Policy audit · Example
Your premium went up again.
Here is the line where it happened.
Most Florida homeowners renew without ever reading the page that decides what they pay. We read it, compare it against top rated carriers, and tell you plainly what we find.
- Licensed Florida agency
- No credit impact
- No obligation to switch
3
Findings on one page
$20,500
First-dollar exposure on this example policy
3min
To run this on your own policy
Findings
TapHover a finding to see the line it came from.
Declarations page
Homeowners policy, annual term
- Policy form
- HO-3
- Dwelling (Cov. A)
- $410,000
- Hurricane deductible
- 5%
- All other perils ded.
- $1,000
- Roof surfacing
- ACV, 2004
- Personal property
- $205,000
- Loss of use
- $41,000
- Wind mitigation credit
- None applied
- Liability (Cov. E)
- $300,000
- Annual premium
- $6,412
Three lines on one page. This is the review we do, and it is why we ask to see your current policy before we quote anything.
The pattern
Homeowners lose money every year. Not because of accidents, because of inaction.
You renew automatically
The renewal notice arrives, the premium is higher, and it gets paid. Nobody reads the fifteen pages behind it.
You assume loyalty is rewarded
It usually is not. The longer a policy sits untouched, the more likely it has drifted away from what you would be offered today.
You have not reviewed the coverage in years
Meanwhile rates moved, risk models changed, carriers left the state, and discounts you qualified for quietly expired.
Insurance companies are not villains about this. They simply have no reason to call you.
The worst case
You can be underinsured and overpaying at the same time.
These are not opposites. They are what happens to the same policy when nobody looks at it for a few years. When something goes wrong is not the moment to find out which one you were.
- MedPaying for coverage you do not need
- MedMissing discounts you already qualify for
- HighCarrying a deductible that does not make sense for your home
- HighFinding the gap only after a claim is denied
Every home in this photo had a policy.
What separated them was what the policy actually said.
What we check
Six lines that decide most of what you pay.
- Hurricane deductible
- Percentage or flat, and what that percentage is in real dollars against your dwelling limit.
- Roof age and settlement
- Whether the roof is settled at replacement cost or actual cash value, and what that means at claim time.
- Wind mitigation credits
- Whether an inspection is on file, and whether the credits you are owed have actually been applied.
- Dwelling limit
- Whether it still reflects what it would cost to rebuild, which is not the same as what you paid.
- Flood, separately
- A standard homeowners policy does not cover flood. We check whether that gap is open.
- Discounts and endorsements
- The ones that expired, the ones never applied, and the ones you pay for and do not need.
Takes about three minutes.
How it works
Three steps, in this order.
- 01
Tell us about your home
A few questions about the property and your current coverage. It takes about three minutes.
- 02
We read your policy and compare it
A licensed advisor goes through your declarations page line by line, then puts it against what our carriers would offer you today.
- 03
You decide, or you do nothing
We tell you what we found either way. If staying put is the right call, we will say so.
Carriers we work with
An independent agency. Not owned by any carrier.
Reviews
What homeowners say.
Quick and easy to use.
Helped me understand my options without any pressure.
Clear and helpful.
The process was simple and saved me time.
Worth checking.
A good overview of my coverage options in one place.
Still not sure
Frequently asked questions.
Will this affect my credit?
No. Reviewing your homeowners insurance options does not affect your credit score.
Am I required to switch policies?
No. You are always in control. Look at what we find first, then decide, or decide not to.
How long does this take?
The form takes about three minutes. Having your current declarations page nearby makes it faster, and makes what we tell you far more useful.
Can I speak to a person instead?
Yes. Call +1 (866) 500-2175 and a licensed advisor will take it from there. You do not have to use the form at all.
Will you text me?
Only if you ask us to. There are two optional checkboxes on the form and both start unchecked. Leave them alone and we will not text you. Your quote is not affected either way.
Do you sell my information?
No. We do not sell or rent your personal information, and mobile phone numbers collected for text messaging are never shared with third parties or affiliates for their own marketing.
Get a quote
Your home is too valuable to guess on.
Send us the basics and a licensed Florida advisor will review your coverage. If your current policy is already the right one, we will tell you that too.
What you get back
A line-by-line read of your declarations page
The page that sets your premium, gone through the way an advisor reads it.
The few things quietly costing you
Deductible, roof settlement, missing credits, named in plain dollars, not jargon.
What other carriers would offer
Your coverage set side by side with what our top-rated Florida carriers quote today.
A straight answer: switch, or stay put
If your current policy is already the right one, we say so and leave it alone.
- No credit check
- No obligation to switch
- A licensed Florida advisor, not a call center
About the agency
A licensed Florida agency, based in Miami.
Allied Insurance Group South, Corp is an independent property and casualty insurance agency licensed in the State of Florida. We place homeowners coverage with top rated carriers on behalf of Florida homeowners, and we service those policies afterward.
We are an agency, not a carrier. Submitting a request does not bind coverage. Coverage exists only when a carrier issues it in writing.
Allied Insurance Group is a d/b/a of Allied Insurance Group South, Corp.