Building & belongings
Review rebuilding cost, contents replacement, valuables, and detached structures.
Bring the detail
Prepare building age, construction, and renovations. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Personal liability
Discuss household activities, home businesses, rentals, and other exposures.
Bring the detail
Prepare roof, heating, plumbing, and electrical details. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Water & weather
Ask about sewer backup, overland water, exclusions, deductibles, and prevention conditions.
Bring the detail
Prepare contents and valuable-item inventory. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Details that shape the comparison
Building and systems
Age, construction, roof, plumbing and electrical updates inform the review.
Use and occupancy
Suites, rental use, renovations and business activities need disclosure.
Values and water options
Compare rebuilding, contents, water terms and deductibles consistently.
Record two offers in your comparison worksheet →
Look at the whole picture
Separate policies may address different risks. Ask the provider to explain any gaps or overlaps, and keep written confirmation of the answers that matter to your circumstances.