Home and contents quotes a household can compare
Building and contents from three insurers, add-ons to tick and a higher excess if they'd rather pay less, signed by both policyholders.
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Personal lines brokers use QuoteCloud to send home, contents and landlord quotes that open on a phone: three insurers side by side, portable valuables or accidental damage to tick, an excess choice, an acknowledgement, and both policyholders' eSignatures, with a renewal pack bulk-sent to every household due next month.
A fictional brokerage's home and contents recommendation for Grace and Tom Nakamura with an excess slider. At a $500 excess Corvane General, the recommendation, quotes $2,300.00 a year; at $1,000 it quotes $2,165.00; at $1,500, $2,070.00. Bars show the other two fictional insurers' premiums and their own excess at each step. Both policyholders have signed.
A household compares, ticks and signs
Grace and Tom open the recommendation on a phone after dinner. The building at its new rebuild value, their contents, and three insurers side by side; portable valuables, accidental damage and motor burnout to tick; three excess levels to choose from.
Every figure moves with their choices, and both of them sign in their own block. The rebuild value is their own estimate, and each premium is the insurer's, as quoted.
- Three insurers, your recommendation marked
- Add-ons the household ticks
- Excess choices with each insurer's own figures
- Both policyholders sign
Price tables: Essentials and up. eSignatures: every plan
How broker comparisons workYour options, side by side
Annual premiums for 12 months from 12 Nov 2026
| Cover | Alder & Finch | Corvane Recommended | Marrowbank |
|---|---|---|---|
| Home buildingRebuild value, from your estimate · $780,000 | $1,640 | $1,580 | $1,720 |
| ContentsReplacement value · $120,000 | $520 | $545 | $495 |
| Optional covers Tick to add | |||
| +$210 | +$190 | +$230 | |
| +$160 | +$175 | +$150 | |
| +$45 | +$40 | +$50 | |
| Excess per claim Choose one | |||
| $500 | $500 | $750 | |
| $1,000−$120 | $1,000−$135 | $1,500−$110 | |
| $1,500−$205 | $1,500−$230 | $2,000−$195 | |
| Annual premiumAs quoted | $2,320.00 | $2,300.00 | $2,365.00 |
- Annual premium · Corvane GeneralAs quoted, including tax and statutory charges
- $2,300.00
- Tallowmere broker feeFor arranging the cover
- $95.00
- Tax on the broker fee
- $9.50
- Total
- $2,404.50
- Paid on signing · broker feeInto Tallowmere's own Stripe account
- $0.00
Premiums as quoted by each insurer, including tax and statutory charges. Sample figures.
Accept and sign
2 of 2 signed
- Grace NakamuraPolicyholder SignedWed 21 Oct, 7:55 pm
- Tom NakamuraPolicyholder SignedWed 21 Oct, 8:03 pm
Certificate of authenticity and audit trail attached
December's renewals, in one bulk send
Personal lines renewals come in batches. Bulk send one renewal template as a personal copy to every household due next month, then see who has opened, commented and accepted, and who hasn't opened it yet.
Each copy is that household's own document. QuoteCloud doesn't renew policies, re-quote with insurers or send reminders: your team follows up the ones still open.
- One template, personalised per household
- Sent, opened and accepted, per client
- Expiry dates and the Expiring Soon filter
Bulk send: Essentials and up, volume-based costs
Renewal packs & re-quotes- Grace Nakamuragrace.nakamura@example.com Accepted+ accidental damage
- Daniel Whitbydaniel.whitby@example.com Opened
- Rosa Delgadorosa.delgado@example.com Accepted
- Hamish Clarkehamish.clarke@example.com Sent
- Anjali Raoanjali.rao@example.com OpenedLeft a comment
- Sent
- 5
- Opened
- 4
- Accepted
- 2
Personal lines templates brokers keep
One comparison layout, set up for each kind of household policy you arrange.
Home building
Rebuild value from the client's estimate, three insurers, and the excess as a choice.
Contents
Replacement value with portable valuables and accidental damage as options.
Landlord
Building, contents and loss of rent rows for an investor's property.
Valuables
Jewellery, cameras and bikes listed with their agreed values as optional rows.
Set up a personal lines template in the trial
Free for 14 days, no credit card required. Send us your current home and contents quote and we'll convert one template for you during the trial.
Sample recommendation · TI-P-1180
What the household agreed to, in plain figures
Grace and Tom kept Corvane General and accidental damage. Your fee is on its own line and nothing was taken on signing: you chose to invoice this one.
Your options, side by side
Annual premiums for 12 months from 12 Nov 2026
- Annual premium · Corvane GeneralAs quoted, including tax and statutory charges
- $2,300.00
- Tallowmere broker feeFor arranging the cover
- $95.00
- Tax on the broker fee
- $9.50
- Total
- $2,404.50
- Paid on signing · broker feeInto Tallowmere's own Stripe account
- $0.00
Premiums as quoted by each insurer, including tax and statutory charges. Sample figures.
Personal lines, set up once
How a personal lines team keeps quoting and renewals quick.
Make two templates
One home and contents comparison template and one renewal template.
Type the premiums
Enter each insurer's premiums for each excess level from their quotes.
Send to both
Add both policyholders as signers and send the link.
They choose and sign
The household ticks options, picks an excess and each of them signs.
Bulk send renewals
Next year, bulk send the renewal template to everyone due that month.
Personal lines questions, answered
Can a household compare home and contents quotes on a phone?
Yes. The recommendation opens from an email link on any phone. Three insurers sit side by side with your recommendation marked, and the household ticks add-ons, picks an excess and signs. On a narrow screen the comparison shows the chosen insurer's column.
Can both policyholders sign?
Yes. Add each policyholder as a signer and each signs in their own block, with no account needed. The certificate of authenticity records both signatures. eSignatures are on every plan. They can sign on the same evening from different phones.
Does QuoteCloud calculate the rebuild cost or the premium?
No. The rebuild value is the client's own estimate and each premium is the insurer's, as quoted, including any levies and duty you type in. QuoteCloud has no rebuild calculator, rating or insurer integrations. If the household revises its estimate, revise the recommendation with the insurers' new premiums.
How do excess choices work?
Set the excess levels as a single choice. Each level carries the premium change each insurer quoted for it, so when the household picks a higher excess every insurer's premium moves by its own figure and the totals follow. The signed copy records the excess they chose.
Can I send renewals to all my personal lines clients at once?
Yes. Bulk send one renewal template as a personal copy to each household (Essentials and up, volume-based costs) and see who has opened and accepted. QuoteCloud sends no reminders and renews nothing by itself. Each copy is that household's own document.
Can I take the premium when they sign?
You can take your fee, or the fee and premium, on signing into your own Stripe or PayPal account (Essentials and up), or leave payment off and invoice. QuoteCloud doesn't hold client money, offer instalments or arrange premium funding, so check your own rules.
More for insurance brokers
Every page of the QuoteCloud insurance microsite.
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Renewal packs & re-quotesExpiry dates, the Expiring Soon list, last year beside this year, and renewal packs bulk-sent to the clients falling due.Explore
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Broker recommendations & quote comparisonsSeveral insurers' options side by side, your recommendation marked, and the client's choice signed in the same document.Explore
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Broker fees & payment on signingThe broker fee as its own line and, if you choose, the fee or premium paid on signing into your own Stripe or PayPal account.Explore
- SME business insurance packsLiability, property, business interruption and glass as one pack, with add-ons and excess options the business owner chooses.
- Trades & contractor insurance quotesPublic liability, tools and personal accident quotes a tradesperson reads on their phone, signs on site and pays the broker fee on.
- Apartment & property insuranceBuilding sums insured, last year's terms beside this year's and a recommendation the committee members sign.
- Fleet, motor & cyber quotesVehicle schedules, limits and sub-limits laid out clearly, with optional covers and the specialist's notes in one document.
- Disclosures, acknowledgements & signersYour own disclosure wording locked in place, the client's acknowledgement ticked in the document and every director's signature.
- Underwriting agencies & risk consultantsQuote summaries an agency sends to brokers, and risk review proposals a consultant prices and gets signed.
- Broking system, CRM & accounting integrationsYour broking system through Zapier, Make or the API, premiums sent in by the API, and signed recommendations passed back.
- Insurance templatesReal QuoteCloud insurance proposal, coverage summary and policy agreement templates to start from.
- QuoteCloud implementation for brokeragesYour recommendation template, disclosure wording, fee settings and renewal routine set up, and the account team trained.
- FAQAnswers to the questions brokers, underwriting agencies and risk consultants ask most.
Your next household quote, compared and signed
Free for 14 days. No credit card required.