Building vs Contents Coverage Allocator

ANA›Life Services Authority›National Calculator Authority›Building vs Contents Coverage Allocator

.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }

Building vs Contents Coverage Allocator

Allocates total property insurance coverage between building structure and personal/business contents based on replacement cost values, depreciation factors, and desired coverage ratios. Helps ensure neither building nor contents are under-insured.

Total Available Coverage Limit ($)

Building Replacement Cost Value - RCV ($)

Building Age (years)

Building Expected Useful Life (years)

Contents Replacement Cost Value - RCV ($)

Contents Average Age (years)

Contents Expected Useful Life (years)

Coverage Basis

Replacement Cost Value (RCV) Actual Cash Value (ACV) Hybrid (Building RCV / Contents ACV)

Coinsurance Requirement (%)

Calculate Allocation

function buiCalc() { var totalCoverage = parseFloat(document.getElementById('bui-total-coverage').value); var buildingRCV = parseFloat(document.getElementById('bui-building-rcv').value); var buildingAge = parseFloat(document.getElementById('bui-building-age').value); var buildingLife = parseFloat(document.getElementById('bui-building-life').value); var contentsRCV = parseFloat(document.getElementById('bui-contents-rcv').value); var contentsAge = parseFloat(document.getElementById('bui-contents-age').value); var contentsLife = parseFloat(document.getElementById('bui-contents-life').value); var basis = document.getElementById('bui-coverage-basis').value; var coinsurance = parseFloat(document.getElementById('bui-coinsurance').value);

var errors = []; if (isNaN(totalCoverage) || totalCoverage buildingLife) errors.push("Building age cannot exceed its useful life."); if (isNaN(contentsRCV) || contentsRCV contentsLife) errors.push("Contents age cannot exceed their useful life."); if (isNaN(coinsurance) || coinsurance 100) errors.push("Coinsurance must be between 0 and 100.");

var resultDiv = document.getElementById('bui-result'); if (errors.length > 0) { resultDiv.style.display = 'block'; resultDiv.innerHTML = 'Please fix the following:' + errors.map(function(e){ return ''; }).join('') + ''; return; }

// ── Depreciation (straight-line) ────────────────────────────────────────── // Depreciation Rate = Age / Useful Life // ACV = RCV × (1 − Depreciation Rate) var buildingDepRate = buildingAge / buildingLife; var contentsDepRate = contentsAge / contentsLife; var buildingACV = buildingRCV * (1 - buildingDepRate); var contentsACV = contentsRCV * (1 - contentsDepRate);

// ── Select insurable values based on coverage basis ─────────────────────── var buildingInsurable, contentsInsurable; if (basis === 'rcv') { buildingInsurable = buildingRCV; contentsInsurable = contentsRCV; } else if (basis === 'acv') { buildingInsurable = buildingACV; contentsInsurable = contentsACV; } else { // hybrid buildingInsurable = buildingRCV; contentsInsurable = contentsACV; }

var totalInsurable = buildingInsurable + contentsInsurable;

// ── Proportional allocation ─────────────────────────────────────────────── // Weight_Building = Building Insurable Value / Total Insurable Value // Weight_Contents = Contents Insurable Value / Total Insurable Value // Allocated_Building = Total Coverage × Weight_Building // Allocated_Contents = Total Coverage × Weight_Contents var weightBuilding = buildingInsurable / totalInsurable; var weightContents = contentsInsurable / totalInsurable; var allocBuilding = totalCoverage * weightBuilding; var allocContents = totalCoverage * weightContents;

// ── Coinsurance check ───────────────────────────────────────────────────── // Minimum Required Coverage = Insurable Value × Coinsurance % // Coinsurance Penalty applies if actual coverage = minRequiredBuilding; var contentsMeetsCoins = allocContents >= minRequiredContents;

// ── Coverage adequacy ───────────────────────────────────────────────────── var buildingAdequacy = (allocBuilding / buildingInsurable) * 100; var contentsAdequacy = (allocContents / contentsInsurable) * 100; var overallAdequacy = (totalCoverage / totalInsurable) * 100;

// ── Shortfall / surplus ─────────────────────────────────────────────────── var buildingGap = allocBuilding - buildingInsurable; var contentsGap = allocContents - contentsInsurable; var totalGap = totalCoverage - totalInsurable;

function fmt(n) { return '$' + n.toFixed(2).replace(/\B(?=(\d{3})+(?!\d))/g, ','); }
function pct(n)
function badge(ok) {
return ok
? '✓ Met'
'✗ Not Met'; } function adequacyColor(v) { if (v >= 100) return '#27ae60'; if (v >= 80) return '#f39c12'; return '#e74c3c'; }
var basisLabel = basis === 'rcv' ? 'Replacement Cost Value (RCV)'
basis === 'acv' ? 'Actual Cash Value (ACV)'
'Hybrid (Building RCV / Contents ACV)';

var html = '### Coverage Allocation Results ';

html += '' + '' + 'Metric' + 'Building' + 'Contents' + 'Total' + '';

var rows = [ ['RCV', fmt(buildingRCV), fmt(contentsRCV), fmt(buildingRCV + contentsRCV)], ['Depreciation Rate', pct(buildingDepRate100),pct(contentsDepRate100),'—'], ['ACV', fmt(buildingACV), fmt(contentsACV), fmt(buildingACV + contentsACV)], ['Insurable Value (' + basisLabel.split(' ')[0] + ')', fmt(buildingInsurable), fmt(contentsInsurable), fmt(totalInsurable)], ['Allocation Weight', pct(weightBuilding100), pct(weightContents100), '100.00%'], ['Allocated Coverage', ''+fmt(allocBuilding)+'', ''+fmt(allocContents)+'', ''+fmt(totalCoverage)+''], ['Min Required (Coinsurance)', fmt(minRequiredBuilding), fmt(minRequiredContents), fmt(minRequiredBuilding + minRequiredContents)], ['Coinsurance Satisfied', badge(buildingMeetsCoins), badge(contentsMeetsCoins), ''], ['Coinsurance Penalty Factor', pct(coinsPenaltyBuilding100), pct(coinsPenaltyContents100), ''], ['Coverage Adequacy', ''+pct(buildingAdequacy)+'', ''+pct(contentsAdequacy)+'', ''+pct(overallAdequacy)+''], ['Gap / Surplus', '=0?'#27ae60':'#e74c3c')+';">'+(buildingGap>=0?'+':'')+fmt(buildingGap)+'', '=0?'#27ae60':'#e74c3c')+';">'+(contentsGap>=0?'+':'')+fmt(contentsGap)+'', '=0?'#27ae60':'#e74c3c')+';">'+(totalGap>=0?'+':'')+fmt(totalGap)+''], ];

rows.forEach(function(r, i) { var bg = i % 2 === 0 ? '#f9f9f9' : '#fff'; html += '' + '' + r[0] + '' + '' + r[1] + '' + '' + r[2] + '' + '' + r[3] + '' + ''; }); html += '';

// Coinsurance penalty example html += '' + 'Coinsurance Penalty Example' + 'If a ' + fmt(buildingInsurable * 0.2) + ' building loss occurs and coinsurance is ' + (buildingMeetsCoins ? 'met' : 'NOT met') + ':' + 'Effective Payout = Loss × (Allocated / Min Required) = ' + fmt(buildingInsurable * 0.2) + ' × ' + pct(coinsPenaltyBuilding * 100) + ' = ' + fmt(buildingInsurable * 0.2 * coinsPenaltyBuilding) + '' + '';

// Recommendation var recs = []; if (!buildingMeetsCoins) recs.push('Increase building coverage to at least ' + fmt(minRequiredBuilding) + ' to satisfy the ' + pct(coinsurance) + ' coinsurance clause and avoid claim penalties.'); if (!contentsMeetsCoins) recs.push('Increase contents coverage to at least ' + fmt(minRequiredContents) + ' to satisfy the coinsurance requirement.'); if (buildingAdequacy ' + 'Recommendations' + recs.map(function(r){ return '' + r + ''; }).join('') + '';

resultDiv.style.display = 'block'; resultDiv.innerHTML = html; }

#### Formulas Used

Straight-Line Depreciation Rate: Depreciation Rate = Age ÷ Useful Life

Actual Cash Value (ACV): ACV = RCV × (1 − Depreciation Rate)

Insurable Value is RCV, ACV, or hybrid depending on the selected coverage basis.

Proportional Allocation Weight: WeightBuilding = Building Insurable Value ÷ (Building + Contents Insurable Value) WeightContents = 1 − WeightBuilding

Allocated Coverage: AllocatedBuilding = Total Coverage × WeightBuilding AllocatedContents = Total Coverage × WeightContents

Coinsurance Minimum Required: Min Required = Insurable Value × Coinsurance %

Coinsurance Penalty Factor: Penalty Factor = min(1, Allocated Coverage ÷ Min Required) Effective Payout = Loss Amount × Penalty Factor

Coverage Adequacy: Adequacy % = (Allocated Coverage ÷ Insurable Value) × 100

#### Assumptions & References

More Calculators

References

Related Authorities

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