Before you begin
Compare insurers and policies using the same fields instead of comparing premium alone.
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Carrier Comparison Sheet
| Done | Item and purpose | Your notes |
|---|---|---|
| Insurer and legal company name Record the exact underwriting company, not only the consumer brand. | ||
| State license and availability Verify the company or agent with your state insurance department. | ||
| Policy form Record HO-3, HO-5, HO-6, HO-4, DP-3, or another form. | ||
| Dwelling limit Copy the limit and any extended or guaranteed replacement provision. | ||
| Property settlement Record replacement cost, actual cash value, and separate roof wording. | ||
| Deductibles List every applicable flat or percentage deductible. | ||
| Exclusions Note excluded causes of loss, property, uses, and conditions. | ||
| Endorsements Mark each requested addition as included, optional, or unavailable. | ||
| Claims access Record reporting channels, emergency access, and adjuster contact process. | ||
| Independent checks Save regulator, complaint, and financial-strength sources used. |
How to finish the review
- Mark uncertain answers instead of guessing.
- Attach the quote, declarations page, and form or endorsement that supports each answer.
- Ask the agent or carrier to resolve differences in writing.
- Repeat the same fields for every quote so price is compared on equal terms.