Short answer
Start by gathering your declarations page, renewal notice, current mortgage requirements, and a list of recent home changes. An advisor can help compare limits, exclusions, deductibles, endorsements, and gaps before renewal or a claim.
What this means
A policy review is a structured walkthrough of what you currently have, what has changed, and where the policy may not match your risk anymore. It is educational first: the goal is to understand the policy before deciding whether changes are needed.
Before the review, collect the documents and updates that affect coverage. The more accurate the information, the more useful the review will be.
- Current declarations page and renewal offer
- Mortgage or lender insurance requirements
- Renovations, roof updates, solar, pools, or major purchases
- Questions about water backup, flood, roof, liability, or valuables
- Any claim concerns or recent carrier notices
Nevada & Colorado note
XPRT Insurance provides educational coverage reviews for homeowners in Nevada and Colorado, including Las Vegas and Denver-area households.
Coverage can vary by state, carrier, underwriting, endorsements, and policy language. This information is educational and is not legal advice or a guarantee of coverage. Always confirm details with your specific policy and licensed advisor.
What to review
- Coverage limits — dwelling, personal property, loss of use, and liability
- Deductibles — base deductible plus any separate wind, hail, or roof deductible
- Exclusions — what the policy form specifically does not cover
- Endorsements — added or removed coverages that change how a claim is handled
- Renewal changes — premium, limits, deductibles, or carrier rule updates from year to year
Next step
Use the homeowners cheat sheet to walk through your policy on your own, or book a short coverage review with an advisor for a guided look at limits, deductibles, exclusions, and endorsements.