Florida Insurance Calculators and Tools
Quick answers to the questions Florida homeowners and business owners ask us most, built on Florida law and published rates. Each is free and needs no sign-up.
Hurricane deductible calculator
See your 2%, 5% and 10% hurricane deductible in dollars, what you'd pay on a claim, and the second-storm rule.
Open →Roof age check
Where your roof stands under Florida's 15-year roof law, the inspection right and Citizens' roof rules.
Open →Flood zone lookup
An address's zone on FEMA's flood map, the map panel and its date, and what the zone means for flood insurance.
Open →Umbrella insurance worksheet
List your household's liability risks, compare your limits with what you'd protect, and see the umbrella size that covers the gap.
Open →Citizens homeowners estimate
A non-binding estimate from Citizens' own published rates, showing how the price adds up.
Open →Business class (NAICS) lookup
Find your business's NAICS code by trade and see which coverages to ask about.
Open →These tools give general information and estimates, not quotes or coverage decisions. Coverage can't be bound or changed through this website.