Policy Comparison Checklist

After you finish

Save the completed worksheet with the quote, policy, lease, or claim file it relates to. Revisit it after a move, renewal, major purchase, or loss.

Worksheet

Field	Quote A	Quote B	Quote C
Personal property limit
ACV or replacement cost
Liability limit
Deductible
Loss of use / ALE
Key sublimits
Endorsements
Annual premium

Compare Quotes on Equal Terms

Use one row per quote so a low premium is not hiding a higher deductible, lower limit, or different valuation method.

Use the same rental address and effective date for every quote.
Match the same personal-property and liability limits.
Record actual cash value versus replacement cost.
Write down exclusions or endorsements that change the comparison.
Save the quote date and final policy form.

Decision record

Make the checklist produce evidence

A checked box is useful only when it points to a document, decision, or unanswered question. Add the date, policy or quote identifier, and the location of supporting records so the checklist can be reviewed later.

Record	What to capture	Why it matters
Document	Policy, lease, receipt, photo, letter	Store a copy outside the rental
Decision	Selected limit, deductible, valuation	Record why it fits the household
Open question	Who must answer and by when	Do not convert uncertainty into a fact

Use this record for Policy Comparison Checklist, then verify the answer in the current policy or with a licensed insurance professional.

Reference Sources

Use public insurance resources and your policy documents to confirm definitions, consumer contacts, and coverage limits before buying or filing a claim.