Free Policy Review - Let us check your coverage - find gaps and savings across every policy you hold
A free check-up of every policy you hold to catch coverage gaps, outdated limits and missed discounts. Send us a few details or your declarations pages – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Request Your Free Policy Review
Applicant Information:
Have these handy
- Declarations pages for each policy you want reviewed
- Any recent life changes, such as a move, marriage, new child or new business
- Your renewal notices, if a renewal is coming up
- A list of questions or concerns
Related coverage
What your policy review includes
Insurance tends to stay the same while your life changes. A policy review compares what you have against what you need today: your home's rebuilding cost, your drivers, your assets, your family and your business. We read your policies line by line, explain them in plain language, and shop the market only where it makes sense.
- Coverage gap check - Flood, earthquake, sewer backup, umbrella and other common gaps.
- Limits and deductibles - Whether your limits still match your home, assets and income.
- Discount review - Bundling, safety features and other credits you may be missing.
- Market comparison - Quotes from 50+ carriers when a change would save money or improve coverage.
- Written summary - A plain-language summary of what you have and what we recommend.
Good to know: the best time for a review is 30 to 60 days before a renewal, or after a major life event.
Not covered: a review does not change your coverage by itself. Nothing changes until you approve it.
Insurance Application:
Free Policy ReviewBegin Application
Required forms
No forms needed. Send the request above and attach your declarations pages, or email them to quote@societiesinsurance.com.
Download, complete and email to quote@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
Policy reviews explained
Why review your insurance every year
Most coverage problems are discovered after a claim, when it is too late to fix them. A review finds them first.
Rising rebuilding costs
Construction costs change, and a dwelling limit set years ago may not rebuild your home today.
Life changes
Marriage, a new baby, a teen driver, retirement or a new business all change what you need.
Growing assets
More savings and home equity mean more to protect with higher liability or an umbrella.
Price changes
Carriers change rates every year, so the best price at your last renewal may not be the best now.
No pressure, no obligation. If your current coverage is right, we will tell you. We only recommend changes that improve your protection or lower your cost.
What we review
What a policy review covers
Personal policies
- Home, condo and renters
- Auto, motorcycle, boat and RV
- Personal umbrella
- Flood and earthquake
- Life and disability
- Health and Medicare
Business policies
- General liability and property
- Workers compensation and payroll classes
- Commercial auto
- Professional and cyber liability
- Contract and lease insurance requirements
- Certificates and additional insureds
Triggers for an immediate review: buying or selling a home, adding a driver, starting a business, renovating, retiring, or receiving a non-renewal notice.
Common gaps
Coverage we often find missing
These are the gaps we see most often during reviews.
Personal gaps
Personal Umbrella
Liability above home and auto limits.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineNFIP Flood
Flood is excluded from home policies.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineJewelry Floater
Valuables above homeowners limits.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineTerm Life
Income protection for your family.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineBusiness gaps
Cyber Liability
Data breaches and ransomware.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineEmployment Practices Liability
Claims from employees.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineHired & Non-Owned Auto
Employees driving their own cars for work.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineExcess / Umbrella (Commercial)
Higher liability limits.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineThis is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.