The Homeowner's 12-Month Insurance Checkup
A nine-line annual review that routinely finds several hundred dollars a year that homeowners never knew they were overpaying.
- The nine lines on your policy that actually control your premium
- Why your rate went up even though you never filed a claim
- The coverage gap that shows up on most policies after a renovation
- How to compare quotes without accidentally comparing different coverage
- The exact script for calling your current carrier first
Home insurance is the bill most households never re-examine. It renews automatically, the increase is small enough to ignore, and after six or seven years the gap between what you pay and what the market charges has quietly become significant.
This worksheet takes about twenty minutes with your policy in front of you. Most people who do it find two things: money they are wasting, and a coverage gap they did not know existed.
Start with the declarations page, not the price
Your declarations page is the first two pages of your policy. Everything that matters is there: dwelling coverage, personal property, liability limit, deductible, and any endorsements.
Write those five numbers down before you look at a single quote. Comparing premiums without comparing these is how people end up switching to a cheaper policy that covers less.
Check whether your dwelling coverage still matches reality
Dwelling coverage should reflect what it would cost to rebuild your home today, not what you paid for it. Construction costs have moved sharply, and a policy written years ago is often well short.
The opposite also happens. If your coverage was set based on purchase price rather than rebuild cost, you may be paying to insure land value that cannot burn down.
The rest is in the PDF
6 sections plus the printable checklist — the nine-line annual checkup. Free, and yours to keep or pass on.
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