Insurance Coverage Hub · Bedrocka Tools
Coverage math without the
licensed-agent agenda.
Most insurance coverage calculators online are run by carriers, brokers, or affiliate-driven aggregators trying to convert you on a quote. This site is the opposite: every formula is open-source, every assumption cites the primary source (ISO forms, IRC §101, NAIC, LIMRA, FEMA NFIP), and every tool is reviewed quarterly by a named operator with no commission to defend.
Calculators
Pick the coverage math you actually need.
Life Insurance
Term Life Insurance Coverage Need Calculator
Three methods side-by-side: DIME (Debt + Income × years + Mortgage + Education), 10× income multiplier, and Human Life Value (HLV — present value of future earnings). Cited to LIMRA, ACLI, IRC §101.
Open calculator →Whole Life vs Term Breakeven Analyzer
Multi-year breakeven: cumulative whole-life premium + cash value vs term + Buy Term Invest the Difference (BTID) portfolio. Surfaces the cash-value crossover year and 30-year IRR (Internal Rate of Return). Cited to IRC §72(e), §7702, LIMRA.
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Property Insurance
Renters Insurance Coverage Estimator
Coverage C (personal property), Coverage D (loss-of-use / Additional Living Expenses), Coverage E (personal liability), Coverage F (medical payments). Cited to ISO HO 00 04 form, III (Insurance Information Institute) research.
Open calculator →Homeowners Coverage Gap Analyzer
Replacement cost vs current Coverage A (dwelling) limit, liability alignment with net worth, scheduled-items endorsement gaps, flood / earthquake exposure. Cited to ISO HO 00 03, Fannie Mae Selling Guide §B7-3.
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Health Insurance
Disability Income Replacement Gap Calculator
Compute the income-replacement gap if you became disabled today: current monthly income minus projected SSDI benefit minus existing employer long-term-disability (LTD) coverage equals the gap. Pure math — surfaces the dollar gap, NOT a policy recommendation. Tax-treatment toggle for employer-paid vs employee-paid LTD per IRC §104(a)(3) and §105. Cited to IRC §86, §104, §105, Treas. Reg. §1.105-4, BLS Work-Life Tables.
Launching next batchACA Marketplace Plan Cost Calculator
Two computations: (1) your Premium Tax Credit (PTC) under IRC §36B given household income, family size, and the second-lowest-cost silver-plan benchmark; (2) total annual cost comparison of two user-specified plans (premium + expected out-of-pocket given your typical usage pattern). Pure math — no plan recommendation, no carrier pick. Cited to IRC §36B, Treas. Reg. §1.36B-1 through §1.36B-6, HHS/CMS marketplace rules, federal poverty guidelines (annual update).
Launching next batch
Learn
Concepts behind the coverage math.
Life Insurance
How much term life insurance do I actually need?
Three methods give three different numbers — DIME, 10× income, and Human Life Value. The right answer is the one your survivors can actually use. Here's the math behind each, with the LIMRA, ACLI, and IRC §101 citations the licensed-agent industry rarely shows you.
Property Insurance
Renters insurance: what most operators get wrong
$15-25/month for $25K of personal property + $300K of liability is one of the highest-leverage financial products in existence — and most renters either skip it or buy too little. The four gaps that show up at claim time, with ISO HO 00 04 form citations.
What makes this different
Three things every Bedrocka Tools site does that the carrier calculators don't.
Open-source math
Every calculator's formula is published as TypeScript with Vitest tests in a public repo. Click "View source" in any math accordion to see the actual implementation. Most carrier coverage calculators are proprietary black boxes. We publish ours.
Browse the math →Primary-source citations only
Every coverage threshold, replacement-cost rule, and liability-tier benchmark links to the original document — ISO policy forms (HO 00 03, HO 00 04), IRC §101, FEMA NFIP, NAIC Consumer Insurance Search, LIMRA / ACLI research. No "most experts recommend" hedging. The citation is the proof.
Read the methodology →Named operator, no commission
Reviewed and signed by Byron Malone— a decade of operating-finance, entity formation, and policy review on his own ventures. Not a licensed agent. Nothing on this site earns a commission tied to the answer the calculator gives you.
Read Byron's bio →