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MAKE THE TERMS MAKE SENSE

Compare auto and home insurance coverage side by side

Compare two or three auto or homeowners policies. Record limits, deductibles, exclusions and settlement terms, then copy questions for each provider.

Reviewed 2026-10-14How we reviewSuggest a correction
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COMPARE MORE THAN THE PRICE

What happens if…?

Choose what each policy says about the situations below. “Not sure” becomes a question to ask your provider. Add exact limits or deductibles only if you know them.

Optional · Saves prices and notes in this browser tab for 30 minutes after an edit. They are not sent to us or a provider. Uncheck to remove the saved copy.

Saving is off. Without a saved copy, leaving or reloading clears your entries.

Add quoted prices and policy periods (optional)
Option A
Option B

Enter each complete quoted premium. Fees outside that premium are not included here. Shorter terms are annualized assuming unchanged renewals.

Injuries or damage you cause

Liability · Injuries or property damage you cause to others, subject to fault, limits and policy terms.

Option A: add limits or notes
Option B: add limits or notes

Does not repair your own car. Compare per-person and per-accident limits.

Your car is damaged in a crash

Collision · Damage to your car from a covered collision.

Option A: add limits or notes
Option B: add limits or notes

Usually has its own deductible; check valuation and exclusions.

Theft, hail and other non-crash damage

Comprehensive · Certain non-collision losses such as theft, hail or fire.

Option A: add limits or notes
Option B: add limits or notes

The name does not mean every possible loss is covered.

Another driver has too little insurance

UM / UIM · Certain losses involving drivers with no or insufficient coverage.

Option A: add limits or notes
Option B: add limits or notes

Availability, limits and required offers depend on state law.

Medical costs after a car accident

Medical / PIP · Certain medical expenses and, for some PIP policies, additional benefits.

Option A: add limits or notes
Option B: add limits or notes

State rules and coordination with other coverage vary.

0 of 10 policy items noted. This is a worksheet, not a coverage score. Your notes stay in this page, including when you switch between car and home.

Policy language, endorsements and state requirements determine coverage. This worksheet compares your entries; it does not interpret policy wording, establish adequate limits or select a policy. For home insurance, check roof, dwelling and belongings settlement separately and use the policy's stated basis for any percentage deductible.

Sources: NAIC: Auto insurance coverage ↗ Checked October 12, 2026. Methodology v1.1.

Questions covered in this guide

What can you compare with this worksheet?

Use actual auto or homeowners proposals to compare coverage categories, limits, deductibles and notes side by side. The worksheet organizes information you supply; it does not retrieve quotes or verify that a loss is insured. Select “not sure” when a proposal does not answer the question. Matching checkboxes are a starting point, not proof that the contracts provide identical protection.

Which documents should you have nearby?

Collect the same types of information for each option:

  • Proposal or declarations page, effective dates and policy period.
  • Premium, fees and payment schedule.
  • Coverage limits and the deductible for the specific loss being compared.
  • Relevant exclusions, endorsements and settlement language.
  • Questions the issuing insurer has not answered yet.

If a summary points to an endorsement, request the actual wording. Keep the document date with your notes so an older version is not mistaken for the current offer.

What matters in an auto insurance comparison?

Separate protection for harm to others from protection for your own vehicle. NAIC’s auto overview explains the broad distinction among liability, collision and comprehensive. In the worksheet, record the actual limits and deductibles rather than relying on “full coverage” as a specification. The auto coverage guide explains the categories; the quote checklist focuses on matching proposals.

What matters in a homeowners comparison?

Record building, roof and belongings terms separately when the proposal treats them differently. Check the stated settlement basis and the trigger for each special deductible. NAIC’s homeowners guide is a starting reference; your policy wording controls the comparison. Use the homeowners coverage guide to organize exclusions and the settlement comparison to examine the terms more closely.

Worked example: two “included” entries can still differ

Illustrative policy notes: both options list roof coverage. A says replacement cost with a $2,500 deductible. B lists a depreciation schedule and a 2% wind/hail deductible. The entries are not equivalent just because both are marked included. Ask B what dollar basis the percentage uses and when the roof schedule applies; ask A about exclusions and any separate wind/hail terms. This example does not predict either policy’s claim payment.

What should you do with the unresolved questions?

Copy the questions for each provider and request written clarification. Revisit a row when the answer arrives rather than assuming blank details mean the same thing. Compare premiums only alongside those answers. The worksheet does not rank insurers or select the cheapest option; it helps expose the remaining decision. Use deductible scenarios when the compared terms fit that tool’s flat-deductible assumptions.

Putting it into practice

The same coverage checkbox can hide different limits, deductibles or settlement language. Matching the recorded details and isolating unresolved terms is more informative than assigning a policy a single numerical score.

Sources and supported claims

NAIC distinguishes liability, collision and comprehensive coverage.
Source ↗ · national · Checked 2026-10-13

NAIC advises reviewing homeowners coverage, deductibles and policy exclusions when comparing policies.
Source ↗ · national · Checked 2026-10-13

More help with this decision

Sources & scope

NAIC: Auto insurance coverage ↗
National education; policy and state requirements vary · Checked 2026-10-12

NAIC: Homeowners insurance consumer guide ↗
General coverage, exclusions, deductibles; policy wording controls · Checked 2026-10-12

Texas Department of Insurance: Auto insurance shopping checklist ↗
Texas consumer guidance; comparison questions are useful elsewhere, but state rules differ · Checked 2026-10-12

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