Understand the protection
behind the policy.

01 / Auto

More than a single coverage.

Auto policies can include liability, protection for damage to your vehicle, medical-related coverage and protection involving uninsured drivers. Your policy explains the terms and exclusions.

Questions for your provider

• Which coverages and limits are included in this quotation?
• Are the limits and deductibles the same as the other quote?
• How does vehicle use affect the terms?

02 / Home & renters

Look closely at what is covered.

Home insurance can protect the building, belongings and liability, subject to its terms. Renters should review protection for their own belongings and liability with a licensed provider.

Questions for your provider

• Does the quote use replacement cost or actual cash value?
• Are there separate wind, hail or catastrophe deductibles?
• What flood or other exclusions apply?

03 / Life & health

Prepare a more complete conversation.

Use official resources to understand the product before deciding what fits. Bring questions about dependants and commitments to a life-insurance discussion, and about care needs to a health-insurance discussion.

Questions for your provider

• What is covered, excluded or limited?
• What costs remain my responsibility?
• What can change at renewal or over the policy term?

Before you commit

Keep a comparison record.

Ask for written quotations and policy information. Keep the same assumptions across your requests and check licensing through your state insurance department.

A worksheet total cannot tell you which policy is suitable. Review protection, exclusions, service and affordability together.