01 · Home inventory
Estimate the belongings you would replace.
List estimated replacement costs by category. This total is a recordkeeping aid, not an insured-limit recommendation.
Tools and worksheets · Ron Marchiani, Farmers agent
Put your numbers in order before you compare.
Three free browser-based worksheets help you organize a home inventory, compare premium and deductible tradeoffs, and frame a life-insurance conversation.
Private by design
Your entries stay in this browser.
The calculators do not send your entries to the agency. Use rounded figures; do not enter account numbers, policy numbers, health details or other sensitive data.
02 · Premium and deductible
See when premium savings offset a higher deductible.
Enter annual premiums, deductibles and one hypothetical covered loss. The tool compares the deductible difference for that loss with the lower-premium option’s annual savings.
This simple break-even illustration assumes the example loss is covered and ignores claim likelihood, exclusions, limits, policy differences, fees, taxes and future premium changes. It is not a prediction or recommendation.
03 · Life needs discussion
Organize obligations and resources.
Estimate obligations and goals, then subtract resources you want to include in the conversation.
This arithmetic is not a coverage recommendation. Needs, budget, eligibility and available policy terms require a personal discussion.
How to use these worksheets
- Gather current declarations and renewal documents.
- Use written quote details with matching limits and deductibles.
- Ask what exclusions, sublimits, valuation rules and endorsements apply.
- Discuss the completed worksheet with a licensed insurance professional.