Free checklist

Insurance policy checklist

Before you assume a policy covers the thing you care about, check these lines. Use this as a quick screen before you decide whether the full report is worth running.

1. 1Settlement basis: replacement cost usually pays very differently from actual cash value.
2. 2Separate deductibles: wind, hail, named storm, and percentage deductibles can be much larger than the main deductible.
3. 3Sub-limits: jewelry, electronics, mold, water backup, and special property often have separate caps.
4. 4Exclusions: flood, earth movement, business use, breed liability, and vacancy clauses are common surprise gaps.
5. 5Timing rules: notice deadlines, proof-of-loss deadlines, and repair documentation can matter after a claim.