Coinsurance Calculator

Coinsurance Formula:

If the Insurance Coverage Amount is greater than 80% of the home's replacement cost, then the entire loss will be covered, up to the policy amount. Otherwise, the greater of the depreciated value of the house or the result of the following formula will be paid out:

Insurance Coverage / Coinsurance * Replacement Cost

Coinsurance Definition

Using the free online Coinsurance Calculator makes it ultra easy to calculate the payout for a home insurance claim. Enter in the replacement value of your house, the depreciated value of your house, the homeowners insurance coverage amount, the home insurance coinsurance percentage amount, and the amount of loss incurred. Try out the free home insurance coinsurance calculator online now!

How to Calculate Coinsurance

Let's be honest - sometimes the best coinsurance calculator is the one that is easy to use and doesn't require us to even know what the coinsurance formula is in the first place! But if you want to know the exact formula for calculating coinsurance then please check out the "Formula" box above.

Add a Free Coinsurance Calculator Widget to Your Site!

You can get a free online coinsurance calculator for your website and you don't even have to download the coinsurance calculator - you can just copy and paste! The coinsurance calculator exactly as you see it above is 100% free for you to use. If you want to customize the colors, size, and more to better fit your site, then pricing starts at just $29.99 for a one time purchase. Click the "Customize" button above to learn more!