Home Insurance Coverage Review Checklist

Use this before renewal, after a major property change, or when comparing policies. Your progress is saved only in this browser.

Confirm every named insured and the property address.Verify occupancy, mailing address, mortgagee, and policy dates.Review the dwelling limit and how it was estimated.Check other structures, personal property, loss of use, liability, and medical payments limits.Calculate the base deductible in dollars.Calculate every wind, hail, hurricane, named-storm, earthquake, or other percentage deductible.Look for water backup, service line, equipment breakdown, and ordinance or law endorsements.Review roof settlement, cosmetic damage, matching, and actual cash value restrictions.List jewelry, art, collectibles, business property, firearms, and other property with special limits.Confirm flood and earthquake decisions separately.Review wildfire, coastal, freeze, hail, tornado, sinkhole, and other location risks.Update the home inventory and off-site backup.Save roof, electrical, plumbing, HVAC, mitigation, renovation, and inspection records.Review claims and confirm completed repairs are documented.Ask about inspections, payment plans, fees, minimum-earned premiums, and cancellation terms.Confirm the renewal date and start shopping early if there is a concern.

This checklist does not determine the coverage you need. Use it to organize questions for a licensed insurance professional.

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Educational information only. Coverage depends on the policy, endorsements, exclusions, limits, deductibles, facts, and applicable law.