, family-owned, and pre-IPO companies. Side A protects individuals; ABC protects the entity.
Open the corporate d&o toolkit →7 products
Commercial Property
Calculator · Comparison · Guide
Multifamily / Apartments
Garden-style, mid-rise, and small multifamily. Roof age and wind tier dominate.
Open the multifamily / apartments toolkit →Calculator · Comparison · Guide
Industrial & Warehouse
Distribution, light manufacturing, and flex.
Open the industrial & warehouse toolkit →Calculator · Comparison · Guide
Retail Property
Strip centers, single-tenant retail, and neighborhood centers.
Open the retail property toolkit →Calculator · Comparison · Guide
Office Property
Suburban, medical office, and mid-rise.
Open the office property toolkit →Calculator · Comparison · Guide
Self-Storage
Drive-up, climate-controlled, and boat/RV storage.
Open the self-storage toolkit →Calculator · Comparison · Guide
Vacant Property & Builders Risk
Course-of-construction and vacant building coverage. Rated on completed value and project duration.
Open the vacant property & builders risk toolkit →Calculator · Comparison · Guide
Standard Commercial Property
Owner-occupied or single-tenant commercial buildings and contents.
Open the standard commercial property toolkit →8 products
Core Liability
Calculator · Comparison · Guide
General Liability
Rated on receipts, payroll, or square footage by class. Choose your closest class.
Open the general liability toolkit →Calculator · Comparison · Guide
Workers' Compensation
Payroll × class rate × experience mod. Add up to four class codes.
Open the workers' compensation toolkit →Calculator · Comparison · Guide
Commercial Auto
Per-unit rating by vehicle class, radius, and driver profile.
Open the commercial auto toolkit →Calculator · Comparison · Guide
Hired & Non-Owned Auto (HNOA)
For businesses without owned vehicles — or with employees who drive their own.
Open the hired & non-owned auto (hnoa) toolkit →Calculator · Comparison · Guide
Trucking & Motor Carrier
For-hire trucking: auto liability, cargo, physical damage, and general liability.
Open the trucking & motor carrier toolkit →Calculator · Comparison · Guide
Garage & Auto Service
Repair shops, body shops, tire/lube, and dealers. Garage liability + garage keepers + property.
Open the garage & auto service toolkit →Calculator · Comparison · Guide
Commercial Flood
Houston floods outside the mapped zones. Model the NFIP cap and a private alternative.
Open the commercial flood toolkit →Calculator · Comparison · Guide
Business Owners Policy (BOP)
Property + liability in one package for eligible small businesses.
Open the business owners policy (bop) toolkit →7 products
Personal Lines
Calculator · Comparison · Guide
Homeowners (2%–5% Wind/Hail)
Coverage A, wind/hail percentage deductible, and roof age drive the Texas and Florida price. (See our dedicated wind/hail calculator for the full deductible table.)
Open the homeowners (2%–5% wind/hail) toolkit →Calculator · Comparison · Guide
Personal Auto
Compare Texas minimum limits against realistic exposure and umbrella needs.
Open the personal auto toolkit →Calculator · Comparison · Guide
Personal Umbrella
Size the limit to your assets and exposures; the premium is small relative to what's protected.
Open the personal umbrella toolkit →Calculator · Comparison · Guide
Personal Flood
Most Houston homes that flooded in Harvey were outside the mapped zones and uninsured.
Open the personal flood toolkit →Calculator · Comparison · Guide
Renters
Contents, liability, and loss of use. Cheaper than most people expect.
Open the renters toolkit →Calculator · Comparison · Guide
Valuables & Jewelry
Jewelry, watches, art, collectibles, firearms, and instruments. Scheduled coverage vs. homeowners sublimit.
Open the valuables & jewelry toolkit →Calculator · Comparison · Guide
Boat & Coastal Watercraft
Bay boats, offshore, sail, and PWC. Navigation area and hurricane season plan drive coastal pricing.
Open the boat & coastal watercraft toolkit →Want the real number instead of an estimate?
The Smart Intake takes about two minutes. A licensed advisor reviews your exposure against 30+ Texas and Florida markets.
Start Smart IntakeAll numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy.