Coverage Comparison Worksheet
A cheaper premium often just means less coverage. The only honest comparison holds the coverage identical and looks at the total price: so start from your current declarations page and make every quote match the same limits and deductibles. Then compare apples to apples here.
Compare three quotes: identical coverage
Pull the limits and deductibles from your current declarations page first, then make every insurer quote the SAME. A lower price with lower limits isn't a better deal.
| Line item | Option A | Option B | Option C |
|---|---|---|---|
| Insurer | |||
| LIABILITY & LIMITS (keep identical) | |||
| Liability limits | |||
| Dwelling / Coverage A limit (home) | |||
| Personal property limit | |||
| Loss-of-use / additional living expenses | |||
| Uninsured / underinsured motorist (auto) | |||
| DEDUCTIBLES (keep identical) | |||
| Standard deductible | |||
| Wind/hail or hurricane deductible (% or $) | |||
| Other special deductibles | |||
| COVERAGE TYPE | |||
| Replacement cost or actual cash value? | |||
| Extended/guaranteed replacement cost? | |||
| Endorsements included | |||
| PRICE & DISCOUNTS | |||
| Total annual premium | |||
| Military / affinity discount applied? | |||
| Bundle discount? | |||
| Telematics required? (Y/N) | |||
| Payment plan | |||
Before you switch: checklist
Check each box once you have confirmed it. Empty boxes are your to-do list.
- I used my current declarations page as the baseline for all quotes.
- All three quotes have IDENTICAL limits and deductibles.
- All three use the same replacement-cost basis (not ACV vs RCV mix).
- I asked each about flood, water-backup, and other common gaps.
- I checked the wind/hail deductible (often a % of dwelling, not a flat $).
- I confirmed any military/affinity discount actually applied.
- I have a current home inventory (photos, serial numbers) stored off-site.
- I confirmed there's no coverage gap between old and new policy dates.
- For deployment: I understand storage coverage rules (and lender requirements).
- I verified the insurer's license/complaint record with my state department of insurance.
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