Decision tool / Compare the wording

Keep the policy differences in view.

Compare two or three actual proposals, record the wording and keep unanswered questions visible before discussing terms with a licensed partner.

Record actual wording from two or three proposals. Keep missing details and exclusions visible. This workspace does not score policies, verify coverage or choose a winner.

Your notes stay in page memory. Save a local file before leaving if you want to reopen the comparison; reloading clears unsaved entries. Do not put account numbers or sensitive documents here.

Set up your comparison

Proposal 1 label

18 of 18 items still need detail or clarification.

Proposal 2 label

18 of 18 items still need detail or clarification.

“Recorded from documents” counts as detailed only when you also enter the wording or reference. Recording an exclusion or separate proposal does not resolve the resulting coverage difference.

Record the terms and questions

Use, parties and timing

Named insured and ownership Define term

Which people or entities are insured, and under which provisions?

Proposal A

Review status · Proposal A · Named insured and ownershipWording / reference · Proposal A · Named insured and ownership

Proposal B

Review status · Proposal B · Named insured and ownershipWording / reference · Proposal B · Named insured and ownership

Accepted property use

Record the units, tenancy, guest activity, business use and any restrictions.

Proposal A

Review status · Proposal A · Accepted property useWording / reference · Proposal A · Accepted property use

Proposal B

Review status · Proposal B · Accepted property useWording / reference · Proposal B · Accepted property use

Vacancy and work conditions

Record definitions, duties, notifications and construction or occupancy handoffs.

Proposal A

Review status · Proposal A · Vacancy and work conditionsWording / reference · Proposal A · Vacancy and work conditions

Proposal B

Review status · Proposal B · Vacancy and work conditionsWording / reference · Proposal B · Vacancy and work conditions

Effective dates and conditions Define term

Distinguish a quote from an issued arrangement; record outstanding requirements.

Proposal A

Review status · Proposal A · Effective dates and conditionsWording / reference · Proposal A · Effective dates and conditions

Proposal B

Review status · Proposal B · Effective dates and conditionsWording / reference · Proposal B · Effective dates and conditions

Property and valuation

Building limit and value basis Define term

Record the limit, scheduled property and valuation or coinsurance conditions.

Proposal A

Review status · Proposal A · Building limit and value basisWording / reference · Proposal A · Building limit and value basis

Proposal B

Review status · Proposal B · Building limit and value basisWording / reference · Proposal B · Building limit and value basis

Roof settlement Define term

Record depreciation, schedules, matching restrictions and replacement conditions.

Proposal A

Review status · Proposal A · Roof settlementWording / reference · Proposal A · Roof settlement

Proposal B

Review status · Proposal B · Roof settlementWording / reference · Proposal B · Roof settlement

Owner contents and improvements Define term

Record the insured items and any smaller limits. Keep tenant property separate.

Proposal A

Review status · Proposal A · Owner contents and improvementsWording / reference · Proposal A · Owner contents and improvements

Proposal B

Review status · Proposal B · Owner contents and improvementsWording / reference · Proposal B · Owner contents and improvements

Ordinance or law Define term

Record covered costs, triggers and limits for any code-related provisions.

Proposal A

Review status · Proposal A · Ordinance or lawWording / reference · Proposal A · Ordinance or law

Proposal B

Review status · Proposal B · Ordinance or lawWording / reference · Proposal B · Ordinance or law

Causes, exclusions and separate policies

Covered causes and exclusions Define term

Record the actual form and endorsements, including relevant restrictions.

Proposal A

Review status · Proposal A · Covered causes and exclusionsWording / reference · Proposal A · Covered causes and exclusions

Proposal B

Review status · Proposal B · Covered causes and exclusionsWording / reference · Proposal B · Covered causes and exclusions

Wind and hail

Where are wind/hail terms provided? Record any separate policy and event conditions.

Proposal A

Review status · Proposal A · Wind and hailWording / reference · Proposal A · Wind and hail

Proposal B

Review status · Proposal B · Wind and hailWording / reference · Proposal B · Wind and hail

Flood Define term

Record an actual flood proposal or exclusion, including building and contents terms.

Proposal A

Review status · Proposal A · FloodWording / reference · Proposal A · Flood

Proposal B

Review status · Proposal B · FloodWording / reference · Proposal B · Flood

Water backup and other water Define term

Record the wording, cause, limits and exclusions rather than treating all water alike.

Proposal A

Review status · Proposal A · Water backup and other waterWording / reference · Proposal A · Water backup and other water

Proposal B

Review status · Proposal B · Water backup and other waterWording / reference · Proposal B · Water backup and other water

Earthquake / earth movement

Record included, excluded, separate or unresolved causes and terms.

Proposal A

Review status · Proposal A · Earthquake / earth movementWording / reference · Proposal A · Earthquake / earth movement

Proposal B

Review status · Proposal B · Earthquake / earth movementWording / reference · Proposal B · Earthquake / earth movement

Deductibles, income and liability

Deductibles and dollar basis Define term

Record each applicable deductible, event and contractual basis before doing arithmetic.

Proposal A

Review status · Proposal A · Deductibles and dollar basisWording / reference · Proposal A · Deductibles and dollar basis

Proposal B

Review status · Proposal B · Deductibles and dollar basisWording / reference · Proposal B · Deductibles and dollar basis

Income protection Define term

Record covered-event triggers, calculation, limits, waiting periods and restoration terms.

Proposal A

Review status · Proposal A · Income protectionWording / reference · Proposal A · Income protection

Proposal B

Review status · Proposal B · Income protectionWording / reference · Proposal B · Income protection

Liability and shared limits Define term

Record occurrence/aggregate limits, insured activities and any shared or underlying requirements.

Proposal A

Review status · Proposal A · Liability and shared limitsWording / reference · Proposal A · Liability and shared limits

Proposal B

Review status · Proposal B · Liability and shared limitsWording / reference · Proposal B · Liability and shared limits

Price and evidence

Premium, fees and policy term Define term

Record the actual quoted period, premium, taxes, fees and installment terms separately.

Proposal A

Review status · Proposal A · Premium, fees and policy termWording / reference · Proposal A · Premium, fees and policy term

Proposal B

Review status · Proposal B · Premium, fees and policy termWording / reference · Proposal B · Premium, fees and policy term

Documents and open questions Define term

Record form/endorsement references and who must clarify the unanswered questions.

Proposal A

Review status · Proposal A · Documents and open questionsWording / reference · Proposal A · Documents and open questions

Proposal B

Review status · Proposal B · Documents and open questionsWording / reference · Proposal B · Documents and open questions

Keep the comparison with the documents

Use the deductible calculator once you have the actual dollar basis, or the budget comparison for quoted premium and fees.

Take unresolved questions to the existing partner inquiry →

No entries are sent to Jotform, placed in the URL, or saved to a server by this tool.

Policy comparison summary

POLICY TERMS COMPARISON
User-entered notes; not verification of coverage, an insurer offer or a policy ranking.
An exclusion or separate proposal remains a difference to review, even when its wording has been recorded.

USE, PARTIES AND TIMING
Named insured and ownership
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

Accepted property use
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

Vacancy and work conditions
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

Effective dates and conditions
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

PROPERTY AND VALUATION
Building limit and value basis
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

Roof settlement
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

Owner contents and improvements
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

Ordinance or law
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

CAUSES, EXCLUSIONS AND SEPARATE POLICIES
Covered causes and exclusions
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

Wind and hail
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

Flood
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

Water backup and other water
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

Earthquake / earth movement
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

DEDUCTIBLES, INCOME AND LIABILITY
Deductibles and dollar basis
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

Income protection
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

Liability and shared limits
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

PRICE AND EVIDENCE
Premium, fees and policy term
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

Documents and open questions
Proposal A: Not entered / unknown — No detail recorded; confirm the wording.
Proposal B: Not entered / unknown — No detail recorded; confirm the wording.

Take unresolved questions and the actual documents to the licensed partner. This tool does not choose a policy.

Compare terms with their source documents

This is a recording workspace. A completed cell means you recorded information, not that the information has been verified or the policy is suitable. An exclusion or separate proposal remains a substantive difference to discuss.

Use the full comparison guide and its sources. The Texas Department of Insurance consumer guide illustrates why actual causes, exclusions and settlement provisions matter; state-specific rules and residential examples do not establish every rental or commercial form.