Compare my policy
Check the key numbers on your declarations page. We'll shop it for you.
Upload your declarations page
PDF or a phone photo. Usually page 1 or 2 of your policy.
Attach it on the next stepIt has personal details, so it goes only to our secure quote form. Type the key numbers below to see your comparison now.
Your comparison
Fill in the details from your declarations page to see what to look at.
Get a free quoteFree · about 3 minutes. Attach your declarations page on the next step.
Sources
- Virginia State Corporation Commission, Bureau of Insurance: Virginia Homeowners Insurance Guide (dwelling limit of at least 80% of replacement cost; flood not covered by homeowners policies; liability limits of $300,000 or $500,000; percentage wind deductibles).
- North Carolina Department of Insurance: Windstorm and Hail (wind and named-storm deductibles are a percentage of your dwelling (Coverage A) limit).
The comparison is general and for education only. It isn't a quote; your policy's terms govern, and coverage varies by carrier and state.
Restrictions apply. See CapCenter.com for details. NMLS ID #67717, nmlsconsumeraccess.org
How to compare home insurance policies
Compare coverage first, then price. Two policies at different prices are only comparable if their limits and deductibles match. Your declarations page, usually page 1 or 2 of your policy, lists every number you need.
What is a declarations page?
The summary page of your policy: your carrier, the policy period and renewal date, your dwelling limit (often listed as Coverage A), your deductibles and your liability limit. It's usually page 1 or 2 of your policy.
Which numbers should I compare?
Your dwelling limit (it should cover the cost to rebuild, not your home's market value), your all-perils deductible, any separate wind or hurricane deductible, and your liability limit. A percentage wind deductible is a share of your dwelling limit, so a 2% deductible on $240,000 is $4,800.
What deductible should I choose?
A higher deductible lowers your premium. Pick one you could pay tomorrow. Your agent shows you the options side by side.
When should I shop my policy?
Before it renews. Add your renewal date and we'll quote before you renew. Our in-house agency compares 20 carriers, and clients save 20% on average.