When a home insurance quote changes, compare the earlier and revised proposals. A corrected roof record, different coverage limit and higher deductible are different changes. Ask which one explains the difference you see.
Put the two versions side by side
| Compare | What to check in both versions |
|---|---|
| Property facts | Address, square footage, use, roof information and completed updates. |
| Coverage terms | House, belongings and liability limits; roof settlement terms and exclusions. |
| Deductibles | Each dollar amount or percentage, its dollar equivalent and the loss it applies to. |
| Price | Premium, payment schedule and any separately listed charges. |
| Dates and status | Proposal date, proposed start date, and whether this is a quote, issued policy change or renewal. |
Circle the changed items and keep each document’s date. If the earlier discussion was only a verbal estimate, ask for the written terms available for comparison.
Is it a new quote or an existing policy?
- New proposal: you are comparing an offer before coverage has been issued. Ask which facts and terms changed.
- Issued policy change: identify the policy, requested change and effective date. Compare the change document with the policy already in place.
- Renewal notice: compare the next policy period with the current one, including price, limits, deductibles and any notices explaining changed terms.
For a change to an existing policy, use the policy change request. For a broader discussion of current insurance needs, request a coverage review.
Check the facts used in the quote
Review the property’s square footage, construction, occupancy and completed updates. Include detached structures, known damage and unfinished repairs. If a record differs from what you know, identify the discrepancy.
TDI’s homeowners guide notes that insurers may check the claims history of both you and the house. For a question about a past claim, gather its date and the relevant repair records. Keep completed repairs separate from the insurance company’s claim status.
If you are still assembling the original property information, start with our home insurance quote checklist.
If the price changed after an inspection
The Texas Department of Insurance explains that an insurer may change its offer based on a roof inspection. Ask which finding affected your proposal and whether it changed price, eligibility or coverage terms.
For example, you may have listed the roof age as unknown and later found an invoice. Identify whether it records a full replacement or a repair, then ask whether it corrects a fact used in the quote. The invoice alone does not predict a particular price.
Check coverage as closely as price
Compare the limits for the house, belongings and liability, along with the roof’s settlement basis. Replacement cost and actual cash value differ: actual cash value deducts depreciation. Look for that distinction in each version, as explained in TDI’s homeowners guide.
Compare deductibles separately. A percentage needs a dollar equivalent and an explanation of when it applies. Our home quote deductible example shows why the percentage alone is not enough.
Ask one clear question about the difference
Send both proposals and identify the item you want explained: “Which roof record was used?” “Why did the house limit change?” or “Is this deductible different from the first proposal?” Add the relevant property record, current declarations page and lender instructions when they apply.
Include the closing date, renewal date or other deadline. A website request does not bind, change, cancel, reinstate, or confirm coverage.