Home insurance calculator

Find out what may be driving an escrow or force-placed insurance payment shock.

Choose the situation that fits, enter the numbers you have, and separate ongoing insurance or tax changes from temporary shortage catch-up and document issues.

About 2 minutes No contact info before results Shows temporary vs ongoing Not sure is okay

This is an estimate from the numbers you enter. Mortgage servicer statements and escrow analyses control actual payment amounts.

Calculate first

Start with the statement, notice, or renewal invoice in front of you.

You can use annual totals or the payment amount shown on each bill. The calculator annualizes the entered timing so the monthly impact is easier to understand.

What are you trying to figure out?

The rest of the result changes based on this situation.

Your situation

My mortgage payment just jumped Separate ongoing escrow changes from temporary shortage catch-up. I got an escrow shortage notice Estimate the monthly catch-up and what may remain after it ends. I changed insurance and want a future estimate Use expected premiums, taxes, and timing to estimate the next escrow impact. My taxes or insurance are changing soon Compare current and expected disbursements before the servicer analysis. I received a cancellation or force-placed notice Build the document checklist and payment warning first.

Payment and escrow numbers

Use the old/current and new/expected numbers you can find.

Old monthly mortgage payment Optional. Helps compare against the actual payment jump. New monthly mortgage payment Optional. Use the servicer's new payment if shown.

Homeowners insurance

Old/current amount Old/current timing New/expected amount New/expected timing

Property taxes

Old/current tax amount Old/current timing New/expected tax amount New/expected timing

Escrow shortage

Shortage amount Enter 0 or leave blank if no shortage is shown. Shortage plan

Optional: timing, escrow balance, and other escrowed items

Current escrow balance Next escrow analysis month Next insurance disbursement month Next tax disbursement month

Other escrowed item

Item name Old/current amount New/expected amount Timing

Optional contact details for later

You can skip this and still view results. It only helps if you send the summary.

First name Last name Email Phone State ZIP code Current carrier Renewal date Mortgage servicer or lender Notes

What this calculator is for.

It estimates the payment shock from entered homeowners premium changes, property tax changes, other escrowed items, and shortage repayment. It is especially useful when a fixed-rate mortgage feels like it changed because escrow changed.

What it does not decide.

It does not replace the mortgage servicer's escrow analysis, decide whether the servicer made an error, give legal or tax advice, bind coverage, or determine whether force-placed insurance was properly charged.

PureCover answers

Common escrow and force-placed questions this calculator is built to answer.

These answers explain the same review logic the calculator applies. Your servicer's statement, escrow analysis, policy documents, and required proof process still control.

Why did my fixed-rate mortgage payment go up?

A fixed-rate loan can still have a changing escrow portion. Insurance premiums, property taxes, other escrowed items, and shortage repayment can change even when principal and interest stay the same.

Why this matters: the calculator separates ongoing escrow increases from temporary catch-up so the payment jump is easier to read.