Posted August 10, 2026 in
Docs from Classes
Personal Lines Insurance Annual Review Checklist
Client Name: _______________________________
Date of Review: _____________________________
Agent: _____________________________________
- Client Information
☐ Verify names of all insureds
☐ Current mailing address
☐ Physical property address
☐ Email address
☐ Mobile phone
☐ Occupation changes
☐ Marital status changes
☐ New household members
☐ Drivers added or removed
☐ Children nearing driving age
☐ College students living away from home
☐ Any business operated from home?
☐ Any rental properties owned?
☐ Any property held in a trust?
- Auto Insurance Review
Vehicles
☐ Verify all vehicles are listed
☐ VIN numbers correct
☐ Annual mileage updated
☐ Garaging location correct
☐ Ownership changed?
☐ Leased or financed?
☐ New drivers?
☐ Any ride-share (Uber/Lyft)?
☐ Delivery driving?
☐ Business use?
☐ Antique or collector vehicles?
☐ Recreational vehicles needing coverage?
Liability Limits
☐ Bodily Injury
☐ Property Damage
☐ Recommend higher liability limits
☐ Discuss umbrella eligibility
Physical Damage
☐ Collision deductible
☐ Comprehensive deductible
☐ Appropriate deductible?
☐ Vehicle value reviewed
Medical Coverages
☐ Minnesota No-Fault/PIP
Uninsured/Underinsured Motorist
☐ UM limits adequate
☐ UIM limits adequate
Auto Endorsements
☐ Rental Reimbursement
☐ Roadside Assistance
☐ New Car Replacement
☐ Loan/Lease Gap Coverage☐ Glass Coverage
☐ Custom Equipment
☐ Towing & Labor
☐ Transportation Expense
☐ Pet Injury Coverage
☐ Rideshare Endorsement
Discounts
☐ Multi-policy
☐ Multi-car
☐ Safe Driver
☐ Accident-Free
☐ Defensive Driving
☐ Good Student
☐ Driver Training
☐ Low Mileage
☐ Telematics Program
☐ Paperless Billing
☐ Auto Pay
☐ Paid-in-Full
☐ Affinity/Association
☐ Home Ownership
- Homeowners Insurance Review
Property
☐ Occupancy verified
☐ Primary residence
☐ Seasonal home
☐ Rental use?
☐ Business use?
☐ Trust ownership?
☐ LLC ownership?
Dwelling
☐ Replacement Cost updated
☐ Recent remodeling
☐ Roof age
☐ Roof material
☐ Siding updates
☐ Finished basement
☐ Solar panels
☐ Detached structures
☐ Swimming pool
☐ Hot tub
☐ Trampoline
☐ Wood stove
☐ Fireplace
☐ Backup generator
Personal Property
☐ Personal property limit adequate (HO4 and HO6)
☐ High-value jewelry
☐ Firearms
☐ Fine arts
☐ Collectibles
☐ Cameras
☐ Computers
☐ Musical instruments
☐ Business property
☐ Tools
☐ Sports equipment
Liability
☐ Personal liability limit
☐ Medical Payments limit
☐ Dog exposures
☐ Rental exposures
☐ ATV exposures
☐ Watercraft
☐ Hunting liability
Home Endorsements
☐ Scheduled Personal Property
☐ Replacement Cost Contents
☐ Water Backup
☐ Sewer Backup
☐ Service Line Coverage
☐ Equipment Breakdown
☐ Ordinance or Law
☐ Identity Theft
☐ Home Cyber Protection
☐ Matching Siding/Roof
☐ Extended Replacement Cost
☐ Guaranteed Replacement Cost
☐ Sinkhole (where available)
☐ Earthquake
☐ Flood (NFIP or private)
☐ Personal Injury
☐ Animal Liability
☐ Home Business
☐ Refrigerated Property
☐ Green Home Coverage
☐ Loss Assessment
Home Discounts
☐ Multi-policy
☐ Protective Devices
☐ Central Alarm
☐ Sprinkler System
☐ New Roof
☐ New Home
☐ Claims-Free
☐ Loyalty
☐ Gated Community
☐ Smart Home Devices
☐ Paperless
☐ Auto Pay
- Personal Umbrella Review
☐ Current umbrella limit
☐ Review assets
☐ Review future earnings
☐ Confirm underlying limits qualify
☐ All vehicles listed
☐ Recreational vehicles included
☐ Boats included
☐ Rental properties included
☐ Vacant land included
☐ Trust ownership discussed
☐ Youthful drivers reviewed
☐ Driver violations reviewed
☐ Business exposures excluded?
☐ Recommend increased umbrella limits
- Life Insurance Review
Needs Analysis
☐ Income replacement
☐ Mortgage protection
☐ Children’s education
☐ Estate planning
☐ Business obligations
☐ Final expenses
☐ Retirement goals
Existing Policies
☐ Employer coverage
☐ Individual term
☐ Whole Life
☐ Universal Life
☐ Indexed Universal Life
☐ Variable Life
☐ Long-Term Care Rider
☐ Chronic Illness Rider
☐ Disability Waiver
☐ Accidental Death Rider
Beneficiaries
☐ Primary beneficiary updated
☐ Contingent beneficiary updated
☐ Trust beneficiary?
☐ Minor children considerations
☐ Divorce or remarriage updates
- Additional Policies to Discuss
☐ Motorcycle
☐ RV
☐ Camper
☐ Boat
☐ Personal Watercraft
☐ Snowmobile
☐ ATV/UTV
☐ Golf Cart
☐ E-bike
☐ Inland Marine
☐ Flood Insurance
☐ Earthquake Insurance
☐ Identity Theft
☐ Pet Insurance
☐ Long-Term Care
☐ Disability Income
- Major Life Changes
☐ Marriage
☐ Divorce
☐ Birth or adoption
☐ Retirement
☐ New job
☐ Started business
☐ Purchased home
☐ Sold home
☐ Built new home
☐ Purchased cabin
☐ Purchased rental property
☐ Inheritance
☐ Significant increase in assets
- Risk Management Discussion
☐ Emergency fund
☐ Asset protection
☐ Lawsuit exposure
☐ Identity theft prevention
☐ Home inventory completed
☐ Digital asset inventory
☐ Safe driving habits
☐ Home maintenance discussed
☐ Roof condition reviewed
☐ Water damage prevention
☐ Smoke detector maintenance
☐ Carbon monoxide detectors
☐ Fire extinguishers
- Documentation
☐ Coverage changes discussed
☐ Coverage accepted
☐ Coverage declined
☐ Client initials on declined recommendations
☐ Signed review form
☐ Notes entered into agency management system
☐ Follow-up tasks assigned
☐ Next review scheduled
Agent Recommendation Summary
Coverage recommendations made:
Coverage declined by client:
Follow-up needed: