What to gather before a property insurance review.

Documents to have handy

• Your current property policy declarations page (the summary page listing your coverages, limits, and premium).
• Any endorsements or riders attached to the policy.
• Your most recent renewal notice.
• Your lender's insurance requirements, if the home is financed.
• A rough sense of your home's size and construction type (concrete, wood, mixed).
• A list of structures beyond the house: pool, fences, gazebo, terrace, exterior gate, detached garage, solar panels.
• Notes on any recent renovations or additions.
• Your flood policy, if you have one — and your flood zone, if you know it.
• Any prior claim history on the property.

Questions worth asking yourself

• Do you still carry a mortgage, or is the home paid off?
• Has the home's value, or the value of what's inside, changed since the policy was written?
• Would today's rebuild cost match your insured value?
• Are the extra structures on your property actually listed and valued?
• Do you understand your windstorm and earthquake deductibles (often a percentage of your insured value, not a flat amount)?
• Do you have flood coverage, and do you need it for where you live?

This list is here to help you prepare for a conversation. It doesn't assess your coverage, and gathering these items doesn't mean you're adequately insured — that's exactly what the review is for. We look at your actual policy together.

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