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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.

Your data stays on your device. Nothing you type here is sent to StandWatch or anyone else. This is just a printable form — fill it in, print or save the PDF, and it's yours.

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 itemOption AOption BOption 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
Replacement cost vs. actual cash value matters a lot. Actual cash value subtracts depreciation — a cheaper premium with ACV can leave you far short after a loss. Make sure all three quotes use the same basis before comparing price.
Common gaps to ask about: flood (usually NOT covered by standard home insurance), earthquake, water/sewer backup, ordinance-or-law, equipment breakdown, and sublimits on jewelry/electronics/tools. Confirm what's excluded, not just what's covered.

Before you switch — checklist

Check each box once you have confirmed it. Empty boxes are your to-do list.

For information purposes only. This worksheet is a free educational tool, provided "as is," to help you organize and compare offers — it is not financial, tax, legal, or insurance advice, not a quote or appraisal, and not a guarantee of savings, rates, or eligibility. Terms, prices, and rules change and vary; verify everything with the provider, official sources, and a licensed professional before acting. StandWatch is not an insurer, agent, or broker, and does not quote or bind coverage. Nothing you enter here is transmitted to StandWatch.