Questions to ask before renewing home insurance
Use the renewal as a reminder to review your information. Gather the existing policy and renewal documents, then note what changed during the year.
Describe changes to the home
List renovations, major repairs and changes in how you use the property. If you now rent out a room or work from home, make that part of the conversation instead of assuming the existing policy fits.
Compare the documents
Mark differences in premium, limits, deductibles and endorsements. Ask the agent to explain unfamiliar wording and show where an answer appears in the policy.
Discuss belongings and household needs
Note major purchases and changes to your household. Prepare questions about valuable items and liability so the review covers more than the building alone.
Plan the next step
Ask when a decision or payment is needed and what documents confirm the next policy term. If you received a separate notice from the insurer, keep the whole notice and contact the office promptly.
Should I wait until the final day to ask for a review?
Contact the office ahead of the renewal date when possible. This gives you time to gather information and understand the available options without assuming a change can be completed immediately.
Official reference: California Department of Insurance