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Compare insurance quotes properly.

Most people compare the price and nothing else. That is how you end up with a policy that looks cheap until something happens. This worksheet gives you the columns to fill in and the questions to ask — the ones that matter in Florida specifically.

✓Three columns per page so you can lay quotes side by side and actually see the difference.
✓The hurricane deductible question. It is usually 2–5% of your dwelling coverage, not a flat $1,000. On a $400,000 home that is $8,000, and most people never ask for the figure.
✓Roof settlement. Replacement cost versus actual cash value. On a 15-year roof the difference is enormous.
✓What is NOT covered — flood, sinkhole, water backup. The gaps that catch Florida homeowners out.
✓Warning signs that a quote is not what it appears to be.

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What is in it

Three pages. Print it, or fill it in on screen.

Page one

Auto worksheet

Fifteen rows covering premium, liability limits, PIP, uninsured motorist, deductibles and discounts — plus the three questions people forget to ask.

Page two

Home worksheet

Sixteen rows built for Florida. Hurricane deductible, roof settlement, water and flood, and whether the carrier is admitted or surplus lines.

Page three

How to compare

Why three quotes is enough, why you must give every agent identical information, what to ask about exclusions, and the warning signs of a quote that is not what it seems.