Insurance cost calculators by province Annual budgets, separate charges and payment plans for car, home, tenant and business insurance. Québec calculators are also available in French.
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Find the calculator for your next question Choose a task or search the 13 worksheets. Each card explains the result and the figures you’ll need.
Compare quotes Compare payments Compare a bundle Review a renewal Switch insurers Cancel a policy Value belongings Check deductibles Explore a claim
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Review a renewal, a payment schedule, a bundle or a deductible trade-off.
SWITCHING Would switching before renewal reduce my cost over the same period?
A shared-period cost comparison, allocated new premium and estimated difference, with unknown charges identified.
What you’ll need Current and new policy dates and full-term premiums The current insurer’s total retained premium and additional switching costs CANCELLATION Will cancelling leave a refund or an amount still owing?
Used and unused days, a pro-rata reference, and a potential refund or balance owing. No insurer penalty table is assumed.
What you’ll need Policy start, expiry and cancellation dates Full-term premium, premium already paid, and any confirmed retained premium or additional charge COMPARE OFFERS How do these written offers compare side by side?
Term totals, monthly equivalents and differences from Offer A when the policy lengths match, with coverage amounts beside the prices.
What you’ll need The policy term and complete payment option for each quote Separate charges, limits, deductibles and coverage differences RENEWAL How much has my renewal changed?
Previous and renewal totals, premium and fee contributions, separate premium and total percentage changes, and a monthly equivalent.
What you’ll need Previous and renewal twelve-month premiums Separate charges for each year, including known payment-plan fees PAYMENTS What does my complete payment plan cost compared with paying annually?
Both full-year totals, the dollar and percentage difference, and the largest instalment with no higher total cost.
What you’ll need Annual-pay quote and separate annual charges First payment, remaining instalment amount and count, and separate plan charges BUNDLE Does this auto and property bundle reduce my complete twelve-month cost?
The complete totals, auto/property/fee contributions, annual difference and monthly equivalent, with any higher bundled premium flagged.
What you’ll need Separate and bundled annual auto and home, condo or renter premiums Separate charges for both policies in each option DEDUCTIBLE How many years of savings equal the extra deductible?
The extra deductible, annual premium saving and break-even period when that trade-off exists.
What you’ll need Deductible and annual premium for Option A Deductible and annual premium for Option B Add up belongings, compare a limit with your estimate or convert a percentage deductible.
LIMITS How does my policy limit compare with my value estimate?
The dollar difference and the limit as a percentage of the value you entered.
What you’ll need Your replacement-value estimate or inventory total Applicable policy limit TENANT What is the total replacement value of my belongings?
The total entered, a category breakdown and the largest category. Blank categories are excluded.
What you’ll need Replacement estimates for clothing, electronics, furniture and household items Separate amounts for hobbies, valuables and other belongings B.C. STRATA What is the strata building's percentage deductible in dollars?
The strata corporation's gross percentage deductible, rather than an individual owner's share.
What you’ll need Full building replacement value from the strata documents Earthquake deductible percentage in the current insurance summary Work through a claim calculation, depreciation assumptions or business interruption exposure.
CLAIMS How do a limit and deductible affect this eligible-loss scenario?
A payment scenario, the deductible applied, the amount above the limit and the retained amount.
What you’ll need Eligible loss amount accepted or assumed for the scenario Applicable limit and dollar deductible VALUATION What value remains under my depreciation assumptions?
The assumed depreciation percentage, depreciation amount and remaining scenario value.
What you’ll need Current replacement cost and item age Assumed yearly depreciation percentage and maximum depreciation cap BUSINESS What do my interruption estimates total over a restoration period?
A planning total and a breakdown of income, continuing expenses and extra costs.
What you’ll need Monthly lost net income, continuing expenses and extra operating costs Restoration period in months and any one-time extra expense Get a useful result Every calculator lets you keep your current inputs, result and assumptions together. Replace any example values, then choose Download calculation (.txt) for a text copy or Review & print / PDF for a formatted report. In the preview, use Print / Save PDF and choose your browser’s PDF destination if available.
Use comparable figures. Check the policy period, selected limits and deductibles before comparing offers. For payment comparisons, confirm the actual instalment schedule.Replace the example values. Enter your own amounts. Complete required fields and use zero only when the amount is zero; the contents tool lets you leave categories for later.Read the calculation assumptions. A premium comparison shows a price difference. A claim or valuation scenario uses the assumptions you enter and does not determine the insurer’s decision.Read our calculation and research methodology → 
