Inventory the exposure
List the people, property, income, operations, vehicles, health access, and contractual obligations that matter.
Bring current documentsPrivacy-first planner
Prepare to compare.
Without the sales calls.
Choose what you’re protecting and what matters most. We’ll turn it into a portable checklist you can use with any licensed carrier or producer.
✓ No name✓ No phone✓ No email✓ Nothing saved
This is a preparation tool, not a live quote.
Premiums require underwriting information and a licensed provider. We help you ask for comparable coverage first.
Before requesting prices
A quote is only useful when the brief is clear.
The planner does not collect underwriting facts or produce insurance prices. It creates a neutral question set so each licensed source can respond to the same risk, limits, deductibles, and priorities. If you already have policies, begin with the ten-minute coverage audit.
Set a loss scenario
Estimate a plausible severe loss and the amount of cash you could retain without disrupting the household or business.
Use realistic amountsRequest the same basis
Ask for matching limits, deductibles, valuation, optional benefits, and effective dates before considering discounts.
Normalize every proposalVerify the source
Record the underwriting company and verify insurer and producer licensing through the state insurance department.
Save the complete quoteYour document pack
What to gather—and what not to send here.
Keep sensitive information for the secure process provided by a licensed insurer or producer. are.you does not need it to build this checklist.
| Prepare privately | Why it matters | Use on are.you? |
|---|---|---|
| Current declarations and endorsements | Shows existing limits, deductibles, forms, and insurer | No upload needed |
| Property, vehicle, beneficiary, or business schedules | Defines what the comparison must protect | No upload needed |
| Loss history and underwriting answers | Affects eligibility and pricing accuracy | Share only through a secure licensed source |
| This generated checklist | Keeps questions consistent across providers | Print or save locally |
Planner FAQ
What this tool does and does not do.
The checklist supports preparation. It does not bind coverage, recommend a company, or replace application disclosures.
Does are.you sell my information?+
The planner asks for no name, email, phone number, policy number, or address. Selections are used in the browser to generate the displayed checklist.
Is the checklist an insurance application?+
No. A licensed source will require additional facts and disclosures before it can underwrite or quote coverage.
Can I use the brief with more than one provider?+
Yes. That is the point: use the same starting assumptions and questions, then document where each proposal differs.
After the checklist
Turn the brief into a controlled comparison.
Give each licensed source the same starting facts and requested basis. Save the complete proposal, record assumptions or unanswered questions, and avoid ranking price until the limits, deductibles, valuation, exclusions, endorsements, and underwriting company are visible.
Use the seven-layer quote comparison guide to normalize the proposals. Then apply the insurance company research method to the legal entity behind each option. If an unfamiliar term changes the result, look it up in the plain-English insurance glossary and confirm the definition in the proposed form.