Insurance Review Checklist
Use this checklist before an insurance renewal review, home and auto bundle review, teen driver conversation, flood insurance question, or quote comparison. It is designed for New Hampshire and nearby Massachusetts households that want a clearer review before making a fast price-only decision.
This checklist does not replace policy documents or carrier underwriting. It helps you gather the basics so The Mello Agency can ask better questions and explain the tradeoffs.
Start a Quick Insurance Review
Start With The Reason For The Review
- Your renewal premium increased.
- You are wondering whether you are overpaying.
- You want to review home and auto together.
- You added a teen driver, new driver, or vehicle.
- You bought, refinanced, inherited, or renovated a home.
- Your lender, closing attorney, or escrow company asked about flood insurance.
- You have a claim, billing, deductible, or home-repair question.
Home Insurance Details To Gather
- Current home, condo, renters, landlord, or flood declarations if available.
- Renewal date and any renewal increase notice.
- Mortgagee, lender, escrow, or closing requirements.
- Roof age, heating system, electrical, plumbing, finished basement, or major updates.
- Deductibles, water backup, personal property, liability, and loss-of-use questions.
- Flood zone, lender flood notice, or elevation information if applicable.
Auto And Driver Details To Gather
- Current auto declarations if available.
- Driver list, licenses, household drivers, and any student drivers.
- Vehicles, garaging address, usage, commute, and annual mileage changes.
- Deductibles, liability limits, rental, roadside, and loan or lease requirements.
- Good student, driver training, multi-car, or other discount questions where eligible.
Bundle And Discount Questions
If you have home and auto together, bring both policies to the same review. If they are separate, the review can still compare the full household picture. Bundling can help some households, but it is not automatically the best answer for everyone. Pricing, discounts, and eligibility depend on carrier rules, household details, coverage choices, and underwriting.
Before You Lower Coverage
When a renewal goes up, it can be tempting to lower limits or raise deductibles quickly. Before making that change, review what the lower premium could mean after a claim. A practical review should compare the payment impact with the risk you would keep.
What Not To Send Through A Website Form
Do not send Social Security numbers, full payment information, claim documents, medical information, or private policy documents through a general website form. Start with basic contact information and the reason for the review. The agency can guide you to a safer next step if sensitive documents are needed.
Ready To Review?
Tell us what changed and what you are trying to solve. A quick review can start with a renewal increase, overpaying concern, bundle question, teen driver update, flood requirement, or coverage question.