Annual Insurance Policy Review Checklist
Don't set and forget your insurance. Review this checklist annually to ensure your coverage is keeping up with your life changes, inflation, and to capture new discounts.
Life Changes to Report
Auto Coverage Review
Home/Renters Coverage Review
Life Insurance Review
Discounts & Savings Check
Don't want to do this alone?
Our agents do this every day. Book a free 15-minute annual review call and we'll walk through your policies together to ensure no gaps or missed discounts.
Schedule Free ReviewFrequently Asked Questions
How often should I review my insurance?
You should review your insurance policies at least once a year, roughly 30-45 days before your policy renews. You should also review it immediately whenever a major life event happens (buying a home, marriage, a teen getting licensed).
What happens if I don't report life changes?
Failing to report major changes can result in gaps in coverage or denied claims. For example, if you finish your basement but don't increase your dwelling limit or add water backup coverage, a flooded basement could leave you with thousands in out-of-pocket costs.
Can reviewing my insurance save me money?
Absolutely. Often, people are paying for collision coverage on an old car that is no longer worth replacing, or they are missing out on new discounts like telematics or updated home security systems.
Should I review my coverage after buying a new home?
Yes. Your new home likely has a different replacement cost, different risks (like a pool or older roof), and a different location affecting auto rates. It's the perfect time to review all policies, bundle them, and consider an umbrella policy to protect your new asset.