Private decision worksheet

Compare two insurance offers with clarity

Move beyond the monthly premium. Record the actual coverage, deductible, exclusions and conditions of two written offers, then export or print the differences.

Privacy first

This tool keeps your entries in your browser session. The site does not receive the form data. Avoid policy numbers and personal details. Export a CSV to save your comparison; entries are cleared on refresh.

What are you comparing? (optional)

Offer A

0 / 10 filled

Insurer / providerEnter the company or providerPolicy type and coverageDescribe the insured risksTotal annual premium and feesUse the full amount, not just an installmentDeductible or excessNote separate deductibles where applicableCoverage limits and sublimitsInclude important per-claim or annual capsImportant exclusionsList key events or situations not coveredWaiting periods or conditionsAny required waiting or qualifying periodClaims process and supportHow to file and follow upRenewal and cancellation termsCheck changes, fees and effective datesQuestions for the insurerAdd unanswered questions to verify

Offer B

0 / 10 filled

Your final verification checklist

Compare the same insured people, property and policy dates.
Check the provider's authorization in your location.
Get written exclusions, sublimits and endorsements.
Ask how claim payments, repairs and appeals work.
Confirm every fee, payment deadline and cancellation rule.
Verify the new cover is active before cancelling old insurance.

This worksheet organizes your notes; it does not rank insurers or decide which policy to buy. Read insurance basics or the glossary for definitions.

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