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Maximize Your Insurance Renewal: Essential Topics to Discuss with Your Agent

By December 4, 2023No Comments

As a trusted agency, our commitment to providing you with the best insurance services extends beyond the initial policy issuance.  Most policies automatically renew and at time we can forget to consider changes that occur over the year.

This blog post serves as a friendly reminder to review and update your policy to guarantee that you are not only adequately covered but also benefit from the most competitive rates available.

For Your Home:

Your home is a sanctuary, and we want to make sure it is protected comprehensively. If any changes have occurred since your last policy review, it’s crucial for us to know. This includes renovations, acquisition of valuable items, unrepaired damages, installation of security systems, or even running a home-based business. These updates not only enhance your coverage but may also make you eligible for additional discounts.

For Your Car:

Your vehicle is an essential part of your daily life, and changes in its usage or your household can impact your coverage needs. Whether there are new drivers, additional vehicles, or a change in how your car is used (such as for ride-sharing or food delivery), keeping us informed allows us to tailor your policy accordingly. Plus, by exploring factors like good student discounts or driving behavior devices, we aim to provide you with every possible discount.

For Your Commercial Policy:

Business dynamics can change, and it’s essential that your commercial policy reflects these adjustments. If there have been modifications in your operations, new hires, or the addition of equipment or vehicles, notifying us ensures your business remains adequately protected. This proactive approach not only safeguards your assets but can also lead to potential cost savings through eligible discounts.

Discount Opportunities:

Certain updates to your policy may make you eligible for additional discounts from good student discounts to utilizing driving behavior devices. Even requesting an insurance score review can potentially lead to improved rates with your current carrier. We understand the significance of affordable coverage without compromising on quality, and our team is dedicated to exploring every avenue to enhance your insurance experience.


At our agency, we recognize that your life is dynamic, and so are your insurance needs. By taking a few moments to review and update your policy, you empower us to offer you the best coverage at the most competitive rates. We are here to assist you every step of the way, answering any questions or concerns you may have. Your peace of mind is our priority, and we look forward to continuing to provide you with the trusted and reliable service you deserve.

Here is list of things we generally look for when reviewing your policy and coverages, however, there may be additional items that could come about depending on your unique situation.



– Any renovations you’ve made inside or outside the house.

– If you’ve acquired valuable items like jewelry, antiques, or firearms.

– If your home as any unrepaired damage.

– If you’ve installed a security system or an automatic water shut-off system.

– Running a home-based business.

– Updates to the roof, plumbing, electrical, or HVAC systems.

– If you have any dogs, exotic pets, or farm animals now.

– If you’ve added a swimming pool, hot tub, or trampoline.



– If you have any new drivers in your household.

– If you’ve purchased new vehicles, trailers, RVs, or off-road vehicles.

– If you’re using your vehicle for Uber or Lyft transportation.

– If you’re using your vehicle for a food delivery service.

– If you qualify for a good student discount (G.P.A. 3.0 or higher and full-time enrollment required).

– If you’re interested in using a driving behavior device.

– If you’ve customized your vehicle in any way.



– If there have been changes in your business operations.

– If you’ve hired new employees.

– If you’ve added new equipment or vehicles.

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