Policy Review Checklist
Structured 3-step audit covering 10 core clause categories to prepare for renewals or annual reviews. Zero sales calls, 100% educational.
Guided Policy Review & Renewal Checklist
Transform a confusing 40-page policy contract into a structured, step-by-step review process. Mark each clause as Understood, Need to Check, or Not Applicable.
Annual policy renewal coming up? Don't just auto-renew! Let's review the 10 critical checkpoints together.
Step 1: Choose Policy to Audit
Select which insurance contract you are reviewing today.
Step 2: 10-Point Policy Audit
For each clause category, mark whether you understand it, need to check your documents, or if it doesn't apply.
Step 3: Review Questions for Your Insurer
Here are the specific prompt questions generated from your audit.
Policy Audit Status
What This Means
Conducting an annual 10-point policy check protects against passive auto-renewals:
- Carriers Change Terms at Renewal: Deductibles, wind/hail rules, and roof valuation schedules (switching from replacement cost to ACV) are often modified in renewal notices.
- Life Changes Demand Policy Updates: Remodeling a kitchen, purchasing fine jewelry, adding a driver, or starting a business can leave recent assets uninsured unless documented.
How We Evaluated the Checklist
We track how many of the 10 standard policy elements you have marked as understood versus items requiring verification with your carrier documents.
Important Assumptions
Every insurance carrier formats contracts differently. Check your declarations page for the exact definitions applicable in your state.
Things You May Want to Review
Call your carrier 30 days before renewal with the questions generated above to confirm rates and endorsements.
Related Insurance Concepts
Recommended Articles
Recommended Next Learning Step
Frequently Asked Questions: Policy Review Checklist & Clauses
How to interpret your audit results, address coverage traps, and ask insurers the right questions.