Compare in five passes
Match the form
Confirm the quote is for the same occupancy and ownership.
Normalize coverage
Use the same dwelling, contents, liability, and loss-of-use targets.
Convert deductibles
Translate every percentage deductible into a dollar amount.
Read exceptions
Compare exclusions, roof settlement, and endorsements.
Verify the insurer
Check licensing, complaint resources, and claims access.
Save the evidence
Keep the quote, forms, and written answers together.
Side-by-side quote table
| Field | Quote A | Quote B | Quote C |
|---|---|---|---|
| Insurer / underwriting company | |||
| Policy form | |||
| Dwelling limit | |||
| Dwelling settlement | |||
| Contents settlement | |||
| All-peril deductible | |||
| Wind / hail / storm deductible | |||
| Roof settlement or schedule | |||
| Key exclusions | |||
| Requested endorsements | |||
| Annual premium and fees | |||
| Unknowns to resolve |
What a cheaper quote may leave out
A price difference can come from a lower limit, higher or separate deductible, actual-cash-value settlement, excluded cause of loss, missing endorsement, or a property assumption that changes after inspection. Ask the carrier to explain material differences in writing.