Commercial Property Tool

Coinsurance Penalty
Calculator

Find out exactly how much your insurance company will pay after a loss — and how much of the bill you'll be stuck with if you're underinsured.

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Formula: (Did Insure ÷ Should Have Insured) × Loss Amount − Deductible = Payout
Actual Property Value ?Full replacement cost of the building/contents today
What would it truly cost to rebuild or replace at today's prices?
$
Policy Coverage Amount ?The limit on your current policy declarations page
How much coverage does the current policy actually carry?
$
Amount of Loss ?The total damage sustained in the loss event
Total dollar value of damage in the claim being filed.
$
Policy Deductible ?The out-of-pocket amount before the policy pays
Your out-of-pocket deductible per the policy.
$
Coinsurance Requirement
Most commercial property policies require 80%, 90%, or 100%
80%
70%80%90%100%
Should Have Insured
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—
Actually Insured
—
—
Insurance Payout
—
after deductible
Penalty Amount
—
out-of-pocket gap
Coverage Ratio
—
of minimum required
Gap to Full Coverage
—
additional coverage needed
Loss Dollar Breakdown
Insurance pays
—
You pay (penalty)
—
Deductible
—
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This tool provides estimates for educational purposes. Actual claim settlements depend on policy language, endorsements, and carrier adjustments. Always verify coinsurance requirements with your policy declarations page or a licensed commercial lines agent.