Before you begin
Gather the property, policy, and coverage details needed for a useful quote comparison.
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Home Insurance Quote Prep Worksheet
| Done | Item and purpose | Your notes |
|---|---|---|
| Occupancy and ownership Owner occupied, condo, renter, landlord, seasonal, vacant, LLC, or trust. | ||
| Year built and construction Verify square footage, materials, foundation, and attached features. | ||
| Roof Record age, material, shape, permits, and updates. | ||
| Major systems Document electrical, plumbing, HVAC, and water heater. | ||
| Reconstruction estimate Save the assumptions behind the dwelling limit. | ||
| Coverage limits Set comparison fields for dwelling, structures, contents, loss of use, and liability. | ||
| Deductibles Record all-peril and separate catastrophe deductibles. | ||
| Property exposures Disclose animals, pool, business use, rentals, and other material facts. | ||
| Prior insurance and claims Keep declarations, renewal, and loss-history information. | ||
| Protective features Document alarms, shutoff devices, sprinklers, and mitigation. | ||
| Lender details Prepare mortgagee wording and deadline when relevant. | ||
| Source documents Keep photos, receipts, permits, inspections, and quote PDFs together. |
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.