The tools our own agents use, free.
Estimate rebuilding costs, decode a VIN or HIN, and check premium math. Use these free tools without an account, then bring your questions to our Michigan agency team.
Winter Prep Guides
Interactive and printable checklists for cottages, boats, classic cars, ATVs, UTVs, dirt bikes, and trailers.
Open toolHome Replacement Cost Estimator
Estimate rebuilding costs, review the assumptions and download a free PDF report.
Open toolCommercial Building RCE
Replacement cost for commercial buildings by construction class, occupancy, and size.
Open toolVIN Decoder
Look up manufacturer-reported vehicle specifications and check VIN transcription errors.
Open toolTrailer VIN Decoder
Look up travel, utility, cargo and boat-trailer VINs using NHTSA data.
Open toolWatercraft HIN Tool
Decode hull identification numbers for boats and PWCs.
Open toolProration Calculator
Estimate prorated premium changes and cancellation returns using exact dates.
Open tool45-Day Date Calculator
Count 45 calendar days forward from any date or backward from a policy expiration.
Open toolHome Inventory Checklist
Document your contents before a loss — the claim you hope never to file will thank you.
Open toolNeeds Assessment
A guided look at what you own, what you owe, and where the gaps are.
Open toolAsset & Liability Limit Estimator
Total your assets, apply RGC’s restored 2× planning method, and see the next liability-limit tier.
Open tool