| Coverage item | Quote 1 | Quote 2 | Quote 3 |
|---|---|---|---|
| Annual premium | |||
| Policy form | |||
| Dwelling or unit limit | |||
| Personal property limit | |||
| Liability limit | |||
| All-peril deductible | |||
| Wind / hail deductible | |||
| Roof settlement | |||
| Water-backup limit | |||
| Loss-assessment limit | |||
| Ordinance or law | |||
| Key exclusions |
How to compare without being misled by price
- Match the policy form and occupancy first.
- Normalize dwelling, personal-property, liability, and loss-of-use limits.
- Convert percentage deductibles to dollars using the applicable coverage limit.
- Record roof settlement and major exclusions.
- Add missing endorsements before deciding which quote is less expensive.
Deductible example: a 2% wind deductible applied to a $400,000 dwelling limit equals $8,000. Confirm which limit the percentage uses and whether a minimum applies.
Source standards
Use the declarations, forms, and endorsements supplied with each quote. This worksheet does not interpret coverage or recommend an insurer.