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Insurance Coverage
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.

Primary-source citations
Reviewed by Byron Malone
6anchor calculators
174tests passing
2explainer articles
100%primary-source cited
Try the Term Life Coverage calculator →How this site is built

Calculators

Pick the coverage math you actually need.

Life Insurance

Property Insurance

Auto Insurance

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 batch

  • ACA 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

Liability Insurance

Learn

Concepts behind the coverage math.

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What makes this different

Three things every Bedrocka Tools site does that the carrier calculators don't.

Principle I

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 →
Principle II

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 →
Principle III

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 →

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