Start with the blank worksheet
Download the home insurance quote comparison worksheet (CSV). Open it in your agency’s approved spreadsheet tool. It has one column for the current policy, two for proposed options, and separate columns for source references, differences to discuss, and outstanding questions.
The file is intentionally blank. It contains no customer example, premium assumption, or recommended limit. Add or remove rows to match the actual documents and the scope of the review.
This is an agency working document, not a Homefield quoting feature or a replacement for the policy, carrier proposal, or licensed producer’s advice. Keep completed versions in an approved system with appropriate access.
Align the dates and assumptions first
Before comparing a premium, check what period and assumptions it represents. Record the source document’s date, proposed effective date, policy term, quote reference, and any unresolved information. Identify a proposal that is still preliminary rather than presenting it as a final offer.
Separate the quoted premium from a payment installment. Write down whether a displayed amount refers to the whole term or part of it, and note any charges shown separately in the source documents. Do not silently turn unlike figures into a single “annual cost.”
When an assumption changes, update the source reference and mark the old version as superseded. Otherwise, a discussion can accidentally combine one proposal’s premium with another version’s terms.
Record differences beyond the premium
The worksheet includes rows for dwelling, other structures, personal property, loss of use, liability, and medical payments, plus deductibles and endorsements. These are review categories, not a statement that every policy includes identical protection. The NAIC explains that declarations, policy wording, exclusions, and endorsements work together.
For each row, record what the actual documents say and where to find it. When a point is unclear, write “needs confirmation.” An empty cell can look like an accidental omission; a deliberate status tells the producer what remains open.
Matching dollar limits do not establish equivalent coverage. Use the differences column to flag wording, settlement basis, or conditions that need a closer review.
Turn each material difference into a discussion point
A useful worksheet helps the producer explain the decision, rather than simply selecting the lowest number. Keep the note next to the row it affects.
| Worksheet observation | Next review action |
|---|---|
| The deductible is stated differently. | Confirm how each applies and explain the difference using the actual policy terms. |
| An endorsement appears in one document. | Check whether the other proposal addresses the same subject and how. |
| A required property detail is unconfirmed. | Resolve it and obtain any revised proposal before making the comparison final. |
| The homeowner’s priority is missing. | Ask what they want the review to address before presenting a recommendation. |
Scroll across to read every column.
These are illustrative review prompts, not coverage determinations. The right question depends on the household and the documents in front of the producer.
Keep a short unresolved-question list
Use three simple statuses for the rows that need attention: confirmed from document, homeowner clarification needed, or carrier clarification needed. Put the responsible person and the next action beside each unresolved item.
For example, an illustrative note might read: “Carrier clarification needed — Jordan will confirm the applicable endorsement wording before Tuesday’s review.” It states the action without pretending that the answer is already known.
A worksheet does not need to reproduce every application response. Use document references where possible, and keep unnecessary personal information out of a working comparison. The objective is to make the review traceable, not to create a second customer database.
Present the comparison and preserve the decision context
Before the appointment, confirm that each proposal is the intended version and that important unresolved questions are clearly marked. Ask the homeowner which differences they want explained first. Do not describe options as “the same coverage” merely because the main figures look similar.
After the discussion, record the option the homeowner wants to pursue, remaining conditions or questions, and the next agreed step. Follow your agency’s normal documentation and binding process; a completed worksheet is not evidence that coverage has taken effect.
If a homeowner first contacted you through Homefield, retain that conversation as the starting context, then use your agency’s approved systems for the comparison. The quote appointment checklist gives this worksheet a practical meeting agenda.