Commercial Property · Calculator, Comparison & Guide

Standard Commercial Property Insurance: Calculator, Comparison Table & Guide

Owner-occupied or single-tenant commercial buildings and contents.

Prong 1 · Interactive Calculator

Commercial Property Estimator

Owner-occupied or single-tenant commercial buildings and contents.

Results
LineEstimate
Total insured value —
Construction-age factor —
Roof-age factorRoofs > 15 yrs commonly trigger ACV roof settlement or decline in TX/FL. —
Sprinkler credit —
Effective property rate per $100 —
Property premium —
Business income / rents premium —
Occupancy factor —
Estimated annual property premium —
Wind/hail deductible per occurrencePercentage of building limit, per building, before the carrier pays. —

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

Get the real number — Start Smart Intake

Prong 2 · Comparison Table

Commercial Property Forms

Basic, broad, and special forms compared.

CriterionAdmitted Standard FormE&S Property (Named-Peril or All-Risk)Layered / Shared & Layered Program
PerilsSpecial (all-risk) or BroadNamed-peril commonSpecial
Wind/hailIncluded w/ % dedExcluded or separateIncluded
Replacement costIncludedACV commonIncluded
Business incomeIncludedOptionalIncluded
Equipment breakdownOptionalOptionalIncluded
Best fitMost buildingsDistressed / olderLarge TIV
Included
covered in base form
Excluded
not available
Optional
available by endorsement
Limited
sublimited or conditional

Wind may be excluded from any of these in Tier 1 counties and placed with TWIA (TX) or Citizens (FL).

Prong 3 · Deep-Dive Guide

Commercial Property Insurance: Forms, Valuation, and Coinsurance

The three decisions — form, valuation, and limit — that decide whether a claim pays in full.

Form

Basic (11 named perils), Broad (adds weight of ice, water damage, collapse), Special (all-risk except exclusions). Buy Special.

  • Special form still excludes flood, earth movement, wear and tear
  • Read the water damage and mold exclusions
  • Ordinance or law is not automatic

Valuation

Replacement cost vs. actual cash value. ACV deducts depreciation — a 20-year-old roof pays at a fraction.

  • RCV on building and contents
  • Agreed value to suspend coinsurance
  • Inflation guard 4%–8% in the current environment

Coinsurance

If you insure for less than the coinsurance % of replacement cost, every claim is reduced proportionally — even small ones.

  • Get a replacement cost estimate annually
  • 80% is standard; 90% earns credit
  • Agreed value endorsement removes the penalty

Frequently Asked Questions

Does business income need a limit?

Yes: 12 months of net income plus continuing expenses is the standard target. Add an extended period of indemnity for lease-up.

What is 'ordinance or law'?

Coverage for the increased cost of rebuilding to current code, demolition of undamaged portions, and loss of the undamaged value. Older buildings need it.

Are my signs, fences, and outdoor property covered?

Sublimited (often $1,000–$2,500) unless scheduled.

Related: commercial property insurance · business property coverage · building and contents insurance

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your standard commercial property exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

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Or call (281) 671-0069

All 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. Submitting a request does not bind coverage.