We read the policy you already have, then show you what it misses.

No. We are paid a commission by whichever carrier ends up writing the policy, so the review itself carries no fee. If the outcome is that you stay where you are, we are not paid for that review — and we will still tell you plainly.

Usually, yes. Most personal lines policies can be cancelled mid-term with a pro-rated refund of the unused premium. We set the new policy to start the same day the old one ends so there is no gap, which matters because a lapse of even a few days can affect future pricing.

Pricing reflects the cost to rebuild and repair, not only your own history. Construction materials and labour rates, losses across your postcode or territory, the ageing of your roof and systems, and the insurer's own reinsurance costs all feed in. A review tells you whether your increase is in line with the market or specific to your policy.

It is the summary page at the front of your policy — sometimes called the "dec page". It lists the named insureds, the covered property or vehicles, each coverage with its limit and deductible, the endorsements attached, and the policy term. It is the single most useful document you can send us.

In most states carriers use an insurance score based on a soft credit inquiry, which does not affect your credit score the way a loan application would. Some states restrict or prohibit the practice entirely. We will tell you which carriers on your quote list use it before we run anything.

Not automatically. Compare the likely payout after your deductible against the surcharge a claim can add at renewal, often for three to five years. For losses close to the deductible, paying out of pocket is frequently the cheaper outcome. Ask us to run that comparison first — a question is not a claim.

We can quote them together with one carrier to capture a multi-policy discount, and we also price them separately. Bundling wins often enough to be worth checking, but not always — some carriers are strong on property and uncompetitive on vehicles. You see both sets of numbers.

Once your declarations pages arrive, most personal lines reviews come back within a couple of working days and the conversation itself takes one sitting. Small business and farm reviews take longer because carriers underwrite those individually and may ask follow-up questions about operations.