1. Gather the relevant documents
For an existing policy, start with the declarations page, renewal notice, and important endorsements. For a new quote, provide accurate information about the property, vehicles, drivers, household, or business operations.
2. Compare what is being offered
Review limits, deductibles, exclusions, conditions, carrier financial and service information, and premium. Ask what information or underwriting review could change the quote before purchase.
3. Keep the policy current
Report changes such as a move, renovation, new driver, new vehicle, business expansion, or change in household. Review documents at renewal and retain records of key communications.