Let’s be honest: The standard insurance industry model is a lot like fast food. You order at the window, grab your policy, and drive away. But at North Town Insurance, we know that life changes faster than paperwork. That is why, in 2026, we are rolling out our comprehensive Annual Insurance Review Checklist. We plan to review every single home, auto, and business policy on our books to help ensure your coverage fits your life today, not the life you had three years ago.
At NTI, we operate on a strict No Dead Ends policy. We aren’t just selling paper; we are protecting our neighbors. Whether you are running a growing business or protecting your family’s home, we are going to get “positively nerdy” about your coverage.
Why You Need an Annual Insurance Review Checklist
Most coverage gaps happen because you are busy living life. You finished the basement, your teenager got their license, or your business revenue doubled—but your policy stayed stuck in the past.
To combat this, we are leaning into our core value of Accountability. We are introducing a proactive workflow designed to catch issues before they become problems.
Here is the plan: Exactly 90 days before your renewal date, you will receive a digital link to our Annual Insurance Review Checklist. This isn’t busywork; it’s a tool for Empowerment. It gives us the updated info we need to shop the market, address coverage gaps, and hunt for savings before the renewal offer even hits your mailbox.
What Is Inside the Annual Insurance Review Checklist?
When you complete the Annual Insurance Review Checklist, our team switches into high gear. We love the boring details so you don’t have to. Here is a sneak peek at what we are analyzing:
1. The Home Front
Spokane housing values have shifted, and construction costs have changed. We check:
- Remodels: Did you finally redo that kitchen? We need to review your Replacement Cost estimator to ensure it keeps up with current value.
- New Toys: Did you buy expensive jewelry, art, or perhaps a new e-bike? Standard policies often have low limits on these items.
- Liability: Did you put in a pool? Buy a trampoline? Adopt a dog? We need to make sure your liability coverage is ready to handle those new risks.
2. The Auto Audit
- Drivers: Any new permitted drivers? Or perhaps a student who went away to college (which might earn you a discount)?
- Commute: Are you working from home more? Significant changes in mileage can impact premiums.
- Telematics: Are you open to “safe driver” tracking devices? This is often the quickest way to lower a rate.
3. Business Health (For the Local Entrepreneurs)
For our business clients, standing still means falling behind. We look at:
- Revenue Changes: If you grew, your liability exposure likely grew with you.
- Premium or Policy Audits: Audits can be a nightmare if you aren’t proactive. We help you prep so there are fewer surprises.
- Cyber Liability: If you’ve started taking digital payments or storing more client data, this is non-negotiable in 2026.
Why This Matters: Timely Turnarounds
We are doing this because we value Kindness and Respect for your time.
If we wait until the last minute (like the “fast food” agencies do), we have no leverage with carriers. By using the Annual Insurance Review Checklist 90 days out, we can:
- Collaborate with you to adjust coverages calmly.
- Market your account to other carriers if your current rate has taken a hike.
- Provide Timely Turnarounds to help prevent lapses in coverage.
Get Your Annual Insurance Review Checklist Today
You don’t have to wait for our email to get the ball rolling. If you know your life has changed recently, or you just want to see if your coverage is up to speed, jump in now.
It takes less than 5 minutes, but utilizing this tool could save you a massive headache (and potential out-of-pocket costs) down the road.
> Click Here to Complete Your Annual Insurance Review Checklist <
Let’s make 2026 the year we take the mystery out of your protection. Because when you have the right partner in your corner, #InsuranceDoesntSuck.
Read the January 2026 Edition of our Newsletter: Your Source for the Latest Insurance Industry Insights
Fine Print: This article is for informational and educational purposes only and does not constitute legal or insurance advice. Insurance policies vary significantly by carrier and state. To understand your actual coverage, exclusions, and deductibles, please review your specific policy documents or schedule a consultation with your licensed insurance agent.