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How We Quote

The process, written the way we would explain it across the desk. We shop, you choose.

We ask the questions that move the number before anything gets quoted. We shop our carriers three ways, not just the bundle. We build the comparison on matched terms so the prices mean something. Then we walk the whole quote on video, with everything on it, and ask what to take off. You choose.

The five steps

  1. We ask the questions that actually move the number

    Why you are shopping, then the current declarations page, then the list: roof age and material, year built and what has been updated, protection class, prior claims, square footage and construction, what lives on the property, and who is on the deed. Nothing moves to quoting until the file is complete, because a quote built on guesses rates once and then moves at underwriting.

    What we ask before we quote a home →

  2. We shop the panel three ways, not just the bundle

    Monoline, bundle and package are three different filings with different rating, and they do not land in the order people expect. We run all three across our carriers, and we check whether a wind/hail deductible buy-back is available on the home, because the percentage deductible is where the storm money is.

    Monoline, bundle, package →

  3. We build the comparison on matched terms so the prices mean something

    Coverage A, the standard deductible, the wind/hail deductible, the roof settlement basis and the endorsement list get lined up first. Two quotes that match on those five lines are comparing price. Two that do not are comparing policies.

    Why two quotes come back different →

  4. We walk the quote on video so it can be re-watched

    The first version has everything on it: the higher liability limits, water backup, service line, ordinance or law, the roof at replacement cost, the lower wind/hail deductible, and an umbrella beside it. We record the walk-through next to your current declarations page, send the link and a written summary, and ask one question: what do you want to change?

    We quote everything, then you cut →

  5. You choose

    Every line that stays on the policy was a choice, and every line that came off was a choice too, made with the price of each one on the screen. We write what you chose, and the policy is the record of it.

The questions people ask us about it

Short answers here. Each one links to the longer version.

Why can the same house be quoted three ways?
Because monoline, bundle and package are different filings with different rating. Monoline is one policy per line. A bundle is two policies with one carrier and a discount on each. A package puts the home and the autos on a single policy, rated as one account, and it can come in under the same carrier's bundle on the same house. We run all three because we cannot tell from the outside which one wins. Read the full answer →
What is a wind and hail deductible buy-back?
Coverage that pays the gap between the large percentage wind/hail deductible on a home policy and a smaller amount. Around here it is often written as its own small policy through a wholesale broker, with its own premium and its own renewal. Because it is separate, it does not renew with the home policy, so we track each one as its own renewal every year. It does not change a cosmetic damage exclusion or a roof depreciation schedule; those are separate terms. Read the full answer →
What do you ask before you quote a home?
Why you are shopping and what your current declarations page says, then the roof, the year built and what has been updated, the distance to a hydrant, prior claims, square footage and construction, what lives on the property, and who is on the deed. Each answer changes the number. Skip half of them and a quote still prints; it just moves at underwriting, and the second number is the one that counts. Read the full answer →
Why do two quotes on the same house come back so different?
Usually because they are not the same policy. Four dials sit under a home quote: the dwelling limit, the wind/hail deductible, the roof settlement basis, and which endorsements are in by default. An agent can move three of them honestly and produce a lower number, and all three show up at a claim. The five lines that make two quotes comparable are Coverage A, the standard deductible, the wind/hail deductible, the roof settlement basis, and the endorsement list. Read the full answer →
Why do you quote everything first and then take things off?
Because a quote that starts at a price is missing things by default, and the coverages nobody mentioned are the ones that turn out to be absent. Starting from the full menu and cutting means every removal was a decision the client made, on video, with the price in front of them. The first number is higher this way and some people never call back because of it. We would rather lose a quote to a lower number than write a policy nobody understood. Read the full answer →

Want it run this way?

Start with the line you are shopping, or call (405) 861-8500 and we will start with the questions.

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