Upload a photo of any home repair and get a verified cost estimate in 30 seconds, priced with RSMeans data and your city's actual labor rates. Then check any contractor quote for overcharging.
RSMeans 2024BLS city labor rates50+ citiesFree to start
Your Location
Home Age
2000+
1990s +5%
1980s +10%
1970s +20%
1960s +28%
Pre-1950 +40%
Upload a photo of the problem
Electrical, plumbing, HVAC, roofing, or structural. Get a verified cost estimate adjusted to your city.
3 free estimates available
ElectricalPlumbingHVACRoofingVideo OK
Knob & Tube
FPE Panel
Galvanized Pipe
Gas Furnace
Roof Replace
Describe the issue
Low photo quality — estimate may be less accurate
Try getting closer, using flash, or filling the frame.
Analysis Pipeline
5 agents analyzing your photo
Initializing...
1
Classify
2
Analyze
3
Inspect
4
Price
5
Validate
1ClassifierIdentifying trade, item, and confidence
Output passed to Agent 2
2SpecialistDeep component analysis
Output passed to Agent 3
3Code InspectorNEC/IPC violation check
Output passed to Agent 4
4PricingMaterials + labor calculation
Output passed to Agent 5
5ValidatorCross-check and RSMeans validation
Final validated report
How It Works
Three steps to a verified estimate
1
Upload a photo
Snap a picture of the electrical panel, pipe, furnace, roof, or any home repair you need priced.
2
Get a verified estimate
Five AI agents analyze the image, identify the issue, check code violations, and price it with RSMeans data and your city's BLS labor rates.
3
Check your contractor's quote
Paste any contractor bid into Quote Check. AI flags overcharging, missing items, and gives you negotiation scripts.
Why Trust Our Numbers
Built on the same data contractors and insurers use
Every estimate is cross-referenced against industry-standard cost databases. No guessing, no outdated averages.
RSMeans 2024
Industry-standard construction cost database used by contractors, architects, and government agencies nationwide.
BLS Labor Rates
Bureau of Labor Statistics OEWS wage data for electricians, plumbers, HVAC techs, and roofers in 50+ metro areas.
NEC / IPC / IRC
Code violation detection using National Electrical Code, International Plumbing Code, and International Residential Code.
City-Specific Pricing
Costs adjusted for your metro area. A panel upgrade in NYC costs 2x what it costs in Omaha. We account for that.
50+Cities
160+Job types
5AI agents per scan
30sAverage scan time
What You Get
A real estimate, not a guess
Here's what a TradeEstimator report looks like. Verified pricing, code violations flagged, and negotiation-ready data.
Sample Estimate
200A Electrical Panel Upgrade
Denver, CO
$3,200$2,800 - $4,100
200A Square D QO panel$680
Labor (6 hrs @ $95/hr billed)$570
Permit + inspection$280
Breakers, wire, misc$420
Sample Quote Check
Contractor bid vs. market rate
Denver, CO
Overcharged by $1,400
Panel (quoted $1,200)+$520 above market
Labor (quoted $1,800)+$630 above market
Permit (quoted $300)Fair price
Quote Analyzer
Is your contractor quoting you fair?
Paste any quote. AI compares every line item against RSMeans data and your city's labor rates, then flags anything above market.
Upload a photo of your quote
Works with handwritten quotes, printouts, screenshots, emails
Analyzing quote...
Free analysis used
Got another quote to check?
$4.99 per analysis or $19.99/mo unlimited
Saved quotes
How quote analysis works
1. Paste your quote
Copy-paste any contractor quote — typed, scanned, or from email
2. AI compares pricing
Every line item compared against RSMeans and BLS data for your city
3. See the red flags
Overpriced items flagged with what to negotiate and how much to save
DIY Guide
Can I do this myself?
Every job rated by real difficulty. See what you can tackle, tools needed, and how much you save.
● EASY - No special tools, YouTube-able
● MODERATE - Some skill required
● HARD - Specialty tools, permit likely
● PRO ONLY - Licensed trade required
Project Planner
Describe your renovation or upload photos. AI builds a full project plan - every trade, timeline, materials, budget, permits, and critical path. Like having a GC in your pocket.
Building project plan...
General Contractor Planner
Plan any renovation project
Describe your project. AI breaks it into trades, sequences the work, estimates every phase, and flags what to watch for.
Describe your project
City
HOME BUILT
HOME SIZE
HOME CONDITION
BUDGET
TIMELINE
Reviewing your project
Analyzing scope and trades needed...
TOTAL PROJECT ESTIMATE
$0 - $0
Budget breakdown
What contractors don't always break out: GC fee, general conditions, and contingency are real costs built into every professional bid - whether they're itemized or buried in the total. Understanding them protects you from being overcharged.
Home age risks — test before you demo
Material lead times
Inspection schedule
Change order watchouts
Project phases
Red flags — read before hiring
GC ADVICE
DIY opportunities
How to hire each trade
Ask follow-up questions
Trade sequencing, cost cuts, scope changes
Contractor Hub
Find contractors and compare bids. Or use the contractor tools to price jobs.
Find contractors near you
TRADE NEEDED
YOUR CITY
Verified contractors in your area
Tip: Always get 3+ quotes. Ask each contractor about the code violations flagged in your estimate — the good ones will know what you're talking about.
Compare contractor bids
Got 2-3 quotes back? Paste them below and our AI compares them side-by-side - flags overcharging, missing scope, and red flags.
Scope of Work Generator
Describe your project in plain English. AI writes a professional scope of work you can send to every contractor - so they all quote the same job and can't leave things out.
Contractor vetting checklist
Before signing anything - run every contractor through this checklist. One "no" is a yellow flag. Two is a red flag.
License
Ask for their license number and verify it on your state licensing board website. A contractor who hesitates is a red flag.
Insurance
Request a Certificate of Insurance (COI) showing general liability AND workers' comp. Must name you as additional insured.
Permits
"Will you pull all required permits before starting?" - Any hesitation or "we don't need one" is a hard stop.
Written contract
Scope of work, materials specs, start/end dates, payment schedule - all in writing before any money changes hands.
References
Ask for 3 recent references for the SAME type of work. Call them. Ask about timeline, cleanliness, and whether they'd hire again.
Payment terms
Never pay more than 30% upfront. Tie payments to milestones. Never pay in full until you've done a final walkthrough.
Subcontractors
Ask if they'll use subs and if so, do those subs carry their own license and insurance?
Lien waiver
Request a lien waiver upon final payment. Protects you if they don't pay their suppliers.
Instant red flags — walk away
Demands cash or Zelle only
Wants more than 50% upfront
Can't provide proof of insurance on the spot
"We don't pull permits here"
Pressures you to sign today for a discount
No physical address — just a cell number
Won't provide written contract
Payment schedule guide
Typical fair schedule:
30% at contract signing → 30% after rough-in inspection passes → 30% after final inspection → 10% retainage held 30 days after completion (protects you from last-minute issues)
Change Order Estimator
Change orders are how contractors make most of their extra profit - and how homeowners get blindsided. Paste the change order, get a fair price check backed by RSMeans data.
TRADE
CITY
Contract Review
Paste your contractor's contract. AI flags missing protections, unfair clauses, missing scope, bad payment terms, and anything that could bite you later.
Punch List Generator
Job is 95% done and you're doing your final walkthrough? Describe the project and what you've noticed - AI generates a complete punch list to get every item fixed before you release final payment.
Job Pricer
YOUR TRADE
YOUR CITY
DESCRIBE THE JOB
Job Board Example
These are example leads. Submit your contractor profile below to get matched with real homeowners in your area.
Job Pipeline
Track your real jobs. Add them manually and drag between stages as they progress. Data stays in your browser.
Add a job
LEADS
QUOTED
WON
IN PROGRESS
COMPLETE
0
LEADS
0
ACTIVE
$0
PIPELINE VALUE
0
CLOSED
Free plan used
Plan another project?
$9.99 per plan or $19.99/mo unlimited
Materials Hub
Know exactly what you need
Select a job type, get a complete materials list with local pricing and total cost breakdown.
JOB TYPE
YOUR CITY
SQFT (ROOFING)
Home Depot Pricing
Contractor Supply Pricing
Ferguson / CED (plumb/elec)
Note: These are estimated retail prices as of Jan 2026. Contractor pricing reflects typical trade account discounts (15-40% off retail). Actual prices vary by region and supplier.
Item
Qty
Unit
HD Price
Pro Price
Subtotal (HD)
Check off items as you buy them. Click any store link to purchase.
Five AI agents analyze comps, price-per-sqft, market conditions, condition adjustments, and trends to give you an independent valuation - before you make an offer or list your home.
✓ Comparable sales analysis
✓ Market trend adjustment
✓ Condition & feature adjustments
✓ Price vs. asking comparison
ZILLOW / REDFIN URL (auto-fills below)
ADDRESS
BEDS / BATHS
SQUARE FEET
YEAR BUILT
ASKING / LIST PRICE
CITY / MARKET
PROPERTY TYPE
5 agents . ~30 seconds . based on your market
VALUATION PIPELINE
Initializing...
1
COMPS
2
PER SQFT
3
MARKET
4
CONDITION
5
AVM
Permit Center
Know before you build
Select your job type and city. Get every permit requirement, inspection checklist, typical costs, and what inspectors actually look for - so you pass on the first try.
JOB TYPE
YOUR CITY
INSPECTION CHECKLIST - WHAT INSPECTORS LOOK FOR
Common inspection failures
How to pull your permit
PERMIT PACKAGE
Save the full permit guide
Inspector checklist . Exact fees . Portal links . What to say at the counter
FINANCING CENTER
Don't Let Money Stop the Repair
A $3,500 panel or $8,000 roof doesn't have to come out of savings. Calculate your IRA tax credits, explore home improvement financing, and understand all your payment options before you hire.
IRA TAX CREDIT CALCULATOR - Inflation Reduction Act 2022
The IRA created or expanded federal tax credits for home energy upgrades. These are dollar-for-dollar reductions in what you owe - not deductions. Credits reset every year.
PROJECT TYPE
TOTAL PROJECT COST
YOUR CREDIT
NET COST AFTER CREDIT
IRS FORM
5695
Primary residence only
Tax credits are not deductions - they reduce your tax bill dollar-for-dollar. You must owe at least that much in federal taxes to use them. Consult a tax professional for your situation. Credits reset Jan 1 each year.
HOME IMPROVEMENT LOAN OPTIONS
Compare your options before you hire. Financing a repair is often smarter than draining emergency savings - especially when the repair is urgent (FPE panel, failing furnace) and you have good credit.
AMOUNT TO FINANCE
CREDIT SCORE
TIMELINE
Your last estimate: -
POPULAR HOME IMPROVEMENT LENDERS
GreenSky
Contractor-enrolled
Home Improvement Specialist
Best for large jobs ($5K-$55K). Many contractors are enrolled - ask your contractor if they offer GreenSky financing. 0% deferred interest promos available. No prepayment penalty.
Marketplace that shows you multiple loan offers at once. Soft credit check only to pre-qualify (no score impact). Compares rates from 15+ lenders. Best for shopping around quickly.
Specializes in energy upgrades - HVAC, solar, insulation, windows. Works with IRA tax credits to help you maximize savings. Designed for projects that pay back over time through energy savings.
If you own your home and have equity, a HELOC or home equity loan typically offers the lowest rates of any option. Takes 2-4 weeks to close but worth it for large projects ($15K+). Interest may be tax-deductible.
RenoFi loans are based on the after-renovation value of your home - not current equity. Borrow up to 90% of what your home will be worth post-renovation. The only lender built specifically for major renovations.
No home equity required . Same-day funding available
Best for 700+ credit
LightStream's home improvement loan has no fees, no home appraisal, no collateral - money deposited same day if approved. Trulia rate-beat guarantee: they'll beat any competitor's offer by 0.10%. Best-in-class for good-credit borrowers.
Disclosure: TradeEstimator may receive a referral fee if you apply through our links. This does not affect our cost estimates or recommendations. *APR ranges shown are typical as of publication - rates change with the Fed funds rate and lender policies. Always compare multiple lenders before borrowing. Your home may be used as collateral for secured loans.
AI HOME INSPECTOR
Inspect Any Home Before You Buy
Upload photos or a walkthrough video. AI identifies every issue, flags safety risks, and gives a full repair cost estimate adjusted for the home's location.
SUPPORTS
Up to 20 photos
Video walkthrough
Zillow / Redfin URLs
LISTING URL - OPTIONAL (auto-fills details from Zillow or Redfin)
Paste any Zillow, Redfin, or Realtor.com listing URL
AI automatically loads all listing photos, fills in property details, and runs a full inspection - then gives you a negotiation playbook with the exact email to send your agent.
PHOTOS OR VIDEO
Drop photos here or click to upload
JPG . PNG . WebP . Up to 20 photos Include: exterior, roof, foundation, kitchen, bathrooms, basement, electrical panel, HVAC unit
Paste a Zillow, Redfin, or Realtor.com URL. All listing photos will be fetched automatically - no downloading needed.
STEP 1 - FETCH FROM LISTING URL
STEP 2 - ADD YOUR OWN PHOTOS (OPTIONAL)
Add photos from your own visit - photos you took yourself catch issues AI-enhanced listing photos hide (water damage, actual ceiling condition, real yard state).
Drop your own photos here or click to upload (optional)
Drop your walkthrough video here
MP4 . MOV . AVI Walk slowly through every room, basement, attic access, and around the exterior - AI extracts key frames automatically
Each timestamp is pinpointed in the report
CITY / MARKET
YEAR BUILT
HOME SIZE
ASKING PRICE
ZIP CODE NEIGHBORHOOD INTEL
STREET ADDRESS OPTIONAL — enables permit history search
Important: This AI report analyzes visible conditions in photos only. It is not a substitute for a licensed home inspection. Issues behind walls, under floors, or in inaccessible areas cannot be detected from photos. Always hire a licensed inspector before purchasing a property. Cost estimates may vary ±30-40% based on local conditions. Full disclaimer →
HOME VALUE . 5-AGENT AVM
Running...
COMPS
$/SQFT
MARKET
CONDITION
AVM
Quote Analyzer . Agent 6
You've used your free analysis
Unlock unlimited quote analyses and protect yourself from every overcharge.
Per Analysis
$4.99
One-time . Instant
Pro Monthly
$19.99/mo
All tabs unlimited
Unlimited quote analyses
AI counter-offer email generator
Save analyses to your history
All other tabs unlocked (GC Agent, Home Inspector)
AI General Contractor
You've used your free plan
Unlock unlimited renovation plans - every project, fully mapped out.
Per Plan
$9.99
One project
Pro Monthly
$19.99/mo
All tabs unlimited
Unlimited GC renovation plans
Full trade sequencing + critical path
Permit requirements by city
All tabs unlocked (Quote Analyzer, Home Inspector)
AI Home Inspector
Get the full inspection report
Your free scan is done. Unlock the full report with repair costs, defect severity, and negotiation guide.
Full Inspection Report
$14.99
One-time . PDF included . Share with your realtor
Full defect list with severity ratings
Estimated repair cost for every issue
Negotiation guide - exactly what to ask the seller to fix or credit
Downloadable PDF to share with your agent
Unlimited re-scans for same property
or
Get Your PDF Report
Valued at $4.99 . Yours for sharing
Share TradeEstimator.ai with one friend who owns a home. When they run their first scan, you both receive a PDF report.
tradeestimator.ai/?ref=loading...
- or pay $4.99 to get the report now -
Get Leads from TradeEstimator.ai
Homeowners who already know what they need and have seen a fair price range. Introductory pricing available.
Verified homeowners - not tire-kickers
They already saw a fair price range
Photo of actual problem included
Job type and city pre-qualified
$25/lead . Cancel anytime
Free estimates used
Enter your email for unlimited free estimates
You've run 5 free estimates. Enter your email to continue - free forever. We'll also send you your estimates and notify you when contractors are available.
TradeEstimator uses a multi-source pricing methodology. Material costs are validated against RSMeans 2024, the construction industry's standard cost database used by contractors, insurers, and government agencies. Labor rates are sourced from the Bureau of Labor Statistics Occupational Employment and Wage Statistics (BLS OEWS) survey, May 2024 release, covering hourly wages for electricians (SOC 47-2111), plumbers (SOC 47-2152), HVAC mechanics (SOC 49-9021), and roofers (SOC 47-2181) across 50+ metropolitan statistical areas.
Code compliance is checked against the National Electrical Code (NEC 2023, NFPA 70), International Plumbing Code (IPC 2021), and International Residential Code (IRC 2021). City-specific permit requirements are researched per municipality. The billed rate multiplier (typically 2.2–2.8× base wage) accounts for licensing, liability insurance, vehicle, tools, overhead, and profit margin — reflecting what homeowners actually pay, not what workers earn.
Every estimate is generated by five independent AI agents, each with a specialized role. Each agent sees the full output of the previous agents. The final Validator agent cross-checks all pricing against RSMeans ranges and flags any outliers. Estimates are for informational purposes — always obtain 3+ contractor quotes before committing to work.
Editorial standards
Expert-Informed, Data-Verified
Our pricing models, code references, and contractor guidance are developed in consultation with licensed tradespeople and validated against published industry data. All cost ranges cite their source (RSMeans, BLS, or manufacturer MSRP). We do not accept payment from contractors to influence estimates, and our recommendations are never sponsored.
AI-generated estimates include confidence ratings (tight, moderate, or rough) based on how much information is available. When photo quality is poor or a job is highly variable, the system tells you — it doesn't guess. This transparency is core to our editorial standard: if we can't give you a reliable number, we say so.
National cost reference — 2025
How Much Do Common Home Repairs Cost?
Below are national averages from RSMeans 2024, adjusted for 2025. Actual costs vary by city — use our free estimator above or browse city-specific pricing for 61 metros.
JOB
NATIONAL RANGE
PERMIT
SOURCE
Electrical panel upgrade (200A)
$1,800–$4,500
Required
RSMeans 2024
Whole-home PEX repipe
$4,500–$12,000
Required
RSMeans 2024
Gas furnace replacement (95% AFUE)
$3,000–$7,500
Required
RSMeans 2024
Asphalt roof replacement (1,500 sqft)
$8,000–$20,000
Required
RSMeans 2024
Knob & tube rewire (full home)
$15,000–$45,000
Required
RSMeans 2024
Water heater replacement (50 gal tank)
$1,200–$3,500
Required
RSMeans 2024
EV charger install (Level 2, 50A)
$800–$2,500
Required
RSMeans 2024
Central AC replacement (3-ton)
$4,500–$12,000
Required
RSMeans 2024
Prices reflect materials + labor for standard residential conditions. Add 15–40% for older homes (pre-1970), difficult access, or asbestos/lead remediation. City-specific rates available for 61 metropolitan areas. Federal tax credits of up to 30% may apply for HVAC, heat pumps, and insulation under the Inflation Reduction Act (IRS Form 5695).
PLATFORM OVERVIEW
12 Free AI Tools for Homeowners
AI Cost Estimator
Upload a photo of any home repair. Five AI agents identify the problem, check building code violations, and price it using RSMeans data adjusted to your city's BLS labor rates. Works for electrical, plumbing, HVAC, roofing, and structural issues.
AI Home Inspector
Upload listing photos from Zillow or Redfin. Five agents scan for defects, price repairs, flag code violations, build a negotiation strategy with a word-for-word email to the seller's agent, and search public permit records. Includes a recommended price reduction and walkaway threshold.
Quote Analyzer
Paste any contractor quote. The AI reverse-engineers every line item — materials markup, labor rate, overhead — and flags anything above market rate for your city. Identifies missing scope items and gives you specific negotiation scripts.
Interior Design Analyzer
Upload a room photo. Four agents identify the style era, score it against 2025 design trends, build a room-by-room modernization plan with costs, and advise which updates add resale value versus personal enjoyment.
AI General Contractor Planner
Describe any renovation project. The AI breaks it into trades, sequences the work, pulls permit requirements, estimates every phase, and flags common pitfalls — like a seasoned GC reviewing your project before you hire anyone.
DIY Guides
Every common home repair rated by real difficulty — not contractor bias. See what you can safely tackle, what tools you need, typical time to complete, and how much you save versus hiring. Safety warnings and permit requirements included.
Materials Hub
Live pricing from Home Depot and Menards for materials specific to your repair. Compares retail versus pro supply pricing. Shows which items to buy yourself versus letting the contractor supply.
Project Timeline Builder
Generates a Gantt-style timeline for your renovation with realistic durations, trade sequencing, permit lead times, and inspection milestones. Helps you hold contractors accountable to a schedule.
Permit Research
Select your city and trade type. The AI researches current municipal permit requirements, typical fees, required inspections, and whether you can pull the permit as a homeowner or need a licensed contractor.
Home Valuation
Enter your address to get an AI-powered home value estimate using comparable sales data. See how specific repairs affect your home's value and which renovations offer the best return on investment in your market.
Financing Calculator
Compare HELOC, personal loan, and contractor financing options for your project. Includes IRA tax credit guidance for qualifying energy-efficient upgrades — heat pumps, insulation, windows, water heaters.
Home Protection Comparison
Compare home warranty plans from major providers. See what's actually covered, deductible amounts, and real claim payout rates — not marketing promises. Helps you decide if a warranty makes sense for your home's age and condition.
Ready to get quotes from real contractors?
We'll send your AI estimate to 3 pre-screened, licensed contractors in your area
Shop This Job to Contractors
We'll send your AI estimate to up to 3 pre-screened, licensed contractors in your city. They email you directly with their quotes - no middleman.
WHAT CONTRACTORS WILL RECEIVE
-
-
-
-
Photo attached - contractors will see exactly what needs to be fixed
CONTRACTOR MUST CONFIRM IN THEIR QUOTE:
YOUR EMAIL - CONTRACTORS REPLY DIRECTLY TO YOU
We never share your email or sell your data. Contractors reply directly to you - we're just the matchmaker.
TRADE NEEDED (CONFIRM OR CHANGE)
Contractors typically respond within 24-48 hours. You pick who to hire - or hire nobody. No obligation.
Job Sent!
WHAT HAPPENS NEXT
Within 2-4 hours: Matched contractors receive your job details + photo
SMS Within 24-48 hours: Contractors email you directly with their quotes
When you have quotes: Paste them into the Compare Bids tab to see if anyone is overcharging
Reference price: Use your AI estimate ($-$) as your baseline
Email EMAIL PREVIEW - WHAT EACH CONTRACTOR RECEIVED
Welcome back
Sign in to access your saved estimates and job history
or sign in with password
Create your account
Save estimates, shop jobs to contractors, track your projects
By signing up you agree to our terms. We never sell your data. Contractor?Register here for the contractor portal.
Your estimate is ready
5 agents analyzed your photo - see results below
Want us to send you this estimate + match you with verified contractors?
We'll email your estimate and notify you when pre-screened contractors in your area are available. No obligation.
No spam.Unsubscribe anytime.No obligation to hire
TRADEESTIMATOR.AI
Home Inspection Report
Full 6-agent analysis with negotiation scripts, neighborhood intel, and valuation chart
ONE REPORT
$14.99
Single inspection
BEST VALUE
UNLIMITED
$19.99
All 14 tools / mo
WHAT'S IN YOUR REPORT
6-agent AI inspection — every visible defect found
Repair cost estimate with local labor rates (RSMeans 2024)
Valuation chart — asking vs fair value vs your true cost
Live permit + environmental risk research
PDF export for your agent or records
Stripe secure·256-bit SSL·Instant delivery
CONTRACTOR MATCHING
Find Verified Contractors
We'll send your AI estimate to 3 pre-screened, licensed contractors in your area. They see exactly what our AI found - no explaining required.
FIRST NAME
PHONE (OPTIONAL)
EMAIL *
TIMELINE
Your info is shared only with contractors you're matched with. We never sell your data. Photos are analyzed by Anthropic's API and not stored by us.
You're on the list.
We're verifying contractors in right now. You'll hear from up to 3 licensed, pre-screened contractors within 24-48 hours. They'll already have your AI estimate.
While you wait: Get 3 quotes minimum. Ask each contractor if they've seen the code violations our AI flagged. The good ones will already know what you're talking about.
VIDEO
Not an insurance agent. TradeEstimator is not a licensed insurance agent, broker, or financial advisor. All content in this tab is educational only - not a quote, not advice, not a solicitation. Market data is sourced from public records (NAIC, state DOI, Bankrate).
Referral disclosure: Partner links marked PARTNER may earn TradeEstimator a referral fee. This does not affect what we show you. Always verify coverage with a licensed agent in your state.
PROTECTION HUB . EDUCATIONAL TOOLS
Understand Your Coverage. Make Better Decisions.
4 AI agents pull live market data, analyze your coverage needs, assess your local risk profile, and build an action checklist - so you walk into any insurance conversation fully informed.
TELL US ABOUT YOUR HOME - 4 AGENTS WILL ANALYZE YOUR MARKET
HOME VALUE (est.)
CURRENT ANNUAL PREMIUM (if known)
YEAR BUILT
STATE
CITY / ZIP
SQUARE FEET
~30 seconds . live market data . educational only
INSURANCE INTELLIGENCE PIPELINE
Starting...
MARKET RATES
COVERAGE GAPS
RISK PROFILE
ACTION PLAN
STANDARD HO-3 POLICY COVERS
Fire and smoke damage
Lightning, windstorm, hail
Sudden/accidental water damage (burst pipe)
Theft and vandalism
Electrical surge damage
Detached structures (garage, fence) - usually 10% of dwelling
Personal property (usually 50-70% of dwelling value)
Additional living expenses if displaced
Liability if someone is injured on your property
TYPICALLY NOT COVERED - NEEDS SEPARATE POLICY
Flooding - requires NFIP or private flood policy
Earthquakes - separate rider required
Normal wear and tear / maintenance failures
Pest / termite damage
Construction defects
High-value jewelry over policy sublimit (usually $1K-$2K)
Business equipment used for work
Vehicles - covered under auto policy only
Sewer backup - often a low-cost rider worth adding
KEY TERMS - KNOW THESE BEFORE YOU SHOP
Replacement Cost vs. Actual Cash Value
Replacement Cost (RCV) pays to rebuild at today's prices. Actual Cash Value (ACV) deducts depreciation - often 30-50% less. Always insist on RCV.
Dwelling Coverage (Coverage A)
Should equal the rebuild cost - not the market value or what you paid. Rebuild cost is typically $120-$250/sqft depending on location and quality.
Deductible
What you pay before insurance kicks in. Higher deductible = lower premium. Wind/hail deductibles are often separate (1-5% of dwelling value in storm-prone states).
Extended / Guaranteed Replacement Cost
Covers rebuild costs even if they exceed your policy limit (usually +25-50%). Critical in areas with rapid construction cost inflation.
Liability Coverage
Pays if someone sues you for injury on your property. Standard $100K is often not enough - $300K-$500K is recommended by most financial planners.
Loss Assessment Coverage
For condo/HOA owners - covers your share of a shared-area claim that exceeds the HOA's master policy. Often overlooked, low cost.
GET QUOTES FROM LICENSED BROKERS
PAID REFERRAL DISCLOSURE - links below may earn TradeEstimator a fee
These are licensed insurance comparison platforms. Entering your info on their sites connects you directly with licensed agents or instant quotes. TradeEstimator does not see your information. Always get quotes from at least 3 sources - rates for identical coverage often differ significantly.
Before you get a quote, have ready: Year built, square footage, roof age and material, any recent renovations, current insurer and premium, claims history (past 5 years), security systems, pool or trampoline (affects liability).
YOUR VEHICLE DETAILS - AI WILL ANALYZE YOUR MARKET
VEHICLE YEAR
MAKE / MODEL
CURRENT MONTHLY PREMIUM
NUMBER OF VEHICLES
STATE
COVERAGE TYPE
YEARS SINCE LAST CLAIM / TICKET
Live state rate data . discount checklist . educational only
CAR INSURANCE INTELLIGENCE
Starting...
STATE RATES
VEHICLE PROFILE
DISCOUNT FINDER
COVERAGE CHECK
COVERAGE LEVELS EXPLAINED
Liability Only (State Min)
Covers damage you cause to others. Does NOT cover your own vehicle. Fine for high-mileage old cars worth under $4K. Risky if you have assets to protect.
Full Coverage
Adds comprehensive (theft, weather, animals) and collision (accidents) to liability. Required if you have a car loan or lease. Worth it on vehicles over $10K market value.
Uninsured Motorist
Covers you when hit by a driver with no insurance. About 1 in 8 drivers is uninsured nationally. Low-cost add-on that most financial advisors recommend.
Gap Insurance
If your car is totaled, pays the difference between what you owe and what the car is worth. Critical in first 2-3 years of a loan when depreciation is steepest.
Answer 4 questions. Agent calculates your expected annual repair spend versus warranty cost, accounting for your home's age, systems condition, and what's actually covered.
HOME AGE
SYSTEMS CONDITION
EMERGENCY SAVINGS
RECENT LARGE REPAIRS
TYPICALLY COVERED BY HOME WARRANTY
HVAC - heating and cooling systems
Plumbing - pipes, water heater, garbage disposal
Electrical systems and panels
Built-in appliances (oven, dishwasher, microwave)
Washer and dryer (with appliance plan)
Plumbing stoppages (drain/sewer line)
Water heater
WATCH OUT - COMMON EXCLUSIONS
Pre-existing conditions - known issues before coverage starts
Improper installation or maintenance failures
Structural components - foundation, roof framing
Windows, doors, exterior surfaces
Consequential damage from a covered failure
"Code upgrades" - bringing old systems up to current code
Parts no longer manufactured
HOME WARRANTY PROVIDERS
PAID REFERRAL DISCLOSURE
Always read the sample contract before purchasing. The exclusions section is where most warranty disputes originate. Ask specifically what service call fee is and how quickly they dispatch.
Real cost data from RSMeans 2024 and BLS contractor wage surveys. Updated quarterly. Every guide includes what drives the price up or down, red flags to watch for, and questions to ask your contractor.
Upload a photo of a home you're considering. Our AI scans for visible repair signals — roof aging, foundation cracks, HVAC condition, and exterior damage — and estimates your potential repair exposure before you hire an inspector.
Roof aging & damage detection
Foundation crack analysis
HVAC age signals
Exterior envelope condition
Not a home inspection. This tool identifies visible risk signals from photos to help you prioritize questions before hiring a licensed inspector. It cannot detect hidden issues like mold, electrical problems behind walls, or plumbing leaks. Always hire a qualified home inspector before closing.
Upload a Home Exterior Photo
Front . Back . Roof . Foundation . HVAC unit
JPG, PNG, HEIC — up to 20MB
Quick Risk Checklist
Check any issues you've noticed during a showing or drive-by. No photo needed.
INTERIOR INTELLIGENCE . AI STYLE AGENT
How Outdated Is Your Interior?
Upload a photo of any room. The AI identifies your style era, scores it against 2025 design trends, and builds a room-by-room modernization plan with real contractor costs.
Identifies style era (70s ranch → 2000s McMansion)
2025 trend score
Modernization cost by room
What adds resale value vs what doesn't
Upload a Room Photo
Kitchen . Bathroom . Living Room . Bedroom . Basement
JPG, PNG, HEIC - up to 20MB
4-Agent Design Intelligence Pipeline
Starting analysis...
STYLE ANALYST
COST PLANNER
ROI ADVISOR
4
DESIGNER VISION
AI is identifying style era, condition, and trend gaps