Your personal insurance renewal, reviewed before the deadline.
We review your home, auto, umbrella, and household coverage before it renews, explain what changed, compare the market when it helps, and send a recommendation so the decision is never rushed.
The renewal timeline
This is the schedule a personal renewal runs on. The only step that needs anything from you is the approval, and it takes minutes.
| When | What happens | What you need to do |
|---|---|---|
| About 60 days out | We open the review and tell you it has started. We ask what changed this year. | Tell us about a new vehicle, a move, a new driver, a remodel, or a new asset. |
| 60 to 45 days | We explain what can move a premium before you see a number, and what we check when the renewal lands. | Nothing. |
| When the renewal arrives | The carrier releases your renewal. We review the coverages and the price, then compare the market where it helps. | Nothing. |
| 2 to 3 weeks out | You get our recommendation with the reasoning, and a clear way to approve it. | A few minutes to review and approve. |
| At completion | We handle the carrier side and send confirmation and documents. | Keep the confirmation with your records. |
What we check, every time
A renewal review is not a rubber stamp on the carrier's number. On a personal account we go through:
- Coverage limits, against what you actually own now rather than what you owned when the policy was written.
- Rebuild cost on the home, which is what the policy has to cover, and which is not the same as market value or what you paid.
- Deductibles, including percentage deductibles for wind, hail, or quake that are not a flat dollar amount and surprise people at claim time.
- Drivers and vehicles listed, since people stay on policies long after they stop driving the car.
- Umbrella limits and the underlying limits beneath them, because an umbrella often requires minimum liability limits on your home and auto.
- Endorsements like water backup, service line, equipment breakdown, extended replacement cost, and scheduled valuables.
- Discounts that fell off without anyone telling you, which is more common than people expect.
- Mortgagee and lienholder details, which cause more paperwork failures than anything else on the list.
Full detail is in our article on what we check when we review your renewal. The personal coverages we review at renewal include homeowners, auto, personal umbrella, renters, landlord, boat, RV, and motorcycle insurance.
Why we shop the market
We check the market at renewal whether or not anything looks wrong. Most years the answer comes back stay where you are, and that is a useful answer, because it turns an assumption into a checked fact. When a better fit shows up, we bring it with the reasoning behind it rather than just a lower number. More on this: why we shop your policy every renewal.
Why we ask you to review and approve
We ask you to review and approve your renewal so we know you saw it, understood the direction, and had a clear chance to tell us what changed or what else you want reviewed. It is quick, and it keeps the decision clear and yours. More on this: why we ask you to review and approve your renewal.
Not a client yet? Get an independent second opinion
You do not have to be a client to have us review your renewal. Send us your current home and auto coverage and we will give you a straight second opinion before you renew: where your coverage stands, where the gaps or overlaps are, and whether the price is fair across carriers. There is no obligation to move anything, and sometimes staying put is the right call. The point is to make it a choice, not a default.
Personal renewal articles
Plain-language answers to the questions that come up most at a personal renewal.
- How our renewal review works
- What we check when we review your renewal
- Why we ask you to review and approve your renewal
- Why we shop your policy every renewal
- What happens after you approve your renewal
- When to call us during the year
- Why did my premium go up this year?
- What drives a home insurance rate change?
- What drives an auto insurance rate change?
- Does filing a claim raise my rates?
- How credit-based insurance scores affect your rate
- Should I switch insurance companies?
Common questions about your renewal.
When does my personal renewal review start?
What do you check on a personal renewal?
Does a renewal review mean I have to switch companies?
Why did my premium go up even though nothing changed?
Do I have to approve my renewal?
Reviewed by Richard Sweet, Vantage Point Risk. Last reviewed July 22, 2026. How we review this.
See what a real renewal review looks like.
Send us your current home and auto policy and we will review it the way we review a client's renewal, and tell you where you stand. No obligation to move anything.
Keep going.
The full renewal process
How we handle renewals across personal, commercial, and surplus lines.
How our renewal review works
The whole personal renewal, start to finish, in plain language.
Why did my premium go up this year?
The common reasons a home or auto premium rises at renewal.
Should I switch insurance companies?
How to decide beyond the cheapest premium.
Homeowners insurance
Confirm your dwelling limit reflects the cost to rebuild.
Companies we work with
The carriers we compare your coverage against.
Let's review your renewal before the deadline.
If you are already a client, this is what your renewal looks like. If you are not, this is what working with us would look like.