Keep your completed worksheets privately. Use your browser’s Print menu to print or save this page as a PDF. Do not enter policy numbers, Medicare numbers, medical records or Social Security numbers in our general quote form.
1. Make your next renewal a coverage review
Start with what has changed since your last policy review. A different vehicle, roof project, household member or business contract may change the questions you need to ask.
Request an annual or life-change coverage review. In the optional details box, say what changed and when your policy renews. A request does not change or bind coverage.
2. Compare the details behind two quotes
Copy the same information from each quote. Ask the agent to explain differences before choosing on price alone.
| Compare | Quote A | Quote B |
|---|---|---|
| Insurer and policy type | ||
| Policy term and proposed start date | ||
| Total cost for the same term, including fees | ||
| Coverage limits and settlement terms | ||
| Each applicable deductible | ||
| Important exclusions and endorsements | ||
| Payment schedule and cancellation terms | ||
| Questions to resolve before accepting |
Ask for help comparing coverage. For health insurance, use the separate cost worksheet below and check provider and prescription coverage.
3. Put a hurricane percentage deductible into dollars
For a percentage deductible, multiply the dwelling coverage limit specified by your policy by the deductible percentage. Use the policy’s insured amount, not your home’s sale price.
Illustration: $400,000 dwelling limit × 2% = $8,000. This is deductible arithmetic, not a claim payment estimate.
Your policy controls the amount and when it applies. Prior hurricane losses, policy changes and other terms can affect the remaining deductible. This worksheet does not calculate those adjustments or establish coverage.
Read Florida DFS hurricane deductible guidance · Explore homeowners coverage
4. Build a home inventory you can find later
Work one room at a time. Photograph belongings, note identifying details and keep receipts or appraisals with your records. Store a backup where you can access it if your home or phone is damaged.
| Room / item | Description, model / serial number | Purchase date / cost and receipt location |
|---|---|---|
| Living areas | ||
| Bedrooms | ||
| Kitchen / appliances | ||
| Garage / tools | ||
| Jewelry / collections |
Discuss valuable items and policy sublimits with your agent. An inventory documents belongings; it does not add coverage or guarantee a claim payment.
Download Florida DFS’s homeowners toolkit and inventory pages (PDF).
5. Look beyond a health plan’s monthly premium
Compare the amount you expect to pay over a full year: twelve monthly premiums plus estimated out-of-pocket spending for care. Your estimate should include deductible payments, copays and coinsurance together, without counting the same expense twice.
Illustration: $300 a month × 12 + $1,800 estimated annual cost sharing = $5,400. These are example amounts, not a plan quote.
This simple estimate does not predict your care needs or subsidy eligibility. Premiums and some expenses do not count toward a plan’s out-of-pocket limit. Check covered services, network, prescriptions and exclusions separately; actual costs can differ.
HealthCare.gov: comparing total yearly costs · Compare available plans through HealthSherpa
6. Get ready for a Medicare conversation
Keep a private list of the following so your discussion can focus on your needs:
- Your current coverage and the date you expect it to change.
- Doctors, hospitals and preferred pharmacies you want checked.
- Prescription names, doses and how often you refill them.
- Travel needs and the coverage questions you want answered.
- Premium and out-of-pocket costs you want to understand.
Keep Medicare identification numbers and medical documents out of the general quote form. Use the dedicated intake process when you are ready to share the information it requests.
Prepare with RetireFlo Medicare intakeUse RetireFlo for Part D onlyRetireFlo intake collects information for review; it does not enroll you in a plan or reserve an appointment. You can also use Medicare.gov’s official plan comparison.
7. Prepare for the business you actually run
Use the relevant checklist to organize a discussion. These are starting points, not a complete list of required coverage.
Request a business coverage review8. Keep storm and claims resources within reach
For immediate danger, call 911 and follow local emergency instructions. For a claim, use the reporting contact on your policy or your insurer’s official site. Document damage when safe and retain relevant receipts and communications.
- Broward County hurricane information and preparedness
- Florida DFS storm insurance resources
- Direct Insurance Network payments and claims directory
- Existing-client policy service requests
Have your policy details available when contacting the insurer. Our agency can help you find the right service route; the insurer handles coverage and claim decisions.