What your phone keeps
The estimator works out every figure inside the browser tab you are using. The state, amounts, ticks and quote you enter are not uploaded to typicalhomeinsurancecost.com, and no other company receives them through this site. No cookies are set. What the browser does keep, so the tools remember you next time, is listed key by key below; nothing else is written.
Browser storage, key by key
| Key in local storage | Contents | Kept for | Clearing it |
|---|---|---|---|
| thc-app | Estimator on the home page: state, rebuild cost, deductible, any quote typed in, the claim, new-build and flood ticks, credit choice and price step | Until you remove it; each change overwrites it | Clear this site's data in the browser settings |
| thc-map | State averages page: the state shown, the comparison state, the table's sort order | Until you remove it | Same as above |
| thc-ctry | Country page: the last country opened | Until you remove it | Same as above |
| thc-ded | Deductible calculator: premium, current and new deductible, dwelling limit | Until you remove it | Same as above |
| thc-flood | Flood calculator: current and full-risk premium, rebuild cost, belongings | Until you remove it | Same as above |
| thc-wind | Wind mitigation calculator: total and hurricane premium, discounts, the 2001-code tick, inspection price | Until you remove it | Same as above |
| thc-grant | Grant calculator: cost of the work, income band, the 60-or-older tick, year built, insured value, the eligibility ticks, expected saving | Until you remove it | Same as above |
| thc-roof | Roof rules checker: roof age and type, year built, dwelling limit, roof cost | Until you remove it | Same as above |
| thc-roofc | New roof calculator: state, material, area, slope, squares, roof age, deductible, depreciation rate | Until you remove it | Same as above |
| deck:/:hiapp on the home page; elsewhere one key per page and tool, built as deck: |
Up to five versions you chose to save on that page, each with the name you typed and its inputs | Until you remove them | The × on a slot or the button that empties every slot, or clearing site data |
| deckmode: |
Which mode you picked: Basics, More factors or Whole sum | Until you remove it | Pick another mode, or clear site data |
| theme | Light or dark colors, if you chose one | Until you go back to Match device | Choose Match device in the color switch |
| look | Classic or Nova appearance | Until you remove it | Clear site data |
The color and appearance choices are also copied into the tab's own name (as thm-theme= and lk-look=), so a page you open next in the same tab starts in the right colors even where storage is blocked; that copy disappears when the tab closes.
Offline copy of the site
After a first visit over https, a service worker keeps a copy of the site's own pages, styles, scripts and icons in Cache Storage, under a name that starts with v- followed by the build. It holds files from this site only, never anything you typed. A new version of the site replaces the old copy on your next visit; clearing this site's data or removing the installed app deletes it.
A spreadsheet only when you ask
Pressing a download button makes a CSV file on your device from figures already on screen. It goes wherever you save it, and nothing is sent anywhere in the process.
What the host's servers see
Cloudflare serves every page of this guide. Like any web server, it receives the IP address and browser details of each request, which it needs to deliver pages and keep attacks out. That data is not used by us to track anyone or build profiles. No analytics or advertising scripts run on the site.
Your rights in US states and elsewhere
A growing number of US states, and the EU's GDPR, give people the right to learn what personal information a business holds about them and to have it corrected or deleted. Using the calculators gives us nothing to hold, since the entries stay on your device. If you have emailed us, ask at [email protected] and we will send, correct or delete what we have.
When you write to us
An email is kept while the point it raises is open and deleted after that. We reply from it and put your address to no other use.
Who answers for this page
The operator of typicalhomeinsurancecost.com, reachable at [email protected].
Changes to this page
Any change to these terms applies from the date it is marked on this page.
Page reviewed: 2026-11-01
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Edited