When was the last time you took a close look at your insurance coverage?
For many people, the answer is “when I bought the policy.” But as life changes whether gradually or suddenly your insurance needs often change too. A policy review is a simple, no-pressure way to make sure your coverage still fits your current lifestyle, assets, and goals.
What Is a Policy Review?
A policy review is a one-on-one check-in with your insurance agent to go over your current policies, discuss any recent life changes, and explore opportunities to improve your coverage or even save you money. It typically takes less than 30 minutes but can make a big difference.
Why It’s Important
Your insurance isn’t meant to be “set it and forget it.” Life moves fast, and the coverage that fit your needs last year may not be right today. A review helps make sure you’re not overpaying for coverage you don’t need or worse, underinsured when it counts.
When Should You Schedule One?
At minimum, you should aim for a policy review once a year. But it’s especially important if you’ve had any of these changes:
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Bought or sold a car
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Moved to a new home or apartment
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Got married or divorced
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Had a child or new driver in the household
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Changed jobs or income level
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Added expensive belongings (like jewelry or electronics)
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Installed home safety features or smart devices
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Retired or are planning to retire soon
These life events can impact your coverage needs and may even qualify you for discounts.
What to Expect
During a policy review, your agent will:
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Walk through each of your current insurance policies (auto, home, life, etc.)
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Verify that all personal info and listed items are up to date
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Look for any gaps in coverage or overlaps that could be costing you extra
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Recommend coverage adjustments tailored to your life and goals
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Share any new discounts or bundling options available
What You’ll Need
Bring the following (or have them on hand):
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Any new vehicle or property info
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Updated household information (new drivers, residents, etc.)
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Details on recent life changes or upcoming plans
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Questions or concerns about your current coverage
Scheduling a policy review isn’t just about saving money though many people do! It’s about protecting what matters most to you with coverage that actually fits your life. Think of it like a wellness check-up for your financial safety net.
Interested in a review? We’d love to help.
Contact us to schedule a free, no-obligation policy check-in. It’s quick, it’s helpful, and it might even save you some money.