Before you begin
Compare the renewal against the expiring policy before the effective date.
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Policy Renewal Review
| Done | Item and purpose | Your notes |
|---|---|---|
| Annual premium Record the dollar and percentage change. | ||
| Dwelling limit Check inflation adjustments and reconstruction assumptions. | ||
| Other limits Compare structures, contents, loss of use, and liability. | ||
| Deductibles Look for new or increased separate deductibles. | ||
| Roof settlement Check replacement-cost, schedule, or actual-cash-value changes. | ||
| Endorsements Identify added, removed, or revised forms. | ||
| Exclusions Read notices and form changes. | ||
| Property facts Update occupancy, improvements, systems, and protective devices. | ||
| Discounts Confirm expected credits remain. | ||
| Alternatives Request comparable quotes before the renewal deadline. |
How to finish the review
- Mark uncertain answers instead of guessing.
- Attach the quote, declarations page, and form or endorsement that supports each answer.
- Ask the agent or carrier to resolve differences in writing.
- Repeat the same fields for every quote so price is compared on equal terms.