How do I prepare for my insurance renewal?

Review your policy at least 30 days before renewal. Check that your dwelling coverage still reflects current construction costs. Update your home inventory for any new purchases. Consider whether you need higher liability limits or additional endorsements. Shop around and get quotes from at least two other insurers to compare rates. Ask your current insurer about any new discounts you may have become eligible for. Look for changes in terms, exclusions, or deductibles from the previous year. An annual review ensures you are not overpaying or underinsured.