06/05/2026
Your investor clients aren’t reviewing their policies nearly as often as they should… and that’s where gaps turn into claims.
A simple policy review can be one of the most valuable services you offer.
Here’s a checklist you can use to create more meaningful client touch points and uncover missed exposures:
Policy Accuracy
• Are all entities and LLCs properly listed as Named Insureds?
• Are partners, lenders, and management companies included where needed?
• Is lender and mortgagee information up to date?
• Are contact details and claim payment instructions correct?
Property Details
• Is each property address accurate?
• Is occupancy correctly classified (vacant, tenant-occupied, renovation, STR)?
• Is the property type aligned with underwriting guidelines?
Coverage Alignment
• Does the settlement method still match their investment strategy?
• Are they on the right coverage form for their risk profile?
• Do liability limits properly protect their portfolio?
• Do coverage limits reflect today’s rebuild costs, not last year’s numbers?
• Are there excluded risks that should now be covered?
• Are deductibles aligned with their financial position?
When you lead these reviews, you’re not just servicing policies, you’re positioning yourself as a risk advisor your clients rely on. And that’s what drives retention, referrals, and larger accounts over time.