What to write down first
- Property address and occupancy.
- Year built, roof age, and major updates.
- Current limits, deductibles, and settlement basis.
- Endorsements tied to the risk being compared.
Before you compare quotes
| Step | Why |
|---|---|
| Write the exact limit | Small wording changes can affect quote comparison. |
| Mark deductible type | Flat and percentage deductibles are easy to confuse. |
| Ask what is excluded | Flood, earthquake, vacancy, and business use need review. |
| Save the source | Receipts, permits, and photos support underwriting answers. |