Before you read any contract, write down the units your household depends on. The list is the size of the job. The contract should be checked against your house and vehicles, not against a sales page that describes an average home.
Start with the house
Walk through each room and each outdoor area and list every powered or fuel-using unit the household relies on daily. Include heating and cooling units, the water heater, kitchen appliances built into the home, laundry units, any pump or well equipment, and any generator. Mark units that are shared with a neighbor or a landlord, since shared systems can split the paperwork.
Add the vehicles and the rest
List each vehicle by make, model, and the type of use it gets. Add any other unit a contract might name, such as a pool pump, a garage door opener, a hot tub, or a large appliance kept in a garage. Note who uses each unit and how heavily. Do not guess. Write what you know and mark what you do not know.
Record the identifying details
For each unit, record the make, the model, the serial or model plate, where it sits, and any install or purchase paper you can find. A list without identifying details cannot be matched to a contract, because a contract names units by their labels, not by your memory of them.
Mark what is out of scope
Some units will not be listed in the contract at all. Mark those on your list rather than leaving them off, so the gap is visible. Ask the seller in writing whether unlisted units can be added, what change to the contract that requires, and whether an added unit starts a new waiting period.
Keep the list current
Update the list when a unit is replaced, moved, or sold. Keep a copy with the signed contract. The list does two jobs: it tells you how much a plan must cover, and it tells the repairer exactly what you own when you call.
Use the list alongside the page for your state, such as the Florida page at https://statecoverageindex.com/florida.html, to see which rules apply to the contract you are weighing. These pages carry the rules and the notes on what they have not read. They are not a recommendation of any contract.