Before you begin
Separate a price change from simultaneous changes in limits, deductibles, forms, and discounts.
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Premium Change Review
| Done | Item and purpose | Your notes |
|---|---|---|
| Old and new premium Compare the same payment period and fees. | ||
| Dwelling limit Record changes to the insured amount. | ||
| Coverage limits Check other structures, contents, loss of use, and liability. | ||
| Deductibles Look for separate or percentage changes. | ||
| Policy forms Compare edition dates and endorsements. | ||
| Discounts Identify expired, reduced, or newly available credits. | ||
| Claims Ask whether reported losses affected rating. | ||
| Property data Check roof, age, protection, occupancy, and reconstruction inputs. | ||
| Taxes and fees Separate them from insurer premium when shown. | ||
| Comparable quotes Match coverage before deciding whether another quote is cheaper. |
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.