Learn about CoverFormula's methodology, data sources, and the company behind the site.
CoverFormula provides free, browser-only calculators for life, disability, umbrella, COBRA, title, and PMI insurance. No data you enter is transmitted or stored — every calculation runs locally in your browser using JavaScript.
Written & fact-checked by the CoverFormula editorial team · Last reviewed 2026-07-15
Each calculator on this site is built around a documented, industry-standard rule of thumb — the DIME method for life insurance, standard income-replacement ratios for disability insurance, net-worth-based sizing for umbrella liability, the federal 2% COBRA administration fee cap, typical per-$1,000 title insurance rate structures, and the federal Homeowners Protection Act thresholds for PMI termination (78%/80% loan-to-value). None of these figures should replace an actual quote from a licensed professional — they exist to help you walk into that conversation already understanding the math.
CoverFormula is part of Gesmine-Invest Limited, registered UK company number 14120136, registered office address at Hardy House, 269 Poynders Gardens, London, London, United Kingdom, SW4 8PQ.