Shopping Checklist
Before switching home insurance, compare the policy behind the price.
Last updated June 2, 2026. A cheaper quote can help, but only if you understand the coverage, deductibles, limits, and insurer requirements.
Match the major coverage terms
Compare dwelling coverage, other structures, personal property, loss of use, liability, medical payments, replacement-cost terms, and ordinance or law coverage. If the limits differ, the premium comparison is not apples to apples.
Compare every deductible
Look beyond the main deductible. Wind, hail, hurricane, wildfire, earthquake, or water-related deductibles may be separate. A quote with a lower premium may shift more risk to you after a loss.
Ask about underwriting conditions
Some insurers may require roof documentation, home inspections, repairs, tree trimming, wildfire mitigation, or updated electrical, plumbing, or roof information. Ask before canceling the old policy.
Avoid gaps
Do not cancel an existing policy until the replacement policy is confirmed and effective. If you have a mortgage, confirm lender requirements and escrow timing before changing insurers.
Official resources
The CFPB explains the role of homeowners insurance in the homebuying process, and the NAIC provides consumer materials for comparing homeowners coverage. Start with CFPB homeowner insurance shopping guidance and the NAIC homeowners insurance consumer page.