I put home insurance into plain language so you can read your policy once and actually come away knowing it.
I kept meeting people who had paid for cover for years and had never once opened the document. That bothered me, because the wording is exactly what decides who pays for the new roof. So I started pulling policies apart heading by heading and rewriting them the way I would explain them to a neighbor.
There is no sales pitch waiting at the bottom of any page. I write so you can hold two quotes side by side and see the limits and exclusions straight away instead of hunting for them on page nine.
They cost me time and word count, and I would rather lose both than leave you misled.
Telling you what is covered while skipping what is not would only ever be half a page. So I give flooding, shifting ground and slow leaks the same room as the good news, since those are the ones that ambush people.
Dwelling, personal property, loss of use and liability show up on nearly every schedule I look at. I keep those exact words so you can lay my page next to your paperwork and follow both at the same time.
Anyone can line up two premiums in a second. I spend my time on deductibles, the small caps on jewelry and electronics, and replacement cost against actual cash value, because those decide what you get paid.
I never finish a page by pointing at one insurer and calling it the winner. Your house, your budget and your appetite for risk are yours alone, so I stop once you have enough to choose.
Almost everyone who writes to me turns up holding one of these situations.
I arranged my coverage page in the same order your own schedule uses. Structure leads, because rebuilding is the biggest number printed anywhere on it. Then come your possessions, liability, and the bills that turn up once the house cannot be slept in.
Taken in that order, the limits start looking odd in the places they should. A healthy contents figure sitting next to a dwelling amount from years ago is the mismatch I spot most, and it jumps straight out.
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