P&C Insurance Break-Even Calculator
Compare paying premiums to a carrier versus investing that money and self-insuring
Coverage inputs
$1,000
$100k
Once every 17 yrs
Typical homeowner claim: once every 15–20 years
$25k
Investment alternative
6.0%
15 yrs
6%
For illustrative planning purposes only. Not financial, insurance, or legal advice. Consult a licensed advisor before making coverage decisions.
Self-insurance break-even
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Calculating…
Pay the carrier
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Total premiums over the horizon
Invest instead
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Portfolio value if premiums invested
Cumulative premiums paid
Investment portfolio value
Uninsured loss exposure
