Renewal Check
Your price moved, your coverage changed, or the renewal packet looks like it was written for someone with more patience than either of us has.
Insurance Policy Review
Not every insurance question starts with a quote. Sometimes you just want to know whether what you already have makes sense.
A two-minute first look
Decode Your Renewal Notice
Enter four numbers from your current policy and renewal notice. You’ll see the premium change and the wind/hail deductible in dollars before deciding whether you want help. Your numbers stay in this browser and are never included in analytics. I only receive them if you choose the review handoff and submit the form.
Your renewal math
Annual premium change
About per month Annual difference divided by 12
Wind/hail deductible
This is mechanical math, not a quote, savings estimate, or coverage determination. The notice still needs to be checked for changes in limits, settlement terms, deductibles, endorsements, discounts, and exclusions.
Questions worth asking
- Did the Coverage A dwelling limit change?
- Did the roof settlement terms change?
- Did the wind/hail deductible change amount or switch between dollars and a percentage?
- Did any discounts, endorsements, or exclusions change?
What A Review Is For
Coverage Sanity Check
You want a second set of eyes on deductibles, settlement terms, endorsements, liability limits, or the pieces that only matter after something breaks.
Quote Readiness
If the review shows a real opportunity, we can turn it into a quote conversation. If not, you still leave knowing what you have.
What Helps
- Your current declarations page or policy summary.
- Your renewal date, if you know it.
- The current carrier and premium, if you have them handy.
- The question you actually care about: price, roof terms, liability, deductibles, or something else.
For a home renewal or purchase, start with the home-insurance page and buyer checklist. If the home and auto liability limits are the part that changed, add an umbrella review after the underlying policies are clear.
Start a policy review
I’m an independent Twin Cities agent affiliated with Preferred Insurance Services, with access to multiple carriers.
This starts a conversation, not a full quote application. I’ll reply by your chosen route; policy details can come later.
Your note goes only to my contact system. Do not send Social Security numbers, payment information, or full policy documents.
Direct alternatives: Call me at 612-464-3934 or email [email protected] .
Questions People Usually Ask
Is a policy review the same thing as requesting a quote?
No. A policy review starts by reading what you already have and naming the coverage, price, and carrier-fit questions. If the review shows an opportunity, it can turn into a quote conversation.
What documents help most in a policy review?
The declarations page, renewal offer, current premium, renewal date, endorsements if available, and the concern that prompted the review are the most useful starting points.
What kinds of problems can a review catch?
A review can catch roof-settlement changes, deductible surprises, water or service-line sublimits, liability gaps, driver or vehicle mismatches, missing endorsements, and quotes that win only by thinning coverage.
Sources and review
Sources used
- Minnesota Commerce: what homeowners insurance covers - Minnesota Department of Commerce
Minnesota homeowners coverage categories and common exclusions.
- Minnesota Commerce: auto insurance - Minnesota Department of Commerce
Minnesota auto coverage categories and consumer review points.
- NAIC: homeowners insurance consumer guide - National Association of Insurance Commissioners
Homeowners limits, deductibles, and replacement-cost review basics.
- NAIC: auto insurance consumer guide - National Association of Insurance Commissioners
Auto coverage comparison and policy-review basics.