Privacy Policy

Effective Date: June 18, 2026

Our Promise: Zero Data Collection

HomeInsureCalc does not collect, store, process, or transmit any personal information. This is not a marketing claim — it is a technical fact. All insurance calculations run entirely within your web browser using JavaScript. Your property details, financial information, and calculation results never leave your device.

Information We Do NOT Collect

• Personal identifiers: Name, email address, phone number, mailing address, IP address (not logged)
• Property information: Home address, square footage, year built, rebuild cost estimates
• Financial data: Credit score ranges, coverage amounts, premium estimates
• Usage data: Pages visited, time on site, interactions (no analytics)
• Device information: Browser type, operating system, screen resolution

Local Storage

The only data stored is your calculator inputs and saved scenarios, which are kept in your browser's localStorage. This data:

• Never leaves your device
• Is only used to restore your previous inputs when you return
• Can be deleted at any time by clearing your browser data or using the "Clear All" option
• Is not accessible to us or any third party

Cookies

Our calculator tool does not set any first-party cookies. However, third-party advertising partners (including Google AdSense) may set cookies in your browser to serve relevant advertisements and measure ad performance. These cookies are governed by the respective third-party privacy policies. See the Cookies & Advertising section above for opt-out options.

Cookies & Advertising

HomeInsureCalc itself does not use any cookies for tracking, analytics, or advertising purposes. However, we partner with Google AdSense and other third-party advertising networks to display advertisements on our site, which helps keep our calculators free for everyone.

• Third-Party Ad Serving: Google and other third-party vendors use cookies to serve ads based on your prior visits to our site and other websites.
• Google's Use of the DART Cookie: Google uses the DoubleClick DART cookie to serve ads based on your browsing history. You can opt out of the DART cookie by visiting the Google Ad and Content Network Privacy Policy.
• Interest-Based Advertising: These third-party cookies enable interest-based advertising (also known as personalized or behavioral advertising).
• Your Choices: You can manage your ad preferences or opt out of personalized advertising through YourAdChoices (DAA), NAI Consumer Opt-Out, or Google's Ads Settings.

Third-Party Services

We use the following third-party resources, which may have their own privacy practices:

• Google AdSense: We display advertisements served by Google AdSense. Google uses cookies to serve ads based on your browsing history. See Google's Privacy Policy and Google Ad Policies.
• Chart.js: Loaded from jsdelivr CDN to render charts. Their privacy policy applies to the CDN request.
• Cloudflare: Our hosting provider. Cloudflare may process technical connection data as part of content delivery. See Cloudflare's Privacy Policy.

Children's Privacy

HomeInsureCalc is not directed at children under 13. We do not knowingly collect any information from children.

Your Rights

Since we (HomeInsureCalc) collect no personal data, there is nothing for us to access, correct, delete, or port regarding your use of our calculators. All calculator data is under your exclusive control in your browser's localStorage.

For data collected by third-party advertisers (such as Google AdSense), please refer to their respective privacy policies and opt-out mechanisms. You can manage Google ad personalization at Google Ad Settings.

Changes to This Policy

If our privacy practices change, we will update this page. Because we collect no data, changes are unlikely. This policy was last reviewed in June 2026.

Contact

Questions about privacy? Contact us.