Understand before you choose
Compare What Your Insurance Offers Cover
A cheaper premium can come with different limits or claim terms. Bring two offers, identify the differences and prepare questions for your agent.
No signup. No automatic winner. Entries remain in this page's memory and clear when you reload. Avoid names, addresses, policy numbers or other personal information.
Use the same insured property or vehicles, coverage dates and requested limits. Leave a field blank if the offer does not explain it. Enter amounts as numbers without currency symbols or commas.
Your Side-by-Side Checklist
| What to compare | Offer 1 | Offer 2 |
|---|---|---|
| Annualized premium | Unknown | Unknown |
| Dwelling limit | Unknown | Unknown |
| Liability limits | Unknown | Unknown |
| Other-loss deductible | Unknown | Unknown |
| Wind/hail deductible in dollars | Unknown | Unknown |
| Settlement terms | Unknown | Unknown |
| Endorsements / optional coverages | Unknown | Unknown |
| Exclusions / conditions to check | Unknown | Unknown |
Annualized premium is arithmetic, not a renewal prediction. Include fees and installment charges separately. A percentage deductible uses the dwelling limit you enter; minimum deductibles, separate limits and policy terms may change the actual amount.
Ask These Questions Before You Decide
- Are the insured property, limits, term and deductibles the same?
- How does each policy settle a roof, vehicle or personal-property claim?
- Which exclusions, endorsements, waiting periods or coverage conditions apply?
- Is an optional coverage included, unavailable or simply missing from this offer?
- What remains unknown, and can the agent show it in the actual policy?
This worksheet is educational. It does not confirm coverage or recommend a policy. Ask TCDS how to share documents securely for a review.
