Reader resource
Policy Comparison Worksheet
Put two quotes on the same terms before deciding whether a price difference is meaningful.
Substantively updated September 7, 2026. Educational insurance information, not a quote or coverage promise.
Compare the same inputs
Rename the columns in your printed or saved copy. The example values are not price estimates.
| Term | Option A | Option B |
|---|---|---|
| Annual premium ($) | ||
| Property deductible ($) | ||
| Personal property limit | ||
| Valuation | ||
| Liability limit | ||
| Additional living expense | ||
| Electronics / business property | ||
| Jewelry / bicycles / collectibles | ||
| Water backup / earthquake options | ||
| Quote ID, form, and date |
A: annual premium + deductible$0
B: annual premium + deductible$0
Do not pick a winner from one number
The annual-premium-plus-deductible result is only a cash-planning prompt. Coverage causes, exclusions, limits, sublimits, valuation, insurer eligibility, claim service, and the exact policy form still matter.
Preserve
- Dated quote
- Declarations and endorsements
- Written answers
- Final issued policy