DeFi Insurance Calculator
Protocol cover priced like an actuary would: premium against your own probability estimate times realistic payout. The verdict changes fast with the probability you believe.
Results (live)
Estimates only, not financial advice. All math runs in your browser; nothing you type leaves this page.
How it works
expected payout = cover × hack probability × recovery rate
edge = expected payout − premium
Worked example
Covering $10,000 at 2.6% costs $260. If you think a 3% annual hack chance with 90% payout is fair, expected value is $270: roughly break-even insurance, worth it for sleep alone.
FAQ
What do these policies exclude?
Read carefully: many cover contract exploits but not oracle failures, depegs, governance attacks or frontend hacks. The exclusions are where claims die.
How do I estimate hack probability?
Audits, age, TVL history and past incidents. Honest answer: it is a guess. Run the calculator at your pessimistic and optimistic guesses and see if the answer changes.
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Estimates only, not financial, tax or investment advice. Verify numbers against your exchange or a professional before acting.