Before you begin
Convert every deductible into a comparable out-of-pocket amount before choosing a quote.
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Deductible Comparison Worksheet
| Done | Item and purpose | Your notes |
|---|---|---|
| All-other-perils deductible Record the ordinary flat deductible. | ||
| Wind deductible Note whether it is flat or percentage based. | ||
| Hail deductible Check whether hail is separate from wind. | ||
| Hurricane deductible Record the trigger and percentage base where applicable. | ||
| Named-storm deductible Ask which weather events activate it. | ||
| Earthquake deductible Check whether separate coverage and percentage terms apply. | ||
| Flood deductibles Record building and contents deductibles separately. | ||
| Roof deductible Look for separate roof or cosmetic-damage wording. | ||
| Percentage conversion Multiply the stated percentage by the policy's defined base. | ||
| Premium difference Compare the annual savings with the additional amount at risk. |
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.