Annual Coverage Review

A 45-minute checkup for every policy you own.

Insurance isn't buy-once-and-forget. Once a year, sit down with a Heritage agent and make sure your coverage still matches your life — and your price still beats the market. Free, and you're under no obligation to change a thing.

The Checkup

What your agent actually reviews.

Four passes through your coverage, in plain English. You leave with a written summary — what's solid, what's exposed, and what it would cost to fix.

1

Life changes since last renewal

A teen driver, a finished basement, a home office, a new business on the side, a marriage or divorce — each one changes what your policies should cover. We walk through the past year with you and flag what your carriers don't know yet, before it shows up as a denied claim.

2

Coverage gap check

The most common gaps we find in Charlotte: dwelling limits that lag rebuild costs (construction costs here have outpaced most carriers' inflation guards), no water backup coverage, scheduled-item limits that haven't kept up with jewelry appraisals, and liability limits too low for what you now own.

3

Deductible sanity check

Deductibles are a savings lever, not a set-and-forget number. If your emergency fund has grown, raising your auto and home deductibles can cut premium meaningfully. If money is tighter than it was, we make sure a $2,500 deductible won't turn a fender-bender into a crisis.

4

Bundle and market re-shop

We re-run the math across our 20+ carriers: is your auto + home bundle still the cheapest way to get the coverage you need, or has a rate change flipped the answer? If your current carrier is still the best fit, we tell you that too — most years, for most clients, it is.

Come Prepared

What to bring — it isn't much.

Your current declarations pages

The 2–3 page summary at the front of each policy — auto, home, umbrella, life. Can't find them? Give us your carrier names and we'll pull what we need.

A list of what changed this year

New drivers, renovations, big purchases, a home business, a pool, a new job with different income. Five minutes of jotting beforehand makes the review twice as useful.

Any renewal notices or rate increases

If a carrier just raised your premium, bring the notice. Renewal season is exactly when re-shopping the market pays off most.

Our no-obligation promise: the review ends with a written summary, not a sales pitch. If your current coverage is right and your price is competitive, we'll tell you exactly that and see you next year. Call (704) 555-0217 or book your review online.

FAQ

Coverage review questions.

What does the annual coverage review cost?
Nothing. The review is a free, standing service for Heritage clients and a no-strings offer for anyone who wants a second opinion on their current policies. We're an independent agency — if the review leads you to move coverage through us, that's how we get paid by the carrier. If it doesn't, you still leave with a written summary of what we found.
Am I obligated to change anything after the review?
No. Roughly half of our reviews end with 'your coverage is right, your price is competitive, see you next year.' The point is knowing that — not generating changes. When we do recommend a change, you get the reasoning and the numbers in writing, and you decide on your own timeline.
How long does it take, and can we do it remotely?
Plan on 45 minutes. We do reviews in person at our Selwyn Avenue office, by phone, or over video — whatever fits your schedule. Most clients book the same month as their homeowners renewal so any changes land cleanly at the renewal date.
I'm not a Heritage client. Can you review policies I bought elsewhere?
Yes — that's one of the most common ways new clients find us. Bring your current declarations pages and we'll give you an honest read: where you're well covered, where you're exposed, and whether the market can beat your price. If your current setup is solid, we'll say so.
Will reviewing my policy raise my rates?
No. A review is a conversation between you and your agent — nothing is reported to carriers and nothing changes unless you decide to change it. Discovering a gap doesn't raise your rate; discovering it during a claim is what costs you.
What's the most common thing you find?
Underinsured dwellings. Charlotte rebuild costs have climbed faster than most policies' automatic inflation adjustments, so a home insured for $320,000 five years ago may cost $420,000 to rebuild today. The second most common: no umbrella policy for households that have quietly accumulated enough assets to need one.

Get Started

A free quote takes 10 minutes.

No pressure, no obligation. We compare 20+ carriers and show you the options — then you decide.

Get a Free Quote →or call (704) 555-0217
Website by WorkspaceCMS.ai