Policy Review – Home & Auto

  • Your input is essential to eliminate gaps in your insurance coverage. Please accept that you have reviewed your policy, you accept your coverages and you have addressed any questions you have had with our team and/or insurance carrier. This checklist is used prior to the renewal of your insurance policy(ies) for the purpose of verifying your coverage is up to date to protect against losses. This checklist does not cover every situation, but it is a good starting point to prompt you to consider major items or questions.
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  • Please let us know if you approve contact via text message.
  • Have there been any change in your household drivers? Ex. Drivers regularly using your vehicle, drivers that have moved out.
  • Have there been any changes in the vehicles listed on your policy? Ex Vehicles sold, purchased, in storage, loaned out, customized or altered, refinanced or a loan paid off
  • Do any of your vehicles have custom equipment? Ex. stereo systems, after market parts or grill guards, etc.
  • Do you often drive vehicles owned by others, including your employer’s vehicle? Or use your vehicle(s) for business reasons? Do you use your vehicles for ride-share Lyft, Uber, Turo or other?
  • Please list the estimated annual miles of your vehicle(s).
  • Are you a member of AAA Roadside?
  • Have you bought or sold a house, vacation property, farm, vacant land?
  • Have there been any recent changes in your mortgage company information? Does anyone, except a mortgagee, have financial interest in your home?
  • Do you have any hobbies or conduct any business from your home that grosses more than $2000 per year? *There are limitations and exclusions for businesses at home, in your garage or renting out space to others for business purposes.
  • Have there been any additions or updates to your home? Ex remodeling, improvements, updates to the water, heating, plumbing, electrical or roof? *Is the amount of insurance on your home less than it would take to rebuild it?
  • Is there enough “Other Structures (Coverage B)” to cover all outbuildings, shops, sheds, detached garages, carports, fences, awnings, etc?
  • Do you have any antiques, fines arts, silverware, collectibles, valuable jewelry or furs? Or sporting equipment, guns, musical instruments? *Many policies have limitations to the coverages available for these items, unless they are scheduled.
    Have you added any of the following to your home? Check all that apply.
  • Does your home have any specialty features? Ex wine vault, home theater, Jacuzzi, skylights, pool, etc
  • Do you rent your home as part of a home-sharing/renting program like AirBnb, VRBO or other?
  • The purpose of an Umbrella Policy is increasing your limits of liability AND potentially filling gaps that your home or auto insurance won’t cover. If you don’t have an umbrella policy, we’ll give you 4 reasons we strongly encourage it – potential coverage for fun gone wrong: 1. Hosting social gatherings where alcohol is involved. 2. Traveling out of the country. 3. Renting/Borrowing toys (ATVs, JetSkis, Boats). 4. The cost is generally less than paying for one hour of an attorney’s time to defend you.
    Are there any other coverages we can answer questions about or quote for you?
  • Did you know that for all referrals we receive, we donate to a local nonprofit? Is there an organization that is close to your heart that you want to share with us?
  • Do you have any feedback for us? Is there an area we can improve your experience? Is there a team member you’d like to give kudos to for their effort?
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