Did your home insurance go up? I’ll help you read the renewal, check for changes in coverage and deductibles, and decide whether to compare quotes. We can look at your auto, umbrella and other personal policies too.
A two-minute first look
Enter four numbers from your current policy and renewal notice. You’ll see the premium change and the wind/hail deductible in dollars before deciding whether you want help. Your numbers stay in this browser and are never included in analytics. I only receive them if you choose the review handoff and submit the form.
Your renewal math
This is mechanical math, not a quote, savings estimate, or coverage determination. The notice still needs to be checked for changes in limits, settlement terms, deductibles, endorsements, discounts, and exclusions.
Here are two examples with made-up numbers. For your own policy, check the declarations page and endorsements.
Renewal premium − current premium = annual change
$2,160 − $1,800 = $360 more per year. That’s a 20% increase: $360 ÷ $1,800 × 100 = 20%. Spread over 12 months, the increase is a $30 monthly equivalent. Your actual bills depend on the carrier’s payment plan.
Amount named in your policy × deductible percentage = deductible
If your policy says the wind or hail deductible is 2% of a $500,000 Coverage A dwelling limit, the deductible would be $500,000 × 2% = $10,000.
Check your declarations and deductible endorsement for the amount the percentage applies to. Don’t assume every policy uses the dwelling limit.
On a small screen, scroll sideways to see all three columns.
| Deductible shown | Math | Deductible amount |
|---|---|---|
| 1% of Coverage A | $500,000 × 1% | $5,000 |
| 2% of Coverage A | $500,000 × 2% | $10,000 |
| 3% of Coverage A | $500,000 × 3% | $15,000 |
| $2,500 flat | Amount stated in policy | $2,500 |
A deductible is only one part of a claim. These examples don’t tell you what a claim would pay. Roof depreciation can also affect the payment; check whether the policy uses actual cash value or replacement cost.
Your price moved, your coverage changed, or the renewal packet looks like it was written for someone with more patience than either of us has.
You want a second set of eyes on deductibles, settlement terms, endorsements, liability limits, or the pieces that only matter after something breaks.
If the review shows a real opportunity, we can turn it into a quote conversation. If not, you still leave knowing what you have.
Start with a short question; you do not need to send full policy documents through the form. I’ll follow up by your chosen contact route, ask for the details needed and help you decide whether a quote comparison makes sense. For an auto renewal, we can also check drivers, vehicles, liability limits and deductibles.
For a home renewal or purchase, start with the home-insurance page and buyer checklist. If the home and auto liability limits are the part that changed, add an umbrella review after the underlying policies are clear.
Tell me what you’re trying to figure out about your insurance. I’ll help you check the coverage and decide whether to compare other quotes.
Leave a short note and choose email or phone. I’ll follow up that way and ask for any policy details we need.
Or contact me directly at 612-464-3934 or [email protected].
A review looks at the policy you already have. I’ll help you understand the coverage and price, then we can decide whether to compare other quotes.
The declarations page, renewal offer, current premium, renewal date, endorsements if available, and the concern that prompted the review are the most useful starting points.
If your policy says the deductible is 2% of a $500,000 Coverage A dwelling limit, the deductible is $10,000: $500,000 × 0.02 = $10,000. Check your declarations and deductible endorsement for the amount the percentage applies to; other policies may use a different base. This example does not determine a claim payment.
Comparing two annual premiums, that’s $360 more a year, a 20% increase. Spread over 12 months, it’s a $30 monthly equivalent; your actual bills depend on the carrier’s payment plan. Check whether the coverage changed too.
A review can catch roof-settlement changes, deductible surprises, water or service-line sublimits, liability gaps, driver or vehicle mismatches, missing endorsements, and quotes that win only by thinning coverage.
Minnesota homeowners coverage categories and common exclusions.
Homeowners limits, deductibles, and replacement-cost review basics.
Historical consumer guidance to check renewal changes, roof settlement, separate wind/hail deductibles, and the dollar implications of a percentage deductible. It does not establish current carrier terms.
The distinction between depreciation in actual cash value and replacement-cost valuation, subject to policy terms.