Personal liability
Understand questions about injury to others and accidental damage for which you may be responsible.
Bring the detail
Prepare rental address and lease. 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.
Your belongings
Discuss replacement values, limits for valuables, and any special items.
Bring the detail
Prepare occupants and roommate arrangements. 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.
Additional living expenses
Ask when temporary accommodation may be covered after an insured loss.
Bring the detail
Prepare contents replacement inventory. 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
Residents and use
Disclose roommates, subletting, pets and business use where asked.
Belongings and special items
Prepare a replacement inventory and identify valuable items.
Location and deductible
Compare the same address, limits, water options and deductible.
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.