Collect current policy documents
Gather declarations pages, renewal notices, endorsements, and recent correspondence for each policy. Bring claims information and any notice that may affect renewal.
List what changed
Note renovations, new vehicles, drivers, household changes, work-from-home activity, rentals, major purchases, business activity, and changes in how property is used.
Ask for the policy details
Ask which limits, deductibles, exclusions, conditions, and underwriting requirements apply. Keep copies of the final issued policy and any binding confirmation.