A PITI calculator where the insurance line — the one most calculators guess as a flat percentage — is modeled per peril by the same engine your property report uses.
Who this is for: home buyers (and anyone sizing a real monthly payment). Where: Toolkit → Mortgage Payment Calculator, or /tools/mortgage-calculator. It also opens as a drawer inside the buyer Toolkit. Time: ~2 min.
Steps
- Open the calculator.
- Enter loan inputs: price, down payment, term, rate, property tax, HOA.
- Set the insurance basis one of two ways:
- From a saved property — pick a property and it uses that property's cached,
per-peril risk to model the premium (most accurate).
- Manual peril toggles — set flood / wind / fire / earthquake severity to
none / moderate / high. (Manual toggles are capped at medium confidence, since they're not a full assessed profile.)
- Read the PITI breakdown — principal & interest, taxes, insurance (per-peril),
HOA, and PMI (added automatically when the down payment is under 20%).
Save & load scenarios
Click Save to store a scenario (label, inputs, perils, and the modeled monthly total, optionally linked to a property). Load or delete saved scenarios later to compare options side by side.
Why the insurance line matters
For a high-hazard property (coastal wind, wildfire, flood), the insurance line can be the difference between an affordable and an unaffordable payment. Because CoverGuard models it from real peril data instead of a flat 0.5%-of-price rule of thumb, your PITI is realistic.
The insurance line is a modeled estimate — use it to plan and compare, and confirm the actual premium with a carrier before closing.
Troubleshooting
- Insurance line seems low/high → check whether you used a saved property (accurate) vs.
manual toggles (capped confidence). Link a property for the best estimate.
- Can't save a scenario → confirm you're signed in. See
Do this next
Found a payment that works? Look up the property in full, or shortlist homes that fit the budget you just modeled.