08/31/2026
FYI Express+ Life Events Checklist
The Simple List Clients Should Use ā and Producers Should Teach
Why This Checklist Exists
Most people only think about insurance when they buy a car, a house, or an RV ā because someone at the dealership or closing table forces the conversation.
But 95% of life events that change risk donāt come with an insurance checklist.
Thatās where we come in.
This checklist helps insureds know exactly when to call their agent ā and helps producers know exactly what to ask during reviews.
LIFE EVENTS CHECKLIST
If any of these happen, call your agent. Seriously.
1. Changes in Your Household
Marriage
Divorce
New baby
Adoption
Adult child moves in
Elderly parent moves in
Roommate added or removed
Someone in the home starts a homeābased business
Someone in the home stops working or retires
Why it matters: Drivers, liability exposure, property exposure, income changes, beneficiary updates.
2. Changes in Where You Live
You move (even across town)
You buy a home
You sell a home
You start renting
You stop renting
You add a second residence
You buy a vacation home
You begin renting out your home or a room
Why it matters: Property limits, liability territory, underwriting eligibility, landlord/tenant exposures.
3. Changes in Vehicles & Drivers
You buy a car
You sell a car
You trade a car
You add a teen driver
A driver leaves the household
You start rideshare or delivery work
You buy a motorcycle, RV, boat, ATV, golf cart, or classic car
You stop using a vehicle regularly
Why it matters: Rating factors, garaging, driver assignments, excluded drivers, specialty policies.
4. Changes in Your Stuff (Personal Property)
You buy expensive jewelry
You buy collectibles
You buy highāvalue electronics
You buy musical instruments
You buy sports equipment
You inherit valuables
You install a pool, trampoline, or playground
You build a shed or detached structure
Why it matters: Scheduling items, liability exposure, other structures coverage.
5. Changes in Your Job or Income
New job
Job loss
Retirement
Significant income change
You start a business
You become selfāemployed
You begin consulting or freelancing
You start driving for Uber, Lyft, DoorDash, etc.
Why it matters: Business exposures, commercial vs. personal use, workers comp, liability gaps.
6. Changes in Your Home Itself
Renovations
Additions
Finished basement
New roof
New HVAC
New plumbing or electrical
Solar panels
Major upgrades
Renting out part of the home
Why it matters: Replacement cost changes, underwriting eligibility, liability changes.
7. Changes in Your Life Plans
You travel for extended periods
You buy property in another state
You move out of state
You start caring for someone elseās property
You start volunteering in a role with liability exposure
Why it matters: Territory, liability, property protection, umbrella considerations.
8. Changes in Your Legal or Financial Situation
You create or update a trust
You change beneficiaries
You refinance your home
You add or remove someone from a deed or title
You receive a large inheritance
You take on significant debt
Why it matters: Insurable interest, mortgagee clauses, beneficiary accuracy, umbrella needs.
Producer Use: How to Teach This Checklist
Your script:
āMost people donāt know when insurance needs to be updated ā and thatās normal.
If any of these life events happen, just call me. Even if youāre not sure it matters, call me anyway. Iāll tell you in 30 seconds.ā
Your annual review question:
āSince we last talked, has anything changed in your household, your home, your vehicles, your job, or your plans?ā
Your renewal email attachment:
āHereās your Life Events Checklist ā keep it handy. Itāll save you headaches later.ā
