Instead of looking up one address, state what you can afford and get back a list of homes that fit both a home-price budget and an insurance-premium budget.
Who this is for: home buyers (and agents shopping on a client's behalf). Where: the Search tab → Search By Budget tab (/check?mode=budget). Time: ~2 min.
When to use it
Use this when you're exploring an area rather than checking a specific home — especially if your monthly budget is tight and insurance cost could make or break affordability.
Steps
- Open the Search tab and click the Search By Budget tab (the Search tab
leads with a property search; this tab flips it to budget mode).
- Enter your budgets and area:
- Home-price ceiling (and optional floor).
- Insurance-premium ceiling — monthly or annual.
- Area — city, state, and/or ZIP.
- Run it. You get a list of matching properties, each with a **modeled insurance
premium and a fit badge**.
Reading the results
- Matches are sorted fits-both-budgets first, then cheapest premium.
- Every match is plotted as a pin on the map beside the budget form — click a pin to
see the address and open its report, the same map you get from an address search. To zoom it, hold Ctrl (⌘ on a Mac) while scrolling, or pinch with two fingers; a plain scroll moves the page, so the map never traps you mid-scroll.
- Each match shows price, estimated monthly/annual premium, a fit badge, a risk band,
and a link to the full property report.
- Save any match with the star, or click Pull report to open the full report —
matches flow into your saved/dashboard surfaces like any other property.
Client-side controls let you re-sort (best-fit / premium / price / lowest-risk) and filter (max risk band, fits-budget-only).
What the flags mean
- Modeled estimate — premiums here are modeled, so the whole result set carries the
"Modeled estimate" basis. Use it to compare and shortlist, not as a final bill.
- Thin inventory — the candidate pool is only as deep as properties previously searched
in that area (there's no bulk area ingestion), so a quiet area can return a short list. The UI flags this so you know the list is short because of coverage, not because nothing fits.
- Partial risk data — an un-assessed property gets a homeowners-only, low-confidence
estimate, flagged accordingly.
Metering
Shop-by-budget is metered like a property search (free tier: 1 lifetime; refunded if the search errors). Upgrade to run it repeatedly.
Troubleshooting
- Short or empty list → thin inventory for that area, or budgets set too tight. Widen
the area or raise a ceiling. See Search & reports.
- Premiums look approximate → they're a modeled estimate; that's expected.
Do this next
Open the best-fit match to confirm the details in its full report, then save your finalists.
- Reading a property report
- Mortgage calculator — turn a match into a full monthly payment
- Saving & comparing properties