Compare quotes without giving up the coverage story.

Before you request quotes

• Write down last year's premium, new premium, and renewal month.
• Compare dwelling coverage, personal property, liability, loss-of-use, and ordinance or law limits.
• Write down every deductible, including wind, hail, hurricane, wildfire, or percentage deductibles.
• Check roof settlement terms and any new exclusion or limitation.
• Decide whether you need separate flood, earthquake, or other hazard coverage.

Red flags while shopping

• The quote is cheaper because the deductible is much higher.
• The quote lowers dwelling coverage below realistic rebuilding cost.
• The quote changes roof claims to actual cash value or restricts wind/hail losses.
• The provider requires phone consent before showing anything useful.
• The quote does not clearly show effective date, replacement cost terms, or exclusions.

Use RateReceipt first

Run the Renewal Risk Score and Quote Comparison Worksheet before you leave the site. They are informational tools and do not require your name, phone, address, ZIP code, policy number, or documents.

Run the Renewal Risk Score and open the quote worksheet.

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