We do our best work when your coverage reflects your real life. If something changes, big or small, loop us in. This isn’t an exhaustive list - just some common updates people often forget to tell us that keep you protected and reduce surprises at claim time.
People & Household
- Adult child moves out or gets their own place
- Someone moves in (partner, roommate, parent) or a driver comes home temporarily
- New teen driver, permit, or a driver who starts/stops driving
Vehicles
- You buy/sell a car, change a title, add/remove a lender, or change where it’s garaged
- You regularly lend a car to someone outside your household
- New trailer, camper, motorcycle, ATV, classic/collector car
How the Car is Used
- Rideshare or delivery work
- Using a personal vehicle for a side business or frequent client visits
- Long-term borrowing of a friend’s or family member’s car
Home & Property
- Renovations or finishing a basement; roof or major system updates
- Addition of a pool, hot tub, trampoline, wood/pellet stove
- Renting out space (short-term or long-term) or adding a roommate/tenant
- High-value items, like jewelry, art, instruments, or cameras added or upgraded
Paperwork & Contracts
- Leases or contracts asking for specific insurance or additional insured status
- Mortgage changes, escrow, or refinance
- Moving a home/vehicle into a trust or LLC, or changing who gets the bill
Our questions aren’t red tape - they’re how we make sure a claim gets paid correctly. When details match reality, pricing is fairer and claims are cleaner. When they don’t, gaps and delays can creep in.
Not sure if it “counts”?
If you’re wondering, it’s worth a quick note. Email your account manager with what’s changed and we can ensure your policies reflect your true risk exposure.
Bottom line: We’re on your team and we can’t protect what we don’t know about. Keep us in the loop and we’ll keep your coverage in step with your life.
