Renewal FAQ
Renewal questions, answered.
The things clients ask most often when their policy comes up for renewal.
Do I need to do anything for my renewal?
In most cases, your policy renews automatically — but a quick review makes sure nothing important slipped through. The biggest help is telling me what's changed since last year so your coverage stays accurate.
Why did my renewal premium go up?
Rates can change for reasons outside your control — inflation, rebuild costs, claims trends in your area, and carrier-wide adjustments. If your premium jumped, that's exactly when a review is worth it, because I can compare your options.
What does "shopping" or "remarketing" mean?
As an independent agent, I work with multiple carriers. When it makes sense, I compare your renewal against other companies to see whether a different carrier offers better value for the same protection.
When will I hear from you?
I aim to start your review 45–60 days before your renewal date and to have options to you with at least a week or two to decide — never a last-minute rush.
What information do you need from me?
Mostly just what's changed: a new vehicle or driver, home updates, a move, or — for businesses — revenue, payroll, locations, and operations. Submit the review form and flag anything that applies.
Is it safe to submit my information here?
Please use this form only for general contact details and a summary of what changed. Don't enter Social Security numbers, dates of birth, driver's license numbers, or payment information — I'll collect anything sensitive through a secure channel when we talk.
Will my coverage lapse if we're still reviewing?
No. We confirm and bind your coverage before the renewal date. If we need more time to finalize options, your existing policy stays in force.