A couple researching options and taking notes

A Helpful Home Insurance Renewal Checklist.

Published in Home Insurance

Hey there, homeowners! Have you received your home insurance policy renewal notice? We think it’s a good idea to carefully consider your home insurance policy every year when your policy is up for renewal. It’s normal for your home and the things inside your home to change and evolve. It’s essential to make sure your insurance policy accurately reflects the current state of your home and coverage needs. Here’s our top 10 list of matters to consider when renewing a home insurance policy.

10 Step Guide to Renewing Your Home Insurance Policy


1. Confirm Your Renewal Timeline. First things first, check to see the cycle in which your policy is set to renew. Usually, this is every year from the date you originally purchased or last renewed your policy.

2. Review Your Coverage. Next up, dust off that policy document and give it a once-over. Has anything changed since you last reviewed it? Maybe you’ve made some renovations or purchased new belongings. Make sure your coverage aligns with your current needs. For more information, read our blog: 10 Changes Your Home Insurance Company Needs to Know.

3. Assess Deductibles. It is a good idea to reassess your deductibles. Are they still at a comfortable level for your budget? Remember, higher deductibles usually mean lower premiums, but make sure you can afford to pay it in case of a claim. Check out these Tips for Setting Your Home Insurance Deductible.

4. Revisit Your Liability Limit. Take a moment to reassess your liability limit. If there have been any recent changes in your life that could heighten the risk of potential injuries on your property—such as welcoming a new pet or installing a swimming pool. Understanding how liability coverage operates is crucial and wise to reconsider your liability coverage at renewal time.

5. Update Personal Information. Life moves fast, and so do changes in personal information. Did you welcome a new baby to your family? Perhaps you got a new furry family member. Make sure your insurance provider is up to date with accurate information to avoid any hiccups in coverage.

6. Evaluate Discounts. Who doesn’t like a good discount? Check if you’re eligible for any new discounts since your last renewal. Maybe you’ve installed a security system or updated your plumbing. You might want to consider our blog: Save Money with Home Insurance Discounts. These could potentially save you some cash!

7. Check Your Water Damage Coverage. With extreme weather events making water damage more common, ensuring how your insurance policy would respond to a water claim is essential. This blog explores overland water & flood insurance and what it means for homeowners.

8. Understand Policy Changes. Insurance lingo can be a bit confusing, but don’t worry, we’ve got your back. Take the time to understand any policy changes or updates. If something doesn’t make sense, don’t hesitate to reach out to your insurance agent for clarification.

9. Ask Questions. Speaking of reaching out, don’t be afraid to ask questions! Whether it’s about coverage limits, exclusions, or claims processes, your insurance provider is there to help. It’s better to be informed now than to be surprised later.

10. Plan for the Future. Lastly, think about the future. Are there any upcoming life changes that could impact your insurance needs? Planning ensures you’re always one step ahead when protecting your home and loved ones.

Don’t take renewing your home insurance for granted – it’s essential to ensure your policy is current and accurately reflects yours and its current state. Don’t let renewal season sneak up on you; take control of your coverage and ensure peace of mind for the road ahead. Contact us today to ensure your home is protected with the right insurance policy and deductible.

Learn more about Home Insurance, read Frequently Asked Questions, and Request a Quote Today!