Home & contents
Discuss rebuilding details, belongings, detached garages, and special possessions.
Bring the detail
Prepare property address and construction details. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Water-related options
Ask about sewer backup, overland water, deductibles, and risk-reduction conditions.
Bring the detail
Prepare roof and building-system updates. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Occupancy & liability
Review rentals, basement suites, home businesses, and liability exposures.
Bring the detail
Prepare suite, rental, and business use. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Details that shape the comparison
Address and construction
Use actual property details and current building-system information.
Suites and occupancy
Describe rentals, renovations, business use and absences.
Water and rebuilding terms
Compare event-specific water options, deductibles and valuation assumptions.
Record two offers in your comparison worksheet →
Look at the whole picture
Separate policies may address different risks. Ask the provider to explain any gaps or overlaps, and keep written confirmation of the answers that matter to your circumstances.